A few years ago we decided to buy a "new" SUV. It was new to use, but at the time it was a year old and slightly used. We found the one we wanted and took out a loan. All the paperwork was done at the dealership the same day we said we wanted the SUV. I'd say it only took about 10 minutes from the time we filled out all the paperwork until the time we were approved.
Citizen's Auto Finance has been great to us even since we started with them. We got a very good interest rate (can't remember the exact %) and it has not changed since the day we signed. We took out a 5 year loan, which makes our payments every month very reasonable. It's nice to know the payment amount is always dependably the same every month too!
I have only had to contact the company one because I moved out of state and needed a copy of my title. They we very helpful and said it would take up to 2 weeks for the DMV to get it. To both the DMV and my surprise, the title was at the office in about 5 days!
The thing I like best about this company is that as long as you pay your bill each month, they aren't too picky about when the check gets to them. I have sent out payments that were due 3 days before I sent them, but they have never contacted me or added a late fee. They do make the due date a bit close to when I receive the statement in the mail though. I usually only have about 7-10 days to get it back fore it would be late.