just got a car loan from these guys, so wanted to write something about them. despite having a banruptcy on my credit report, i got a 5-year auto loan from wachovia to purchase a brand new BMW. their customer service sucks when you call them about anything, because they are in India and you can't under anything they say. the interest rate was relatively low compared to the Bank of America. but the most important part is, i got my dream car and wachovia made it possible!