I found them to be rather pushy, wanted me to purchase more car than I could afford. The reasoned that they could stretch my paymants out over 8 or 9 years. I am trying to rebuild my credit... not horrible but not the best... they said the more expensive the car the more chance I had of getting the loan. When I asked what bank they said they were the bank. I thought that would be okay and asked if the loan would help rebuild my credit. Yes.. my credit with them but not improve my credit score. I decide not to purchase from them.