I have already been approved for an auto loan but their ad makes you believe that they are here to help. They are now owned by Santandar which happens to hold 2 auto loans for me. I thought they might give me a better rate so I applied as a joint my wife and I. Surprise!! Rejected, please go and reapply try doing it jointly! What a joke. Stay away from them at all cost. They are not worth the hits on your credit. They say they are here to help but they just want to make your life worse. read full review »