DO NOT GET ANY LOANS THROUGH THEM. ALL THEY CARE ABOUT IS $$$$$$$ *** with the customer! & they do hang up on u when u pay on time! U WILL SEE! Other lenders are more friendly then this bank. They have long delays on phone time. U wait & wait & wait? They don't care. No doubt this is one of the worst banks out there that take advantage of their customers! When u pay your bills on time? To them it's OH WELL! Please don't get taken advantage of! As they will do this to u. I have seen bad banks before. They take the top 5! OH well when it comes down to money they will care about anything. As long as they benefit & not u! GOOD LUCK!