Does anyone have any experience with PeopleFirst dot com, the online auto lender. They offer rates for 7.8% if you have "excellent and substantial credit". What does that mean? They don't say. Then they offer "custom financing" for people with "Good", "Very Good", or "Above Average" credit. With "Above Average" being just over 10%. I have one installment loan a year old. I have one credit card account 2 years old. Both have never been late. Is this "excellent"? And if it is, is it "substantial"?
