I applied for a car refinance loan that was approved pending my signature, and then made a point to read all of the "fine print" prior to my potentially signing only to find several things in their loan contract that I absolutely did not agree to or with so I did not sign or use that means of refinance after all. My own regular bank turned out to have a slightly better deal anyway! Customer Service I was not actually given much of any kind of real access to any overall Company Customer Service from the beginning of my experience in considering them as a sure option. Types/Options Beware to absolutely read every single word of their fine print before signing anything with them! It's already dangerous enough to provide them ( or anyone) with your personal sensitive information. They apparently keep on sharing such information even after you no longer have any type of account with them. They are not bound by all federal banking regulations, and not FDIC insured either as I understand the information I had.