I had bad credit a year ago and started working on improving it. Got a car loan with over 12% interest, after getting a secured card and keeping my usage at a good rate, I was able to move into unsecured rated cards. Score went up to over 700. Applied for refinancing with Blue Harbor and got pre-approved, ended up with 2.49% interest which I far better for me. There's a lot of paperwork but so far they've been good with answering questions and concerns.
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DO NOT USE CLEARLANE!! I wish I had read these reviews prior to applying just to save a few bucks. They don't call you back, they don't email you back, they drag the process on forever without keeping you updated along the way. They leave all of the contact up to the customer, I had to call them to get any information and even then I wouldn't get called back or I would get one word email responses. Just a terrible experience all around.