Smooth Process. No Pressure.
I used Lending Tree to try to find a lender to refinance my car. Within about 2 hours my phone was ringing off the hook, and my inbox blew up. Most of the lenders gave no specifics in their emails. They just wanted me to call, and a lot of them were also calling me over and over again in the next few days, which got annoying. I mean, I know I'm looking for a loan, but they could relax a little bit. Mode was different. They simply sent me an email saying I was approved with an estimated monthly payment listed. All I had to do is click on a link, and it took me to their website where I could start uploading documents. They never pressured me with dozens of phone calls or emails. It was just the one email, and I was able to start the process immediately. I had never refinanced a car before, so I didn't know what to expect. The process took about 3 weeks, because certain documents need to be notarized and sent back to them via FEDEX. They were there every step of the way though, answering any questions I had. All I had to do is email them, and they got right back to me. In the end, it was a smooth process, and now I have a monthly payment that is substantially less than the one I had before. I'm happy.