PeopleFirst.com - auto loans, motorcycle loans, low rate loans, new car financing, used car financing, calculator, online car financing, auto

<body> <p>Take advantage of hassle-free vehicle financing with great low rates... <br> PeopleFirst.com, the nation's largest online vehicle lender offers you hassle-free vehicle financing with great low rates. Whether you are looking to buy a new or used car or motorcycle, refinance an existing loan, or buy out your lease, you'll save time and money with the PeopleFirst Blank Check®. Apply online and get a response within 15 minutes during business hours.<br> <br> Save with rates typically 1-2 percentage points lower than the national bank average <br> Shop like a cash buyer with your no-obligation Blank Check® as soon as tomorrow <br> Lower your monthly payments by refinancing your existing loan <br> Enjoy exceptional customer service backed by a $100 Loan Experience Guarantee* <br> Act now by clicking on the apply online link and lock in a great low rate.<br> <br> Selling your car to an individual? Use PeopleFirst.com, the nation’s largest online vehicle lender, to facilitate your transaction. <br> PeopleFirst.com provides hassle-free auto financing for your buyer, with rates typically 1-2 percentage points lower than the national bank average. The buyer simply fills out the quick and easy online application and gets a response within 15 minutes during business hours. <br> <br> We want to make sure your person-to-person transaction goes as smoothly and safely as possible, so we've partnered with Mail Boxes Etc. (MBE) to provide a convenient location to complete your purchase. Some documents need to be notarized, photocopied and faxed to us for person-to-person purchases and the notary at Mail Boxes Etc. will take care of that for you, at no charge to you or the buyer. <br> <br> Take advantage of hassle-free vehicle financing with great low rates... <br> PeopleFirst.com, the nation's largest online vehicle lender offers you hassle-free vehicle financing with great low rates. Whether you are looking to buy a new or used car or motorcycle, refinance an existing loan, or buy out your lease, you'll save time and money with the PeopleFirst Blank Check®. Apply online and get a response within 15 minutes during business hours.<br> <br> Save with rates typically 1-2 percentage points lower than the national bank average <br> Shop like a cash buyer with your no-obligation Blank Check® as soon as tomorrow <br> Lower your monthly payments by refinancing your existing loan <br> Enjoy exceptional customer service backed by a $100 Loan Experience Guarantee* <br> Act now by clicking on the apply online link and lock in a great low rate.<br> <br> Apply online <br> <br> <br> *See www.peoplefirst.com for specific terms and conditions.<br> Blank Check® is a registered trademark of PeopleFirst Finance, LLC.<br> © 2001 PeopleFirst Finance, LLC. All Rights Reserved. <br> <br> Buying a new car can be fast, convenient,and...EASY. <br> PeopleFirst.com, the nation’s largest online vehicle lender, can provide you with hassle-free auto financing with rates typically 1-2 percentage points lower than the national bank average. Simply fill out the quick and easy online application and get a response within 15 minutes during business hours. If approved, you can start shopping for your new car as soon as tomorrow. Apply Online Today! <br> <br> Be ready to buy the used vehicle you want when you find a good deal. <br> It's like having cash in hand with a no-obligation Blank Check® loan from PeopleFirst.com, so you can act fast when you find the used vehicle you want. <br> <br> Whether you are buying a car from a used car dealership or an individual, PeopleFirst offers low-rate vehicle loans for your purchase. Take a few minutes to apply online. You can expect to hear form PeopleFirst within 15 minutes during business. You could receive your no-obligation Blank Check®as early as tomorrow. Then, you can shop around since your rate is locked in for 45 days. <br> <br> Buying a Used Vehicle from a Dealer?<br> <br> Use your low-rate Blank Check® to negotiate a good deal on almost any used vehicle, including light trucks and SUVs. Simply make the Blank Check® payable to the dealer. <br> <br> Buying a Used Vehicle from an Individual?<br> <br> You can also use your Blank Check® to buy a used vehicle from an individual. PeopleFirst.com has partnered with Mail Boxes Etc. to provide a convenient location to complete the transaction at no cost to you or the seller. Once you find the used vehicle you want to buy, meet the seller at a mutually convenient Mail Boxes Etc. location. Find out how easy and convenient buying a used car can be! <br> <br> <br> Rates and Terms Payment Calculator Apply Online <br> <br> PeopleFirst.com is the nation's largest online originator and servicer of Blank Check® vehicle loans. Our company was founded in 1995 to address the needs of individuals who were usually poorly serviced and often overcharged with traditional vehicle financing. <br> PeopleFirst vehicle loans are available to individuals who have an excellent and substantial credit record. For other credit needs, we offer a Custom Finance Program . All loans are subject to credit approval by PeopleFirst.com. For current rates and terms, click here . <br> <br> About Our Loans <br> Apply for a loan online by completing the short application. With PeopleFirst, there are no restrictions on the vehicle you purchase, so just specify your desired loan amount. You should apply for a loan amount that you believe will be sufficient to cover your vehicle purchase. <br> <br> Our Approval Process <br> Your loan application will be reviewed and you should receive a response within 15 minutes during our normal business hours. If approved for a loan, PeopleFirst will send you, via first class mail, a loan agreement with your no-obligation Blank Check® attached. Use the Blank Check® as you would your own personal check. The no-obligation Blank Check® is valid for any amount between $7,500 ($10,000.01 in Arizona) and your approved loan amount. This flexibility gives you the negotiating power of a cash buyer. After you purchase/refinance your vehicle with your Blank Check®, your loan will begin and you will receive a "welcome package" from PeopleFirst. <br> <br> Blank Check® is a registered trademark of PeopleFirst Finance, LLC. <br> <br> Motorcycle Loans <br> PeopleFirst .com offers the same convenience to motorcycle purchasers as to those buying cars with its innovative Blank Check® financing for the purchase of new or used motorcycles! <br> <br> Motorcycle loans are valid for the purchase (including lease buyout) of any new or used motorcycle from any franchised new vehicle dealership, individual, or other authorized dealer or broker, or the refinance of an existing motorcycle loan with another lender. Loan terms for motorcycles extend from 12 to 60 months. To apply for a new or used motorcycle loan, click here. <br> <br> Please see our rates & terms page for today's motorcycle interest rates and lending terms. <br> <br> Buying a used car from a dealer or private party? Secure your auto financing before you shop. <br> PeopleFirst.com, the nation’s largest online vehicle lender, can provide you with hassle-free auto financing with rates typically 1-2 percentage points lower than the national bank average. Simply fill out the quick and easy online application and get a response within 15 minutes during business hours. If approved, you can start shopping for your used car as soon as tomorrow. Apply Online Today! <br> <br> Additional Benefits: <br> Low Rates: 1-2 percentage points lower than the national average Variety of Loans: new, used, refinance, lease buyout for autos and motorcycles<br> Excellent Customer Service: backed by a $100 Loan Experience Guarantee** <br> <br> Current Rates*: <br> New Car:as low as 5.75% APR<br> Used Car:as low as 5.99% APR<br> Refinance:as low as 6.75% APR <br> Motorcycle:as low as 7.49% APR <br> </p> <p>PeopleFirst.com is the nation's largest online originator and servicer of Blank Check® vehicle loans. The company was founded in response to the needs of individuals who were poorly serviced and often overcharged with traditional financing. The founders of the company knew there had to be a better way...a way where people came first. So in 1995, PeopleFirst was established. The founders all had a background in the automotive finance industry as well as the banking industry. They innovated a new technology to create a secure and efficient online environment where consumers could go for a competitive vehicle loan. In 1997, the company began offering auto loans through the Internet. A focus on convenience, fast approval, a hassle-free loan experience, and above all, exceptional customer service provides the foundation for a company that has grown tremendously. Approval decisions are still made within 15 minutes, even though thousands of applications are processed daily. PeopleFirst refuses to sacrifice customer service. In fact, we back our loan experience with a $100 guarantee. We aren't aware of any other lender willing to make such a commitment to customers. Loans made or arranged for California borrowers are pursuant to a Department of Corporations California Finance Lenders License. PeopleFirst offers online auto loans, a car calculator and low rate quotes for new and used motorcycle and car financing. "This was a headache-proof transaction and I will definitely tell my friends about you! Good service and friendly people are a rarity these days." S.L. - California "Your customer service is incredible! I was just loan shopping and wasn't going to make a decision so quickly-- but your customer service called me right back and the whole deal was done in less than an hour. Thanks for all of your help and I will spread the word that this is the place to shop for a loan." K.L. - North Carolina "THANKS! You guys are the BEST. I have NEVER had a "loan process" that went as smoothly as this one did. I have been, and will continue to, spread the word about PeopleFirst.com!" J.D. - Maryland "I just received my auto loan from your company yesterday. WHAT AN EXCELLENT EXPERIENCE!!! I have never received such prompt, courteous, and smooth service EVER! I am going to recommend your company to everyone I know looking for an auto loan. When I initially applied for the loan, I thought your process would be like all the others. Boy, was I wrong!! Before I knew it, a check was in my hand and I was riding away in my new car. Keep up the great work. Thank you very much! Signed, Customer for Life" J.M. - Florida "Today was the first time I even looked for anything substantial on the Internet. I would never have imagined that applying for and getting approved for a $39,000 loan would be so simple, so professionally handled, and so pleasant an experience. Even though I am generally a skeptic in matters of doing commerce over the Internet, I am a convert today. I applaud your professionalism, sense of urgency and courtesy which has helped make my experience with PeopleFirst.com entirely satisfying. I will be sure to recommend your company to my friends and colleagues. Thank you !!!" A.V. - Michigan "Thank you. I want to compliment PeopleFirst on offering a most professional and efficient service. You could serve as a model for other enterprises when it comes to providing outstanding customer service. You can add mine to your extensive array of customer testimonials. They are well deserved. Thanks again." R.W. - Delaware "We just want to say "thank you" for