I refinanced by Honda Pilot through IFS 3 years ago. They connected me with a small credit union in Louisiana for 3.9% APR. My original APR was 10% through Capital one. I was 3 years post BK, and had average credit of about 650. Everything was done all electronically and quick. I had my new loan within a few weeks. I would highly recommend these people. The only thing is that you need to be careful because they tried to add multiple "insurance" options even tire insurance. All I wanted was the refi, so just be clear about that with them.
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When I needed a refinance for my older vehicle I trusted credit karma and went with this company. Where do I begin? This is not a direct lender just a messy broker that will find the worst bank/credit union for you.
They will do 6 different hard pulls on each bureau only to be approved with their highest possible APR of a bank they can find. They also add a fee of $400 to "process* this loan. Their title department is a disgrace and delays the process. Their customer service is reprehensible after the loan "consultant" is finished with you good luck getting a response. They placed my loan with the worst credit union
(Air Force Federal) with no GAP coverage and no warranty offered. I had to immediately go to a local credit union to escape these brokers and their loan shark lending partner. If you have any other choice stay away...