I prefer doing business with credit unions whenever possible. Len Bori runs the loan department and has been extremely helpful the last few times I have bought cars. Over the years we have had 4 or 5 auto loans through NBA.No BS and everything is done as promised. The only downside is that they only have one location and it it 25 miles from my house. But most things can be done via the phone or on-line and personal visits are at a minimum.