This loan wasn't offered at my credit union so I created a new account with Lake Michigan Credit Union all online. The process was quick and efficient. Only difficulty was they didn't deduct my down payment so paid my installer extra. My installer mailed me a check so all is well. Even though I didn't request or need it, the 3 months no payment is nice. 10 years is way too long to pay it off at 5.5% so I'm glad there is no penalty for early pay off.