My credit score is 850 and they were still the most horrible finiancial institution I have ever dealt with. They also lie to your face, misplace documents. They "accidentally" left the decimal off an interest rate, converting it to a double digit interest versus a very low rate until they were caught. They tried to get me to obtain their insurance who likely pays them a kickback. They tried to demand more documents AT CLOSING!!!! They have little to no customer service. They disable online banking if you do not log in regularly and do not send paper statements instead. Stay away unless you like to be aggravated, lied to and ripped off. They also lied about not selling the loans.