I made the mistake of refinancing my Capital One loan with Nationwide Bank and once I moved over to Nationwide, I found out it is still back in 1975. The nightmare started when I had to MAIL them a document to transfer my title and if they didn't receive it, they threatened to raise my interest rate to 24.99% - which would defeat the purpose of me refinancing, of course. The letter said to return the documentation in the enclosed envelope - only there was no enclosed envelope, so I had to pay to overnight it to make sure they received it, because they never received the one I sent regular mail and the clock was ticking on the new interest rate. They tried to say they never received the overnight one, but I had their signature and offered to show them proof it was delivered and after being on hold for about 20 minutes, miraculously they found it. Once the loan is finalized, I realize, there is no end to the nightmare they made of managing my account: 1. There is no "Pay my bill" feature on what they pass off as a website. You have to either use your online bill pay from your OWN bank, or set up some sort of external transfer with them. I opted to let them take the payments out of my account automatically, which I hope I don't regret once I go back to Capital One. 2. Nationwide Bank doesn't generate statements for you - so you can't see any type of statement online. 3. If for some reason you need your account number, you had better have your loan documents handy because you definitely can't find it online. 4. The only way to make a "principal only" payment is to MAIL IT to the payment address (I don't even know where a mailbox is and haven't been to the Post Office in 1,000 years). For the aforementioned reasons, I am going BACK to Capital One. Luckily, I won't take a hit for it, and I might even save $1,000 in interest by doing so, but if you are the type of person that doesn't manage your accounts, you just let them get paid automatically and don't need to see what's going on with your account or do anything additional, then by all means, refi with Nationwide. But if you are like me and need to go online every month, maybe make an additional payment or two, see what your maturation date is, and actively manage your account, then do NOT get bamboozled by Nationwide. They are so far behind the times it is really unbelievable. If you're under the age of 85 and are computer-literate - don't use Nationwide Bank. They are not for you.