If you have bad credit or any prior bankruptcies especially CH 13 don't waste your time at this place. They couldn't get the deal done and turned us away with having a 599 credit score and making $50,000.00 per year, with $1,000.00 down to finance a loan for $5,500.00. The turn around time for an approval/answer was poor. I felt like I was doing all the work and our need to find a car was not a priority to them. They only have two lenders that they go to for "bad credit loans". Very disappointed with companies that say they work with everyone, then run your credit and suddenly the rules don't apply or they don't have programs to fit your needs or situation.