the terrific service we've received from you at PeopleFirst. This was by far the easiest banking transaction we have ever done. Your communication via e-mail has made us feel very secure and somehow, even personally connected with your company. It has been a pleasure so far doing business with you and we will certainly pass all this information along to friends and relatives." P.A. - Pennsylvania "Thank you very much! I have never had such a carefree and easy auto loan experience in my life! If you ever need a testimonial from a happy customer, please let me know." N.C. - Georgia "Your process is flawless. I hope my car will live up to your standards!" T.S. - Indiana "One of the best "e"-commerce experiences ever. E-asy, e-fficient and e-xcellent products and services. Keep it up." C.S. - Connecticut "Thank you for the easiest, nicest, most pleasant loan experience of my life. The little country banks around here had better get on the ball or they will become hay barns." G.J. - Texas "I wish to thank you for the great service you gave in the entire financing process. You were prompt in your responses, cordial, and very professional. Customer service is becoming a lost art these days, but you have exemplified true service, befitting of the name "PeopleFirst." You made the car purchasing experience a very simple one that worked out to my advantage. Because I had a check in hand, I was able to negotiate a price on a new vehicle, approximately $1300 below dealer invoice. Thanks again for your assistance." S.S. - New Jersey "I'll tell you again--this is ABSOLUTELY the greatest service I've ever used!" L.R. - Georgia "I just wanted to thank you for the wonderful service that you provided with my person-to-person transaction on my recent purchase of a used car. Everything went like clockwork from the time a applied for the loan up until I met with the seller at a designated MailBoxes Etc. to complete the transaction. The instructions and the required forms were simple to understand, and once everything was faxed to you on a Saturday morning, you approved the transaction within minutes, and I drove away in my slightly used vehicle. This particular transaction was somewhat unusual since the seller and I live several hundred miles away from each other, so we met at a MailBoxes Etc. located midway between us to complete the forms. This was after having been turned down by several other lenders, including my own credit union, who was not equipped to handle person-to-person transactions. Thanks again for making the entire process a smooth one!" M.B. - California "You guys ought to get a medal for your service." S.B. - Utah "I wanted to let you know that financing a car through PeopleFirst.com was the most convenient car transaction I have ever completed. Your process just doesn't compare to those previously stressful, time-consuming and soon to be antiquated practices. This comes from a person who is hard to impress, but you guys have..." M.P. - North Carolina "I must say, I am still in amazement at how easy your company makes this. I will keep you in mind as I'm cruising back roads on the new Harley Fat Boy! Oh, yeah, I'm telling everyone who will listen about your great business!" J.R. - Wyoming "I just purchased my new vehicle and could not be more thrilled with your service. What a pleasure to be able to take care of financial matters when I am available instead of when my bank is! I have recommended your service to my family, friends, co-workers and even my auto insurance agent! Thank you for being here and putting "people first!" D.S. - Ohio "FANTASTIC! Thank you for your continued assistance regarding my loan. Kudos to all of you! I have NEVER dealt with a company who was so customer-oriented. Thank you again!" W.K. - Utah "I just wanted to write and thank you for your great service. It has never been so easy to purchase a car! Your prompt service was wonderful, and your personnel were impeccable. Thank you again!" B.B. - California "I would like to take a moment to let you know that I have spent 11 years working in a commercial bank and, sorry enough to say, I have not experienced customer service like that which PeopleFirst has given me during this transaction. The people that I have dealt with were responsive, friendly, and could not do enough for me. All this with the quickest turnaround time I have seen for a used auto loan, with one of the lowest rates I have seen out there in the market. Suffice it to say I will be back when I purchase another car, whether it is on the Internet or around the block from my house. I have told all my friends that this is absolutely the best loan experience of my life. Thank you and I wish you continued success." R.M. - Pennsylvania "In the high-tech, and irritating, world of automated phone menus, it's rare to find a company that provides quick service these days. A company that shows the extra effort to follow up with a personal call is almost unheard of anymore. Again, thanks for the quick response and great service!" S.P. - North Carolina "I am constantly amazed at how well your company does what it does." K.D. - Washington "Thank you from the bottom of my heart for doing things right. From the very beginning, this process of obtaining a loan and buying a car via Internet banking with PeopleFirst.com has been smooth, seamless, incredible. Absolutely unbelievable. I don't know who to thank for setting up your organization so intelligently. So I am thanking you all. Everyone with whom I have had any contact knows how to do business professionally and well. It seems PeopleFirst.com has hired competent, intelligent people who know what they're doing all along the way. To me, that is nothing short of miraculous at this time, historically speaking. I've never written a letter of thanks to a loan company. (I usually have a migraine for weeks after dealing with them.) But, there's no way I could not thank you for a truly remarkable experience that has probably added years to my life instead of subtracting them...as most financial experiences do." D.B. - Texas "You have so many positive comments posted on your web site that another is probably just redundant. However, I do want to thank you for making my recent used car buying experience very enjoyable. I did quite a bit of shopping before making this purchase, and your company clearly offered the best rates and service of all. The process was downright easy, and I was able to focus all of my attention on finding the right car, not on finding the right financing. Thanks again, we will be back." M.M. - Georgia "By the way--this is without question the easiest, most pain-free car buying experience ever. Thanks." G.K. - North Carolina "I just wanted to drop you a line and say that your staff and Internet system are GREAT! It was a very SMOOTH and enjoyable transaction. I couldn't get better rates at my own bank which I have used for over 22 years! Keep up the OUTSTANDING support & low rates, as I think you have a GOLD MINE there in your business. I'm glad there is a company out there that puts People First! It's like the days of past, when a handshake meant a man's word. I smiled all the way to the auto dealer! You made my week...thanks!" W.C. - Wisconsin "I just wanted you to know how impressed I have been with your employees and your systems. So far, I have dealt with 4 different representatives and it has been seamless. I credit this to exceptional management of personnel and of processes. I have been in the technology sector for a while now and have been an avid consumer of Internet products for years and I must say that PeopleFirst has impressed me beyond any other business model's actual execution out there. Congratulations on putting together a solid company." K.N. - Texas "Thank you so much for your help with my car loan. You really provided me exceptional customer service. Mostly, you made me feel very important and appreciated as a customer, something most people don't take the time to do." C.S. - Delaware "Hello and thank you for such wonderful service. Our car dealer was a bit skeptical at first...this was their first "online deal" so to speak, but I must say it was great not to have to spend an hour filling out loan forms there at the dealer and then have to wait to see the final results. What a great feeling to walk in there, take the car and go! We love the car too! Thank you for making this experience so easy and pleasurable...I'm so glad our son suggested PeopleFirst to us. We can't stop talking about it to our friends. Thanks again." R.D. - Pennsylvania "Not only were your rates much better than my bank's and your response to my loan request unbelievably fast, but your customer service is the best I have encountered anywhere. The dealership where I purchased my car made an error in stating the amount of the loan check. As a result, I wrote the check for the wrong amount. Your staff was amazingly helpful and patient in working with me and the dealership to straighten the whole mess out. Since the problem was not the fault of PeopleFirst, I fully expected to have to work out the solution with the dealership by myself. Instead, PeopleFirst offered a solution and was active in implementing it. This level of customer service is unprecedented in my experience. You can bet that I will tell everyone I know who is purchasing a car about this experience and you will certainly have all my repeat business. The dealership where I purchased my car is planning to write you a fan letter too. A first! Thank you for all your help." L.M. - California "What a pleasant experience. Thank you PeopleFirst...if only you could see the smile on my face." G.K. - Ohio "I AM VERY PLEASED WITH THE SERVICE AND RESPONSE with your company. I am truly amazed. I filled out the application in minutes, and someone called me 5 minutes later. We had a check within 18 hours. I was very reluctant to start on-line banking but your company has changed my perspective. I am going to recommend your company to all my friends and relatives. Thanks again! It has been a true pleasure doing business and your company is a great time-saver to the consumer." K.G. - Illinois "I think it's about time loans could be easily accessed in a straightforward, honest way. My next auto loan will definitely be from PeopleFirst!" D.F. - Utah "Thank you for mentioning that "you appreciate our business." I darn near fell off my desk chair. Hearing that from a financial institution is very rare and very appreciated. Working with you has been easy, quick and professional." J.C. - Wisconsin "I would briefly like to add that it was a pleasure dealing with your company. I am a network engineer and am impressed with the response time and approval process your company obviously excels at. I will use PeopleFirst.com at every possible future opportunity and will recommend using the Web as I did. Customer service is paramount and your company is at the pinnacle of excellence in this regard. Once again, thank you." A.T. - Michigan "Thanks for your help today. This has been such an easy and painless process-- I'll have to do it again! Thanks to PeopleFirst.com, my wife is getting the BMW she's wanted for years." J.M. - Tennessee "As I researched the car I was planning to buy, I came across your Web site and decided to submit a loan application, since your rate beat that of my own credit union. It was convenient, fast, and easy. My loan approval was received within minutes via email, and a toll-free phone call completed the process a few minutes later. It was completely painless and a delight to walk into the