By far the easiest loan I've ever received. I did the entire thing online. Cap one gives you a lower rate if you agree to do auto withdrawal from your checking account which I happily did. In a couple of days I received a "blank check" for the car I was buying at the dealership (there was a "not to exceed" notice on the check).

The dealership took the check as if I was a cash buyer. My payments then went directly to Cap one.

Best of all, the rates are really, really low. I tried to beat it at the dealership but they couldn't!