Worked with them, did my due diligence, followed up and got a good auto loan rate that was about half the nearest competitor. I worked with a rep on the phone actively for about 35 minutes to make sure things weren't missing and he was very courteous. The whole application, submission, and approval took about 24 hours to process, and the check came in a week. I see a few people complaining about things like closing costs on mortgages and needing to do paperwork. It seems that if you don't know ANYTHING about banking, taking out a loan, or doing your part, this might not be the place for you. You actually have to do some of the work and not expect everything for free. Also, if you have bad credit, that's not anyone's fault but your own that you didn't get the rate. Common sense.