The whole process was easy and fast, but not quite what I was expecting. I was never able to talk to the representative that was handling my loan. The cover letter said the loan was for up to 72 months, and I could choose the length of the loan. It was never actually given the opportunity to reduce it to 60 months. The payment and interest rate were lowered, but it added another year to the life of my loan. I haven't done the math yet, but I don't believe I save any money in the long run. I was going to give OpenRoad a three star review, but I found out today that I now have a hard inquiry on my credit from Wells Fargo Dealer Services. They are not the ones who funded the loan, so now I am stuck with this credit hit. Things may have come out differently if I was able to talk to someone in person, but as it is right now I can't recommend them.