dealership with a blank check in hand to consummate the deal. I wish PeopleFirst every success, and look forward to doing business again." S.B. - California "I want to applaud your organization for the exceptional service and benefit I received from PeopleFirst. I applied, was approved, received the check and purchased a car for my wife within 1 business day. It was satisfying to actually see a company that uses the technology available with all the bases covered." J.T. - Kentucky "Thank you very much. Just in case you don't hear it enough, you guys are great. Won't you ever get into the mortgage business?" S.S. - Florida "WOW!! Six weeks ago we hit a deer and totaled our car. Since then we have been dealing with our insurance company and trying to find a quality used vehicle for our family. Needless to say it's been a very stressful month. Your company came to our rescue and made the financing piece of this ordeal easy and stress free. We had a check in our hands within 24 hours. You had the best terms and the best rates. The people working for you were wonderful and they patiently answered all our questions. Other lenders and banks need to take notes and learn from your company. We will definitely be repeat customers and recommend you to all our friends and family (and anyone else within earshot)! Thanks again for all your help." E.R. - Kansas "This was by far the best set up I've ever dealt with. The convenience alone was worth a fortune to me. I found my wife's new Suburban online, I found you guys online and everything worked out perfectly! The dealership was even impressed (with both of us). It will be a pleasure paying this loan payment. I will be looking for you guys again when I'm ready to replace my vehicle. Thanks for the great service, friendly advisor and fast-fast service! Top notch, guys!" K.C. - Texas "I have to admit I was not expecting PeopleFirst to say yes to my payment date change request...you guys have been incredible from the very first contact on a Saturday morning. My wife and I both are huge advocates of great customer service and you guys have it! First Class from beginning to end! Thanks for restoring our confidence in Web-based customer service, and customer service in general. We will have no hesitation in recommending your service to our friends and family." S.R. - Maryland "You are too kind...what superior service. We're so glad we chose your company to do business with..." K.S. - Texas "This was by far the best auto financing experience we have ever had." H.W. - Texas "I borrow money quite a bit from my current bank. I must say I have never received such service from any institution. My current bank was not remotely as competitive as your rate. I could not be more impressed...not to mention your first-class customer service. I work for a billion-dollar Japanese corporation and when I make a decision I want it yesterday. Your group meets that sense of commitment. Thank you for your service." C.A. - Ohio "Thank you for your friendly prompt service. I have posted your web address on the bulletin board at work and shall we say, talk you up, whenever the chance arises. I must confess that I applied on a whim, but anyway, thanks again." J.H. - Washington "Thank you for what has to be the most enjoyable car financing event of my entire life!" M.F. - Georgia "You guys impress me. First you give me a very competitive rate. Now you surprise me with an e-card. Nice touch. I've had 22 cars in 10 years, some financed, some leased, and some bought outright with cash; none was a better experience than with you guys. Thanks. P.S. Can I borrow more money? : )" R.W. - California "I just want to compliment everyone I dealt with during my process of getting a loan. Everybody was extremely courteous and helpful. I didn't think that a company existed that could do so much for the customer with so little hassle! I was very, very skeptical at first about a company claiming to make things so simple, but every claim is true. I will refer any person I know looking for a loan to PeopleFirst.com! THANK YOU!" P.H. - Pennsylvania "I have just financed two used-car purchases using PeopleFirst.com. I wanted to let you know that the whole process was incredibly easy and equally as convenient. I will recommend your service to all. I have just ended a long relationship with one of the world's largest banking organization and I can tell you that they should take a lesson from PeopleFirst.com on how to treat their customers. THANKS!" C.N. - Connecticut "I have mixed emotions about my experience with PeopleFirst.com...and those emotions would be ELATION and AWE! Let me set the scene for you: It was a Friday night. The week had been rough. An hour then two of mindless network television ensue...I decide to check my email. Yawn. But before I sign off, a quick search. What kind of auto loans are available over the Internet? Any great rates out there? Search, search. Two companies look interesting. I quickly submit two applications. Each company promises a "quick response." By now it's after 11 on Friday night. Some company I've never heard of--PeopleFirst.com in San Diego--promises a next day response AND they're open on Saturday morning. Yeah, right. Saturday morning. Up at 7, back home by 10. Check for messages. PeopleFirst.Com: "Congratulations, and thank you for your application! You're approved--call us!" What? Already? I call. I confirm. I drive to the dealer. Two hours later I drive home in my gorgeous new Xterra 4x4. It was that simple. It was that painless. It was that quick. And I, it must be told, have become a vocal, enthusiastic, walking endorsement for PeopleFirst.com. The other lender? They e-mailed an approval as well-- 3 days after I'd bought my new car. My only regret is that I didn't find you when I bought my last car! I can assure you that I'll be right there when I purchase my next one! Thank you!" D.L. - California "I have to tell you I'm totally in love with your service so far! The best borrowing experience of my life! Hope you guys totally replace all banks and car dealership financing institutions soon. You deserve it. Keep up the good work. We certainly appreciate it and thank you. A happy customer." A.H. - California "I think your service is wonderful. Friendly customer service and fast response. I will tell my friends about this site. We don't need to get an auto loan from traditional banks any more...thank you very much for everything!" J.L. - Illinois "I still can't believe it. After going back and forth for 2 days with my bank to get an approval on an overpriced loan, I got your answer in less than 10 minutes. At first I thought it was a joke; then I figured out it had actually happened. If you had a picture, it would have shown me literally staring at the receiver with my mouth open! Congratulations on reinventing something tedious." D.B. - Texas "I can't tell you how impressed I have been with your service. I am in banking and can't remember the last time a transaction has went so well. I will use PeopleFirst.com for my next car loan. Thank you all very much!" R.K. - Ohio "...By the way I am completely incompetent when it comes to paperwork, filling out loans, etc., but you have a fantastic web site, it is so well organized, easy to navigate. At PeopleFirst you really offer a top-notch service to the consumer. Gosh, I can't get over how easy it was to procure this loan and to do the paperwork. Keep up the good work!" C.M. - Georgia "Just a quick note to tell you how pleased I was with your service. I purchased my new car yesterday and the financing couldn't have gone smoother! PeopleFirst.com offered me a great interest rate, and the blank check draft you sent me allowed me to choose the amount of the loan that was right for me. I'm very impressed and I've already told a dozen friends about your service. Keep up the good work." P.W. - California "My husband and I would like to thank PeopleFirst.com for their excellent service. After a frustrating search for a decent interest rate with our own banks and credit unions, it was a blessing to happen upon your organization that understands the needs of people with excellent credit histories. The banking institutions are unbelievable with their sky-high rates. Thank you again. We will tell everyone about your service." K.B. - California "I can’t tell you how easy you made getting a car. I was scrambling to get the money together when a friend of mine told me about your Web site. I got on the Web, filled in the information, and minutes later, I got a phone call with the approval. The next morning, the FedEx guy came to my home and there it was. The money to buy my car. Thank you so much." B.F. - California "I've purchased many vehicles over the last 25 years. I've borrowed money from every type of finance company, bank and credit union. They all need to understand that PeopleFirst has set a new standard in customer service. The fast turn-around on applications, the blank check package, minimal paperwork, debit payments and best of all... when you need customer service to help with a problem, answer questions or whatever, you get help and get it immediately! Congratulations, you are truly a customer-focused company, a rare commodity in today's business world. My car financing business is yours from now on. Your competition should be "on-notice." The bar is set significantly higher and may be out of their reach." D.M. - Pennsylvania "I want to thank you. I have never experienced such total satisfaction in a service such as the one you have provided me. I was so overwhelmed that for once, I was in total control of negotiating the best price to fit my needs. You gave me the dignity to be able to do this by supplying me with a Blank Check. I am truly grateful to have done business with you and look forward to doing business with you in the future. I'm recommending you high on my list to everyone." B.M. - Texas "You are right!! This was the easiest loan experience I've ever had!!! Thank you so much!!!" S.C. - California "I was very skeptical at first about financing over the Internet with a company I've never heard of before. But even after locking in a fantastic finance rate with you I was still not convinced. The proof was in the service after the sale where I accidentally boondoggled my check. Your customer service department helped me out tremendously. NOW I'm convinced that you guys are the real deal. In fact, I even requested a second check to pay off my wife's bloated interest rate on her car. Again, thanks!" D.P. - Tennessee "I LOVE YOU GUYS!!! I must write a testimonial on your web page TODAY!!!" S.J. - New York "I will never borrow money for a car anywhere else. Thank you." J.C. - South Carolina "I referred a close friend to you guys and he called me back RAVING about the ease of your process and the attentiveness to his needs. I have been a customer on both ends, selling a car to a PeopleFirst client and buying a car with you. You are a first rate company with a solid business model for success. Keep up the GREAT work!!" C.B. - Texas "You guys are unbelievable!!!!!!! Thank you so much." S.J. - New York "This was the greatest customer service call and loan experience I have ever had. Thank you PeopleFirst......the name says it all." C.R. - Texas "I have never received faster financial services in my life. Cheers to your CEO for a winning business model. I was expecting a call sometime next week and your staff called me and approved me within minutes...on a Sunday. Thanks." A.R. - New York "Again, your service is remarkable. Thank you." B.T. - North