Get ready for multiple credit checks on your credit report. They like to push GAP Insurance, though not necessary. In my case, since I'm self employed, they wanted two years of tax returns and copies of my Profit and Loss Statments. I'm applying for an auto refinance not a home refinance. I'm not sending you 70+ pages of tax returns and P/L Statements. I'm happy with my current auto financing. They didn't ask for all of this information. Not worth my time and effort. The rep was nice, but becasue of the requirements, I stopped the process.