We have had an account with them a couple of years. We have one loan account with them. They are AWESOME!!! We applied for the loan online. They have a system that lets you know instantly (in like 30 seconds). If approved, the send the check out THAT DAY!!! We applied one day and had the check in hand the very next day. We did not even pay for express service. They did that regular mail. Their rates are AWESOME! I could not believe they beat Navy Federal's rates on some loans. I would definately recommend you check them out if you are military.