Carolina "You guys are awesome! I really appreciate being able to talk to a friendly person on the phone- but then being able to check my account, check rates, etc., online." J.P. - California "You have absolutely the best customer service! I've never had such an easy time of financing a loan. I've recommended you to many of my friends." C.O. - Arizona "Congratulations on a job well done!" M.E. - Texas "Without a doubt (and I did have a few at first), you guys are simply the best customer service organization bar none." M.M. - Alabama "Just a quick note, PeopleFirst has the fastest and greatest services! It's the simplest process ever for a car loan! Highly recommended and two thumps up!!" Y.H. - New York "This was too easy! THANK YOU!" K.C. - Illinois "I must say that it was absolutely the best loan experience I have ever encountered. This is the BEST lending company out there I am convinced!! I have recommended several friends to you and hope they bring you a lot of business. I will never work with any other company ever again! Thank you for your quick service and excellent customer care. You're the BEST!!!!" M.E. - Connecticut "Thank you for allowing me the opportunity to be a customer." D.H. - Florida "I don't see why ANYONE would get a used car loan anywhere else in the future. Easy and straightforward. Don't change anything!!" A.M. - Pennsylvania "All I can say is...that was quick! Thanks for being there." A.B. - Texas "Thank you, so far this has been one of the best loan experiences of my life! The others I dealt with all broke my arms..." M.R. - California "Kudos to your company and its service. You are by far the most convenient and technologically superior loan institution on the Internet. Power to the People!" B.M. - Michigan "I still can't believe how fast and efficient the whole process was, and I will definitely recommend your services. Thank you for making an unpleasant task so easy." C.D. - Connecticut "So simple and so professional...very un-bank-like. THIS IS CERTAINLY A BETTER MOUSETRAP. THANKS." L.J. - South Carolina "I still can't believe it. Thanks for the simplest vehicle purchase of my life." R.R. - Texas "I would like to convey to you my sincere appreciation for your company's service. Your customer care is truly phenomenal and I trust you completely." L.B. - Colorado "Thank you for a wonderfully easy loan experience - I am stunned." C.S. - Virginia "You guys have nailed it for customer service. Congratulations! After hassling with a local bank on rates and length of loan...I turned to online financing and found you. Quick response (less then 15 minutes on approval notice), excellent customer service reps on the phone...awesome interest rate...someone at PeopleFirst.com has a handle on what consumers are looking for. Great Job!" S.H. - Kansas "This is unbelievable. You people are AWESOME!!!!! This is without a doubt the easiest time I’ve ever had obtaining an auto loan. Thank you again." S.G. - California "Great service that was almost too good to be true. Thanks, you made my day." H.O. - Michigan "Oh My!!! The statement, "If it's too good to be true it probably isn't", does not apply to you guys. Because it is TOO GOOD TO BE TRUE AND IT ABSOLUTELY IS TRUE!!! This is my first, and certainly not my last, car loan with PeopleFirst. This is awesome...you are awesome. A new customer for life..." W.D. - Tennessee "Wow, I have read other people’s comments but my comments are very special. You can work wonders for people with less than perfect credit too! You saved me 10% on my interest rate alone. Everything about the purchase of my Jeep was pleasant! A good deal, plus you put power in the hands of the customer with your check package." J.H. - North Carolina "Perfection in customer service is often an unattainable goal, however PeopleFirst definitely sets an example for other dot.coms and the brick & mortars to follow. Great work!" L.C. - Georgia "Financing through PeopleFirst.com was hands down the most positive car buying experience we have ever had! The loan rate was low and the process was so fast and easy, we hardly believed it was really true! We sent an email to PeopleFirst at 4:00, had our loan by 4:15 and drove home a new car that evening after work! PINCH ME!! Thanks for making car loan shopping a pleasure!" D.A. - Oregon "PeopleFirst more than lives up to its name. This is the first time I have ever written to a company because I was so pleased with the service provided. Your company and staff are truly superb." C.H. - Maryland "I just wanted to say that I am extremely happy with PeopleFirst. Applying for the car loan, arranging electronic debiting, and checking my account status are so easy and convenient! I only had to call to talk to a live person on one occasion, and it was quick and painless. I think that your company is wonderful and all of your employees should be commended for excellent service." K.R. - California "Several months ago, I applied for a new car loan from PeopleFirst. I can’t possibly express in words how happy I am with your service but I wanted to put something down to send it along to you. It’s been a perfect experience. First with your Web site: intuitive, clear and easy to navigate. Then with your toll-free customer service (I had a few questions): quick response, friendly and intelligent reps, fast and clear responses. Then there’s the super-fast arrival of the check package with clear instructions. And finally, with the monthly payments taken from my bank account—always perfect, on schedule, exactly as explained throughout the process. You have earned my complete trust. And as a result, I continue to strongly recommend you to many friends and even strangers… anyone who’ll listen. You deserve the “Oscar” for “Best Performance of a Car Loan – EVER!!!” You’re the BEST!!" J.C. - New Jersey "You guys are incredible. Your customer service is by far the most excellent I have experienced with a lending organization. Except for having to pick up the truck, I haven’t had to leave my house to take care of all of the paperwork. Whoops… what paperwork. There hardly was any… except for the check, of course. Thanks so much for allowing us to believe some people still care about their customers." L.S. - Michigan "My experience with PeopleFirst.com is probably the most pleasurable business relationship I have ever been associated with. I plan to buy another new car next year and I will DEFINITELY finance with PeopleFirst.com. Keep up the good work." M.A. - Iowa "I’ll say it once again…. You are awesome (and all of your team members)!!! Is there any way that I could get you a raise?????? I think you deserve one!!!! I have recommended your company to quite a few people. I hope they use your services…. Thanks again!!!!!!!" S.S. - Colorado "Congratulations for your exceptional service. My experience with PeopleFirst.com has been truly outstanding. After this, I will never go back to conventional banks for a loan. As far as I am concerned, this is the only way to get a car loan. I have been talking to all my friends and family about going to you for their future loan needs." T.A. - Michigan "I just wanted to take some time to thank you for the best car buying experience ever! I’ve bounced from car to car, dealer to dealer, and was always frustrated, annoyed and fed up with the whole process. You’ve made what was once a pain into an absolute joy, and I can’t wait to tell my friends and have my fiancé use you ASAP. You have been everything I was told you were and more. The process was even easier than advertised. What a great company! Thanks for everything." C.F. - Pennsylvania "I just wanted to convey to you and your organization what a pleasurable experience dealing with your organization was. You really put the traditional lending institutions to shame. Your "upbeat" attitude and fast courteous customer service is a refreshing experience. Thanks again!" R.A. - New Jersey "I would like to tell everyone at PeopleFirst.com that ya’ll (Texas slang) are the best! I have never worked with a group of people whom I can honestly say have their “act together” the way to you do. Thank you for your courteous and prompt assistance." L.M. - Texas "We just want to thank PeopleFirst for the best loan experience we ever had. It was almost scary how quick it went. Also, the interest rates were unbeatable." J.W. - New York "This service is TRULY amazing!!" C.S. - Illinois "My wife recently financed her second vehicle through you and both experiences with your company have been remarkable. Thank you for your excellent customer service. We will use your service from now on and will urge our friends and family to do likewise." G.J. - Maryland "YOU ARE THE BEST!! THANKS!!" M.K. - Texas "You and the other people at PeopleFirst.com are just incredible. It amazes me how fast, efficient and customer-oriented you are. Thanks again!" L.S. - Michigan "Just bought my new vehicle – it was a breeze thanks to PeopleFirst." S.B. - Wisconsin "For the first time in my life I can tell you that (with your help) I had a pleasant experience buying a car." G.F. - Florida "Over the years, I have purchased many automobiles and several homes. Each of these required dealing with the unpleasant details of originating a loan. Never has the process approached a pleasurable experience until my recent dealings with your organization. From the application, to notification, to change orders, to confirmation of the details, the process was made painless (even pleasant) by your outstanding organization. I never encountered a busy signal, never ended up in voicemail, in fact, I was never put on hold. Your staff is well-trained, professional and anxious to help. Thank you." B.B. - California "A big Texas-sized THANK YOU to PeopleFirst.com! I am already spreading the word about the prompt, polite and professional service that your team offers to consumers like me! The banking system here in Texas could learn a great deal from you about customer satisfaction. Also, it is nice to know that 30 years of teaching school & working hard to maintain good credit ratings means something, after all!" T.T. - Texas "Thank you. Boy, this is easy!!!" S.B. - California "I want to let you know that my experience of applying for and receiving an auto loan at PeopleFirst has been so pleasant that you have won me as a lifetime customer. The combination of your courteous, efficient and thoroughly professional services on the Internet, as well as on the phone is simply very convenient and pleasing. After years of dealing with numerous service providers, I have finally found a company that really understands how to do business with customers. Most importantly, you have won my approval not because of fancy ads, meaningless loyalty programs or silly incentives, but because of conducting business with me in the most appropriate manner. I will not hesitate in giving my friends an unreserved and strong recommendation. Thanks and I hope to be your customer for life!!" C.P. - California "You guys are great. You offer great service, competitive rates, and have a human side. Much appreciated. Happy Holidays." N.K. - California "Just wanted to say PeopleFirst has been great to work with. When I first heard about you, I was skeptical. But you really did call in less than 15 minutes with an approval. You sent out the check Fed Ex that day, as you said you would, and I had it the next day. I looked everything over, expecting a catch, but there was none. It was a normal auto loan. My direct withdrawal account was set up just as you'd promised, and you took out exactly the right amount