again, I must give my kudos to eloan... I had previously used them for auto loan and had an excellent experience, great rate + fast service. this time my hubby, who has had credit problems in the near past, applied and was approved... the best rate he could get anywhere + next day check was in the mail. Eloan's rate was b/w 8 and 10% better than any other rate he was offered from dealers and other lenders (online and credit union). Highly recommended for those of you with good/decent TU scores who might need auto loan...