Yeah i was already with a credit union and my initial loan was 3.9 the payments were getting to be a burdon so i decided to sell or get another loan. I would have missed my car too much so i took another loan. My current bank doesn’t refinance on their own loans so i had to look elsewhere. Lending tree hooked me up with my car insurance back in the day so i thought i would give them another try and wasn’t let down.