ORL provided me excellent customer service and was able to refinance my car loan from a high 18% down to 14%, and my situation was difficult! My credit score is listed as "poor", but ORL got the deal done! I would highly recommend them, even if you think you might not get approved because you might just be surprised as I was! I give this corporation FIVE stars and I don't do this often! Well done ORL and I thank you! Linda Smith