of money on the day you said you would. Now I've just come in to check my account status online, and I love the functionality and completeness of the information I can view. This is absolutely terrific, and the best loan experience I've had (and I've had a few). I am definitely coming to you for my next auto loan, too. Keep up the good work." D.F. - Massachusetts "Thanks! First experience like that from a financial institution." B.R. - California "As an Internet professional, I wanted to compliment your organization on outstanding customer service, fair prices, and an exceptionally well designed Web site." S.M. - New York "I can't tell you what a great service this has been so far. This experience was new to me but not to the car dealer. When I came in with an E-check in my hand we both ended the day very satisfied. I got a good price and he knew I was ready and able to make the purchase. You would have thought I brought cash into the dealership. I'm going to recommend your service to everyone thinking about taking a loan on a car. Good work!" A.M. - New York "As a recent customer, I have some advice for you: don't change a thing! Yours was the simplest, smartest, best auto loan process I have ever experienced." E.J. - California "I do technology consulting for banks and you have taken technology and used it to your advantage. Congratulations and we will do more business with you. Other banks could learn a few things from you – but then again maybe you don't want them to." S.G. - Florida "I have been absolutely impressed with your organization. I have never in my life done such a simple loan to buy a car. You all seem so well organized, on top of things, and you care about your customers. I like you guys!" T.B. - New Mexico "I don't know where to begin but to simply say you guys are EVERYTHING you say you are and more, I might add." R.F. - Georgia "I would like to congratulate you on the BEST place to get a car loan. I speak with some experience on this issue. I am the General Sales Manager of a high-line dealership and know where all the good deals are. Your approval process and funding speed is amazing. I have spread the news to all my other sales managers for their personal use. I must admit that I am somewhat reluctant to let my customers in on your secret..." J.B. - California "Thank you for the fine service and attentiveness. It is so welcomed these days particularly when customer service seems to be getting worse and worse! I will be buying another car this Spring and will certainly contact PeopleFirst for the loan." O.Y. - Arizona "Awesome service! Thanks, enjoying the car." L.M. - California "This was...by far...the easiest & most satisfactory personal financial transaction I've ever been involved in. I'm so glad I found you...and I've already started recommending you to others. :-)" P.P. - California "Once again, you folks at PeopleFirst are the best!" W.K. - Utah "You are incredible! Thanks. I am ready to do a commercial for you. I can sing at least as well as Bill Shatner..." R.A. - North Carolina "PeopleFirst should be hired as the lead consultant to the U.S. Government on how to elect a president! Certainly our government can learn a few things from PeopleFirst, like how to do things in a simple way that leaves us feeling both confident and excited about things to come without the headaches and false promises! Every step in my experience with PeopleFirst happened in the exact manner described on your Web site. I even talked to a real live NICE person when my loan was approved! I cannot believe how simple this entire process has been. Thanks for the loan and the rare yet rewarding experience. PeopleFirst for President!!!" L.B. - Alabama "I continue to believe you guys have the greatest company on the Internet! If you ever go into the mortgage business, please let me know. For the first time in a LONG TIME, someone has finally exceeded my expectations! Thanks." L.R. - Georgia "I am writing to compliment you on the overall excellence of your Internet-based auto loan service. Having Mailboxes Etc. as an "office" in which to close the transaction is a truly innovative convenience. It was an entirely pleasant experience for both the seller and myself. Be assured that I will gladly recommend your service whenever the situation arises." G.B. - Illinois "I just wanted to take a minute to say how much my husband and I enjoyed this loan experience. We love our new motorcycle and you made it possible. Thanks again." H.D. - Florida "I've had nothing but a surprisingly GREAT experience since I first contacted you. Your friendly and attentive staff, prompt callbacks, and timely e-mails and mailings are reminiscent of a bygone era. Quite refreshing in this day and age. Thanks again!" T.F. - California "I am knocked out at how efficient and easy this auto loan has been to handle. You guys have gotten it right and have a winner of a service. Not only is the service excellent, fast and easy...you also have the best loan rates in the county. Would it be possible to get your CEO to change careers and move to Alabama? The Crimson Tide is struggling and we need a new coach in a bad way. Anybody that could make getting an auto loan this easy is bound to be able to figure out how to beat the Auburn Tigers. Thanks for the great product and service." E.D. - California "Your company is just incredible - everything was easy and worked perfectly! I just can't believe how efficient this whole process is. I will recommend you to any of my friends/family needing an auto loan!" D.G. - Georgia "Thank you all so much! Even over a year later since I have purchased my vehicle, it is still a pleasure doing business with you all and I certainly look forward to doing business with your organization in the future. I will rant and rave about you to any family and/or friends looking for an auto loan in the future. Your customer service is what other companies should emulate!" J.M. - New York "I have been in business 31 years and have borrowed hundreds of thousands of dollars. This has to be the best "hassle-free" experience I have ever had. Thanks." R.C. - Georgia "I plan on communicating your services to everyone. I wanted to give you some feedback and let you know that this has been an extremely pleasurable experience for me. I haven't experienced such responsiveness and such courteous customer representatives in a long time. You definitely blow the traditional local bank out of the water on your technology and service approach. I have already turned a handful of friends onto your site. Way to go!" L.M. - Michigan "I must take the time to write as I used your service for the first time. I was hesitant to do anything over the Internet. I was really impressed with the instant response that I received. The back of the stamp wasn't even dry yet when I received the check. I also had to make a change and phoned your nice people, they were the nicest people I have ever done business with. THANK YOU." S.J. - California "Thank you for approving my loan. I want to add that your company was the most courteous and helpful of all the companies I applied with, and to me customer service is the most important thing. Thank you for your excellent customer service..." R.M. - California "Wow! You guys are good! I have never received customer service this good, and I would know, I am in the customer service business all day, every day. Thank you for your quick response and friendly updates." A.D. - Virginia "Hey Guys, I've been meaning to fire something off to you for a while. First...the service is great, PeopleFirst.com is easy to use, easy to update account changes...and the card was a nice touch. I spend 40+ hours a week online and I know a good thing when I see it. Keep it up!!" S.M. - Massachusetts "ANYTHING I can do to be of assistance in the future, please let me know. I'm truly enjoying my experience with your company. : )" D.C. - California "I received the Fed Ex package before noon on Friday, and by 3 o’clock I was the proud owner of a ‘97 GMC Jimmy. I am extremely happy with your service, and I will be recommending it to everyone. My car dealer quoted me a much higher rate...now that’s impressive! I would like to thank everyone who worked on my loan." M.P. - North Carolina "I would like to congratulate you and PeopleFirst for having excellent “people” in your staff. I worked with several on-line loan companies in the past, and out of all of the organizations I have dealt with, so far your staff is more patient, knowledgeable and polite, and they go beyond the call-of-duty to accommodate customers’ requests. I am sure that I will be coming back to your company when my future needs arise, and will continuously refer you to many of my colleagues and friends... Again thank you very much for the excellent service I have received from your staff and company." H.W. - Washington "I would like to commend and congratulate each one of you for perfecting the fusion of technology and unmatched customer service throughout the new market space/e-commerce. It's a great feeling to find people like you who provide appropriate service with competitive rates via the Web. The expedient mailing of the check, the competitive rates, and the amazing customer service need to be patented. Keep it up." M.F. - Texas "I just wanted to thank you for the great finance experience. I'm quite savvy with the Internet, but I never realized I could get an auto loan so easily. The process literally took me 12 minutes. I tried two online finance companies, and you beat the pants off the other guys. You gave a better rate, had a much easier form to fill out, and actually got the check to me two days before the other guys replied by e-mail! Incredible. No more waiting for my bank to open, no more getting ripped off financing a new car at the dealer. A company with your quality of service will flourish. I can guarantee you that I will recommend your company to all my acquaintances, and will use your services again." J.W. - Colorado "I recently completed a person-to-person purchase of a used vehicle with a loan from PeopleFirst.com. It was by far the most painless loan process I have ever encountered in all my years of buying cars. PeopleFirst got it right! You have a great product, and I will whole-heartedly recommend your service to everyone I know." J.G. - Arizona "Thank you. Excellent service and none faster...12 minutes!" S.F. - Massachusetts "We did our best to check you out in every way possible because until now we have never made an Internet purchase because of nightmare stories. After much discussion...we filled out the online application, clicked "submit," and to our amazement one of your representatives called us in less than 5 minutes! He said that we were approved and that the check had been overnighted to us. The check arrived at our house at 10 AM the next morning. I'm not easily impressed and certainly never enough to prompt me to write such a letter but I felt compelled. There is no doubt who I will call the next time I buy a car or whom I'll recommend to anyone looking for a great deal. Your people were friendly and helpful and we realized that had we gone to our local bank of 12+ years, we wouldn't have been treated as well or as efficiently as we were at PeopleFirst. Keep up the good work." E.C. - Louisiana "I am in the Internet business as well, but I must say the level of service and response provided by you has been so far beyond expectation that I can't believe it! I received confirmation of approval before I could even get home, I got the terms changed in about 30 seconds, and the customer service folks went the extra mile for me. I am truly impressed and will try to make you better known among my colleagues. I came across your organization by accident, and filed the online application on an impulse, never expecting to really use the service. But now I'm very happy I found you-- a pleasant alternative to any bank." S.C. - Massachusetts "THANK YOU!! You could not have made this any easier. We can't thank you enough." J.N. - Florida "All at PeopleFirst.com, THANK YOU VERY MUCH. By doing all this, you are forcing me to buy another car...