I was able to get a 6% rate on $20k car loan with no credit.
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On 10/9/2015 I refinanced my loan with another institute. they got the payoff amount on that same day. on 10-20-2015 Ally tried taking another payment from my acct. knowing it was being paid off by the other bank. Ally had already recieved payment by then and wont admit it but the new financial institute told me they had cleared the check by then. So the loan should be paid right, wrong. apparently getting a payoff for the exact amount owed isnt enough they want more from you. apparently they want your kids, dogs, and everything else after that loan has been paid. So the conclusion to my story is when you do math, math never lies. if i owe $32793.29 on 10-9-2015 wih a per diem of x amount of dollars added for interest. that is what the payoff should be. Not a whole other payment like these thieves are trying to take from me.
Dont use them, both my wife and I have had terrible experiences with this lending institute!