Well we financed a 2004 dodge ram back in 2007 with wells fargo and they are the worst bank ever!! We have 20% interest rate. They are very rude people. My husband would call them when we were having money problems and try to make arrangements for late payments and the representative would be very rude with him and was actually arguing with my husband at one point telling him that they will take his money and they will mess up his and my credit and asking him for his parents phone number so they can call them to get their money. Then to top it all off they would deduct money from our accout without our authorization more than once and take out more than the agreed monthly payment. Also when we tried to refinance our auto loan to make our monthly payments lower they would always tell us to call them back in 6 months, well we've been doing that for 2 years already and its the same story. They are a terrible company and I cant wait 'til our loan is paid off!! I will never do business with them ever again!!