(I am kidding). But one thing is sure, every time I get a chance to recommend an auto loan provider to a friend, be sure that it will be YOU. I have had an excellent experience with you all. Thank you once again." S.C. - Michigan "I've been a customer since 1997, and I was ecstatic to see that my third car loan was instantly approved! Every lender should model after PeopleFirst." Q.H. - California "Amazing! Very professional, fast! We're blown away!" M.P. - Michigan "I have never before had a more pleasurable experience dealing with a finance company or a bank. Your representatives were kind and courteous and your service was excellent. I think that other companies could take a little lesson from your company on how to do business! I will be happy to refer any of my friends and colleagues to your fine company." M.M. - California "Just for the record, I have been extremely impressed with PeopleFirst's service, efficiency and speed in providing a loan for my wife and me. I would like to congratulate and thank you for a job well done, and for whatever it's worth, a much more pleasant experience than with any of your competitors." E.K. - Virginia "You guys are awesome! I called my credit union and got some quotes from my personal bank. You beat the best rate by over 3% and did it in minutes. I look forward to telling everyone I can about your awesome product and service! Thanks!" M.K. - California "I just wanted to drop you a note thanking you for a process that was so easy. You did exactly what you said you would do, and that is something I value. You will have my business again when I decide to buy another car." J.K. - California "I just wanted to say how great it was to work with you guys. I have had countless loan-induced headaches working with credit unions and banks, but you guys were totally vanilla. You came very highly recommended by…and I must say that you definitely lived up to the great things that were said about you. Your staff is very courteous and professional, and your service is flawless. Thank you so much for all of your help. We are looking forward to working with you again." D.B. - Washington "Your company is turning the snobbish, complacent world of vehicle finance upside-down! I just don’t know how I can adequately articulate my overwhelming gratitude towards your company. Your staff was exceptionally friendly and professional. I’ll see to it that everybody I know is aware of my complete satisfaction with this transaction. You've exceeded any expectations I could have dreamed of. What a wonderful experience!" K.S. - Washington "I am completely amazed by how well this worked. You have developed the perfect mix of technology with astonishing customer service, and the best rates I could find. I hope more people know about you. I will certainly tell everyone I know." J.L. - New York "I thought I'd send you a note to say thank you for your help with my car loan. I have been talking and raving non-stop about your company. I have talked about it so much that one of my friends mentioned that I should be your spokesperson. I am a Financial Advisor and I know the interest rates of banks as well as their limitations on car loans. Thank you for coming up with this concept and for making my life easier. What a fantastic idea! Your efficiency literally stunned me. I can assure you that I will be telling many more people about your company. Thank you. An extremely satisfied customer." J.L. - Maryland "I want to personally thank you for your outstanding service! I use the Internet daily for so many other things...and now to get a great rate on an auto loan is another big plus. Secondly, the day I made the transaction with the seller, we went to Mailboxes, ETC. We got there at 7:30, and they had already closed. But an employee was still there, and he reopened the store to notarize our deal and fax all the paperwork to PeopleFirst. My hats off to them, too! I'll be sending anyone I know who is looking for auto financing to your Web site. Your service, methods, and people are OUTSTANDING!!!" R.R. - Tennessee "My wife was a little worried about making such a transaction online, so I'm glad to see how professionally and quickly we've received your responses. I felt a little guilty about not going through our local bank, until I took the time to call them to see what type of interest rate they're quoting--I'll end up saving over $800 by using PeopleFirst.com over the course of the loan period, not to mention postage, and the time spent waiting in line at the bank to make a payment! You can bet that the next time I hear of someone buying a new car, I'll recommend that they check out PeopleFirst.com." G.H. - Washington "Thank you for your prompt and courteous attention...just to let you know, dealing with your representatives was truly a pleasure, and I will surely recommend PeopleFirst.com to all my friends. What an easy, convenient way to do business--in the privacy of my home, on a Sunday! I love the Internet. E-Commerce is the way to go..." F.E. - Florida "Thanks so much for the incredible (and painless) service. Working with your company actually made my auto purchase a pleasure. And, this is what I really like-- there was an absolute minimum of paperwork to read, sign, blah, blah, etc. Cool! And a great rate too! You guys are great. Thanks again." M.C. - California "...what an absolute pleasure it was getting my car loan through you guys. I never bought a car before and was really hesitant about the loan process-- it seemed like a scary, messy, paperwork-laden thing. In reality, it was easier than placing an order for something on the Internet. And the interest rate you offered, as well as the payment arrangement, were too good to pass up-- cheapest rate I found anywhere, online or off. Having worked in a highly customer-centric e-commerce environment for several years now, I appreciate the value of fast, efficient, friendly service, and think it is key to staying in business on the Internet. At the rate you're going, I think PeopleFirst will be around for a long long time. Please do mortgages and home loans. I haven't bought a house yet, but that will give me a reason to..." E.H. - Washington "I just want you all to know how VERY IMPRESSED I am with your service...and I'm telling everyone I know about it! Thanks again for your efficiency, speed, and everything else!" K.B. - California "You guys are brilliant. This is the most tremendous Web site we have ever encountered. You saved us time and money on our auto loan, and you continue to save us time every time we transact with you. Keep up the good work...we have already told 20 some people about your service. I truly wish you did mortgages!" D.P. - Illinois "I do quite a bit of online money management (investing, bill pay, etc.) but I am still amazed at the speed and efficiency of your service. Your customer support folks were great, they called me *2 minutes* after I submitted the loan request to confirm my loan approval and rate. I requested the loan at 6pm EST and had the check in my hand at noon the following day. THIS is the way Internet services are supposed to be! Excellent job and thank you so much for such a rewarding experience!" J.M. - Ohio "We already have used the check and now have our new car. Let's recap... - an interest rate significantly lower than what's available locally, - minimal paperwork, - prompt delivery of a check, - courteous customer service From my standpoint, that's pretty much perfect. Keep up the good work!" L.L. - North Carolina "Thank you so very much for the absolute best service I have received in years. Although I never met any of the employees personally, they all treated me like a person, not just another number. I was amazed at the fast, friendly and efficient service I received from your company (PeopleFirst) - I guess the name says it all. Thank you again, and keep up the excellent service!" C.S. - Idaho "I just wanted to comment on how EASY, NICE and CONVENIENT it has been dealing with you. I have been telling everyone to check with you before they get a car loan. You are great!" T.B. - North Carolina "You must have the dealers very nervous! The place where I bought the car frowned upon my having a check from an out of state source I located online, although I also purchased the car through an Internet site. He warned me that it would be a difficult transaction because of some paperwork the state of Louisiana requires on car loans. He wanted me to use his financing because it would be easier on me (although he would not beat your rate). Then, as it turns out, your representative faxed him the required papers the very next morning and I will stop by the dealership on my lunch hour today to sign them. And the whole deal is done. Oh, my goodness, what a hardship it has been for me! Keep up the good work!" J.W. - Louisiana "Thank you for this excellent service. I would not have been able to do this as quickly or for such a good rate with any local bank or credit union. Your services are very appropriate for the Internet way of life, where customers are busy and want information quickly. The entire process was so smooth--I can barely believe that my check arrived today and I already have my car! Even the phone call with the few follow-up credit questions was polite, efficient, and easy. I already consider myself a loyal customer after just two days! I will certainly tell my friends about PeopleFirst.com. What a smart idea." L.G. - Minnesota "Unbelievably great service! I am just blown away by how fast this has been! I will take the time to prepare a letter expressing how impressed I am with your firm. Thank you so much." M.H. - Georgia "I've told a number of people that PeopleFirst is the ONLY way to finance a used car. The interest rates, simple interest vs. rule of 78's, choice of monthly billing or debit, super fast service, polite people...even postage-paid envelopes! The process of applying is quick and easy...your company has been great to deal with." R.S. - Indiana "Thanks so much for your speedy response! I have used the Internet for buying my computer, my printer, ink cartridges, digital camera, and now for getting my car loan! I love doing business like this! Thanks again!" R.R. - Washington "I stumbled upon your Web site while researching various new car prices and noticed that your rate was lower than anything I could get from a local bank. I was highly skeptical at first since offering such a low rate there had to be strings attached. I can't tell you how pleasantly surprised I've been by your great service. I received a call in 5 minutes and was approved about 2 minutes later, had my check FedExed, received it the next day and bought my car. Everything has been so easy and convenient. You've got a great service and great site!" J.H. - Virginia "You folks have made this amazingly easy. Thanks for your friendly help." J.W. - Louisiana "Thank you for letting us know about the title, we really appreciate you remembering to write. That in my opinion is quality