Ford Credit was amazing to work with! Several years ago, I NEEDED a car. I only had one which got me to work & my kids to school but mine had died.. First of a they approved me after I'd just gone through a divorce with messy financial issues. Even with a better rate than my bank (if they would've approved me, which they wouldn't). Then a few years into the loan, being a single mom, being furloughed (govt worker) resulting in pay cut, Ford was exceptional & extremely understanding when I was having difficulty making payments some months. They gave me options, even letting me skip a month when I didn't think I'd be able to buy my kids Christmas presents! I've often said I wouldn't go anywhere else & now that I'm looking for a car again, there's no question where I'll go!