One of the worst experiences I have ever had. With a credit score of above 750, I applied for a car loan which usually takes me 10 minutes over the phone. I'm 63,established, self employed and was treated like an 18 year old has-been! They offered me 4.88% for a simple refinanced car loan. Because I was self employed they demanded proof of income...LOL..really...like who the *** are these guys? This isn't a mortgage loan. I've never been treated this poorly by a financial institution in over 30 years of being self employed! Pathetic service all the way around! Here is what I emailed them: I have refinanced with another financial institution in 5 minutes over the phone. No proof of income No hassle No problem getting a credit report like you. No insulting interest rate that I wouldn't pay for a mortgage. No asking for repeat information already provided to you. A personal phone call to me honored to have my business, aka..no phone call back by you or your manager, just an emailed BS response! And, oh by the way, they knew how to spell my name and called me by the name I actually go by! FYI...STAY AWAY!!