customer service. Customer service is the one main reason I do business with someone more than once. I have had excellent customer service from PeopleFirst, keep up the good work as it is appreciated and rewarded." H.A. - Texas "Thank you for taking the time to personally telephone me last evening-- I appreciate your flexibility and willingness to help me with my loan. Not only does PeopleFirst provide a user-friendly method of application but also perhaps the best interest rates available for such a purchase. I look forward to negotiating the purchase of the auto I am having inspected and appraised; having a check in-hand will make the price negotiation process one in which there is no opportunity to pay more than I intend to. For this, I am thankful. You may anticipate my referrals in the future." C.R. - Massachusetts "Splendid. You know, pretty much every policy you folks have is straightforward, and clearly stated. I’m very happy to have found PeopleFirst.com. Please don’t get bought out by [unnamed large bank]!" F.D. - California "We are writing to express our appreciation for your great service. Your Web site had been recommended to us so we did a little research, and found you to be a reputable service. Further efforts proved that you were at least 1% less in interest rates than other, more traditional financing options. We decided to give you a try. We found the application process to be easy and quick, and our loan approval for the requested $20,000.00 came within just a few minutes. Your PeopleFirst.com service representatives were very courteous and helpful in answering our few remaining questions. At our request, you sent our blank check to us overnight via Fed Ex, and then the next day we purchased a new Toyota Sienna mini van. The process could not have been more smooth or easy from a financing standpoint." R.H. - Minnesota "Just wanted to let you know that I received my check at 9:30 this AM, had my auto dealer paid by 9:45, and was back in my office at 9:50. I saved $1000 by working with you. I am excited. Thank you!" G.M. - Texas "I've had numerous loan transactions in the past, but you guys really put a new twist on the meaning of loan transactions. I was absolutely blown away with the minimal amount of time and processing in which you processed my request. This has been a pleasurable transaction for me, and I'm certain that I will use your services again in the future." C.R. - Maryland "I was very pleasantly surprised by your simple and effective business model and easy-to-use customer interface. This should be a model for e-business!" K.M. - California "I just wanted to tell you what a wonderful Web site you have in regards to account services. It is so easy to look at all the information pertinent to my account, especially the payment history section, without having to call someone and sit on hold. Everyone I've talked to who has used PeopleFirst has been very happy with the service, and so far, I agree. Having the check to use at the time of purchase streamlines the already lengthy buying process. I would recommend PeopleFirst to anyone who is interested in buying a car, but not interested in getting hassled." C.D. - Arizona "I want to commend you on your first-rate service...I am now a proud owner of a brand new car, and I wanted to thank you for your high level of service. You can expect me to be back the next time I need a car loan and PeopleFirst.com will get glowing reviews when my friends and family ask about my car buying process. Thank you again." T.T. - Texas "This was a SUPER way to arrange financing! Great job. Great company. I will NEVER use (unnamed bank) again." A.A. - California "I wanted to tell you what a terrific experience it has been to obtain a loan from your company. More important, I want to compliment you on your staff. I had the opportunity to deal with four individuals and each of them was polite, prompt and professional. I owned my own business for ten years and understand and appreciate how important employees are to representing a business and providing customers with their first, and often, only exposure to the company. I don't know what training or incentives you provide, but your staff reflects an attitude of "can do" and a real willingness to meet the needs of your customers. Congratulations on creating and maintaining such a positive, customer-friendly company. Please let your staff know how much I appreciate their good work and attitude." J.M. - California "I will not wait when I have an opportunity to complain about something. Then I thought I should not wait when I have an opportunity to appreciate great service and a great product. I take this opportunity to thank you all who were involved in the loan to me as well as to others like me." G.E. - Nevada "I just wanted to express my extreme satisfaction with PeopleFirst. I can not believe how easy the whole car buying experience has been using your service. My car dealer had never heard of your service and could not believe that I had a blank check within 36 hours of applying. I will recommend you to everyone that I know. Thanks for my new toy, a 2000 4Runner." M.M. - Arizona "Many thanks for your wonderful service. If your company ever needs a testimonial, I'm your guy." F.K. - New Mexico "PeopleFirst.com has exceeded all of my expectations. I am very pleased with the service I have received. Keep up the great work and I'm sure you will do very well." A.G. - Washington "Thanks for the prompt response. I'm really impressed with your organization's delivery on what you promise on your web site." M.P. - West Virginia "We are very impressed with your loan process. It is user-friendly, well-organized, and efficient. Your employees are friendly, courteous and responsive. What's the catch?" G.T. - Texas "Just wanted to say how impressed I was with your service and responsiveness. I submitted a loan application and...in less than 5 minutes one of your representatives called to clarify some information, then within 5 more minutes someone else called back telling me that my loan had been approved and the check is on the way. The process was so smooth, quick and best of all the rate was the best I had found. I couldn't ask for a better experience and will definitely recommend you to anyone I know looking to secure a loan. Thanks again." P.M. - New York "I just wanted to take a minute to say how pleased I've been with your company. Your customer service is first class, your web site is extremely easy and helpful, and, as an added bonus, you even pay the postage on my extra payment envelopes! I am glad I found you on the web when I was searching for car financing. Keep up the good work!" T.G. - West Virginia "Having purchased several cars in the past I know how frustrating it can be to find a car. It can also be very frustrating finding reasonable financing. You made the financing part very easy with rapid, very competitive quotes and excellent customer service... I have already referred several people to your site and will continue to do so. Once again thank you." K.P. - Alabama "Obtaining a new vehicle loan through PeopleFirst.com has got to be one of the neatest Internet experiences I've ever had. The entire experience has been clean, quick, and polite. I can't imagine ever pursuing an auto loan through anybody else ever again." J.R. - Oregon "I love you guys... Thank you for your great rates, excellent service and fabulous web site. I will never go to a bank again for a car loan...best experience of my life. Take care." S.L. - Pennsylvania "I am proud to be a customer of Peoplefirst.com...great company. You can bet that I will be referring your name to everyone I know needing a loan." D.S. - Arkansas "It seems I've been sending quite a few comments to companies about their web sites lately. Most of my comments have actually been complaints. I'm in the IT industry so I know what is possible and what level of effort is required to publish a good site. I guess my expectations for functionality and ease of use are pretty high and still climbing. I'm happy to write that I have no complaints about your site. It is clean and simple and extremely useful. Fantastic job! I've been recommending PeopleFirst to anyone that I hear is buying a new car. For their own sake I hope they have been in touch with you. The application, approval, and automated payments have been flawless. Keep up the good work!!" R.U. - Massachusetts "Your service has been phenomenal. Keep up the good work. I wish all lending institutions were as courteous and helpful." P.S. - Pennsylvania "I knew doing business with you would be more than just a transaction. I had a very good feeling about entering into the purchase of my new Tahoe utilizing PeopleFirst for financing from the very first! All the best of the new year to all of you from my family and most sincerely, from me." B.C. - Pennsylvania "...I expect a little more from a web site than just pretty graphics. Thank you for providing a web site which is functional, easy to navigate, and is more than just a text page with an 800 number to call for assistance. This site should serve as an example for others to follow. Thanks for creating an effective and painless experience. I look forward to doing business with such a professional organization." C.H. - Ohio "What an amazing service. PeopleFirst gave me the best rate on a loan with no hidden charges and an incredibly easy application process. It would have taken me more time just to drive to my bank than it took to complete the entire application. My check is on the way. I am thrilled." R.M. - Georgia "You made my buying experience such a pleasure! After I saw your rate, I shopped around and found no lender who could even come close to yours! And it was so easy to apply! Your welcome packet told me everything I needed to know. When I went to close on the deal, it was fast and easy because you had attached the right paperwork to the check. The dealer was even surprised to see how easy you made it for him. I just went to your web site to activate my automatic pay. Your account history section and other helpful information are terrific! I will definitely recommend you to everyone. Thanks again, I enjoyed it so much, I feel like getting another loan!" R.S. - New Jersey "Let me rant and rave: prompt response, answered every question quickly with little or no hesitation, I never spoke to the same person twice... but it didn't matter as each person I spoke with was able to respond definitively. You've proven beyond all doubt that the service and product you offer meets or exceeds my every expectation. Thanks for a job well done; you've got my vote." K.F. - Washington "I have never e-mailed a company saying good job before, but here goes: good job! Today I checked my loan balance on line and all payment information regarding my account was so well organized and well thought out that it makes this task a pleasure. Keep up the good work." D.K. - Virginia "I would like to take this time to thank PeopleFirst for their outstanding customer service. I never imagined that financing an automobile could be so easy! I truly applaud the staff of PeopleFirst and feel most fortunate to be a customer." J.B. - New York "I want you to know you've made our first major electronic transaction painless and, even though I always hate to take out loans, a pleasure. Even the dealership was impressed with your program and great loan rate. She even commented that usually she hates dealing with online loans but that PeopleFirst looked like they had done their part. Thank you for your part in our