I first heard about Open Road Lending in Credit Karma and seeing the potential savings I could receive compared to other auto refinancing companies. I received a letter stating the pre-qualifying rate and payment, decided to try it since another company did not respond promptly. The gentleman that I dealt with Alan was very professional and made the process smooth. It was not the rate or payment that was stated in the letter and Cresit Karma, was disappointing but understandable for my credit score at the time of application process. I have read the comments and honestly some have to read the fine print and understand how the process works. There are no gimmicks or scams, trust me the original lender I had was very unprofessional and the rate they gave me was ridiculous, I needed my credit repaired so I took it understanding what I was getting into! 10 months later I was able to get a lower rate and save some extra money which is good during this hard times. The process with Open Road Lending again was fast and proficient. I have been in the business so having your ducks in a row helps them help you! I am looking forward to a good relationship with this company and will refer friends and family who need their help. Thank you!