first great car." A.M. - Wisconsin "Thank you PeopleFirst! You are a real customer-service winner, in the big sense of the word. I could not be happier with the whole process. Get the word out! You have really done an outstanding job for me!" C.D. - Washington "I wish to sincerely thank you and your fine organization for my recent loan approval. As of today, I received the remittance check. I am very happy with the expedient loan process and excellent customer service. Never have I experienced such swift loan approval with minimal effort. Your organization is to be commended. Please note that exactly one week ago today, I conducted a search online for auto financing. I wrote to your site with numerous others and I am glad that I did. Not only were you the sole company to reply the very next day, but you were the only one to extend friendly, genuine interest to do business. Why are these other so-called online "phantom finance companies" in existence...I have no idea. You’re the very best - second to none. Please keep up the excellent work. I deeply appreciate your efforts in regards to this project. Thank you again." K.C. - California "I just want to let you guys know that I am extremely surprised by the speed and accuracy of your service. Please send my best regards to everyone at PeopleFirst, and let them know of one very satisfied customer." H.E. - California "My husband and I own two companies that keep us extremely busy. However, I was inclined to write to you. In business, customer service is very important to me and I am adamant that my employees treat all customers with the utmost respect and consideration. I must tell you that I am truly impressed with your organization, the courtesy we received, and the consideration your organization gave us in approving our loan...you should be very proud of your employees, they are to be commended. I look forward to working with PeopleFirst in the future, and will tell my family and friends about your organization." S.R. - Florida "Thanks for the assistance and please pass my commendations around to your staff. It has truly been a pleasure working with your organization on my auto loan! I can't remember dealing with any company that has been as easy to work with as yours. :-)" G.F. - California "I am absolutely flabbergasted...thank you, thank you, thank you for making this transaction so simple, quick and attractive." T.R. - Texas "I just wanted to take a minute to thank you for the manner in which my application for a new car loan was handled. Like a lot of people, I am always a little nervous about transacting business on the Internet, but your program and the professional manner of your staff have made this transaction much easier. I much prefer dealing with people who are selective but fair and with whom I don't have to get into any kind of bartering posture, than with some overgrown institution that really doesn't care about its clientele. I plan to do business with you again and am recommending PeopleFirst to others." R.L. - Michigan "I do have to tell you that even after I read some of the letters of testimonial on your web site before I applied, I was still surprised at how friendly and helpful your representatives were, and at the ease with which the transaction took place. Tell everyone to reach around and give themselves a pat on the back." S.M. - Massachusetts "I just wanted to let you know how great your company is. Since getting my loan back in July, I have been very impressed with the level of customer service, the ease of getting the loan, and all the information that is available to me as a customer via the web site. I have referred many people to your company and will continue to do so. Keep up the great work." S.S. - California "We like the way you do business. You made getting qualified for the loan very simple, and took care of business very efficiently. Would that all businesses work this smoothly (and courteously) with their customers." D.S. - California "You have produced one of the finest financial services I have seen to date. You must make traditional banks very nervous. Thanks for a truly pleasant experience and for helping show the common person the value of shopping the Web!" T.B. - Oregon "I was not photographed, fingerprinted or had to give a pint of blood, what a delightful way to do business. Oh yes, I did not have to fill out a three-page application. Your name says it all--PeopleFirst." G.F. - California "I have been a banker for 31 years and refinanced my used SUV with you. I was shocked and very impressed with the ease, service, and the results. Anyone who does not think the Internet is the future is extremely shortsighted. Thanks for everything." G.J. - Idaho "Thank you for the recent auto loan check, which I used yesterday for an awesome car! I am probably preaching to the choir to tell you guys anything about the psychology of your business, but as partial thanks, let me provide anecdotal affirmation of your astute business hunches. I missed one angle to all this until I actually went through the business office treadmill at my dealer... At my dealer's biz office was a tired old geezer in poor health, a sincerely nice fellow trying his best dated persuasion skills, that playing like a 1950's Catskills lounge comic. I tried not to break out laughing when he tried to assure me that his loan source, I'd never heard of, was the third largest auto lender in my state. How did our relationship form? Unlike any of the other sources offering me credit at their best rate, you guys actually gave me the third degree before saying yes. Then you were great on the phone, while saying yes. The psychology of this? I had proven myself to you guys, why would I want to switch to some traditional bank I hadn't heard of, that didn't appear to really know me either? Thanks again!" D.B. - New York "Just a note to let you all know that this is the best service experience I have ever had with an Internet-based business. I work in the industry and do daily transactions using the web. This service has absolutely exceeded my expectations..." S.S. - Florida "Your level of service and efficiency is far better than any company I have encountered in a long while. Your staff is courteous and knowledgeable. You are light-years ahead of other institutions. The bank where I have my checking account could not match your rate or your quick response, and the credit union where I save my few extra pennies took over a week to give me a response. You are to be commended for bringing financing into the 21st century and beating out your competitors on both the rate and the service. Hats off to your fine institution." C.N. - Maryland "I wanted to let you know how happy I am with the service I got from PeopleFirst. My job requires me to travel out of state Monday through Friday, which makes it really difficult to do things like purchasing a car. Your on-line service not only made it convenient for me to get a loan, but you also offered the lowest interest rate. I would have spent hours at my bank and at the dealership filling out papers, but by using PeopleFirst I was able to drop by the dealer, sign 2 forms, and within 20 minutes I was driving home in the new car. It was a real pleasure dealing with your people too, they were really helpful and friendly. Thanks again for such a wonderful service." K.S. - Virginia "You made it easy for me to purchase a vehicle I thoroughly enjoy, when it would have difficult and time-consuming elsewhere. Your service is exactly as represented, no surprises, and everyone I've dealt with at PeopleFirst has been exceedingly friendly and knowledgeable. I have and will continue to recommend PeopleFirst to friends who are looking for an automobile loan. In short, it could not have been a more pleasurable experience. Thanks." T.K. - North Carolina "This was so simple it was silly! Why isn't everybody financing with you folks? Thanks again for the fantastic service!" D.R. - Georgia "Just a quick note to say we loved working with you guys. Securing a loan was fast, easy, and as far as we are concerned the only way to buy an auto. A million thanks for making our purchase so enjoyable." B.P. - Texas "I suspect you folks hear this a lot, 'cause you deserve to: you're awesome! Keep up the good work!" J.M. - Massachusetts "I am TRULY, completely happy with my entire experience with your company. I am a homeowner, multiple-car owner, small-business owner, real-estate owner (residential & commercial investment properties), and I do LOTS of business on/through the internet...PeopleFirst is the absolute BEST experience I have ever had, and NO ONE even comes close! You may quote me on that!!!" V.D. - New York "Thank you for the courteous and prompt service. I must admit, this was the easiest loan process I've ever done with any company, and believe me I have done a lot of business throughout the years. Thanks for being user friendly!" E.B. - District of Columbia "You guys are very good and very professional. Do you have plans to start offering home mortgages any time in the near future? If so, I'd be very interested!" V.S. - Indiana "Your web site is awesome! I can get all the info about my account at my fingertips." R.H. - Washington "EXCELLENT JOB! I applied and received approval from PeopleFirst for an auto loan almost immediately--this is the fastest and the most convenient process I have ever been through for a loan! I have to say I am extremely impressed with the service, I will definitely refer my friends and family to you. I am so thrilled with your service, I was wondering, I am in the process of purchasing a new home and looking for a home loan-do you folks also have a home loan program? If not, you should definitely look into this as well. Maybe you can refer me to some online home loan service that is good as PeopleFirst is--keep it up!" R.J. - Virginia "Just wanted you to know that the representatives I dealt with at PeopleFirst were very pleasant and made the process easy. I am one who likes to give my business to local banks if possible. However, after contacting local banks your application process, rates, and ease of completing the process were so much better that I chose to go with you." K.W. - Iowa "I just wanted to drop a line to let you know how much I am impressed with your service. I have never processed a car loan application and bought a car easier than this. You beat my local and dealer rates by 2 percentage points. Great rates, fast professional service, friendly support-- an overall excellent program. What else could you ask for! This is definitely the future of car loans." D.K. - Arkansas "I am really impressed with this arrangement and the service you offer. I became aware of it while researching on Edmunds.com and checked it out. It's totally cool! Keep up the good work." L.L. - Texas "I just wanted to tell you guys of the incredible service I received from PeopleFirst. My family and I were travelling to my best friend's wedding in Maine and we were hoping to be able to go in our new minivan, the Honda Odyssey. We had been waiting for over two months to receive delivery and the dealer had told us that we would get delivery before our trip. The day before our trip we had given up hope that the Odyssey would be delivered, when all of a sudden we had got call from the dealer that our car was in. Now the only thing we had to line up was about $22,000 in financing. Someone had recommended PeopleFirst to my wife so I went onto the web site at 6:00 PM, finished the application by 6:15, and received a message on my answering machine at home that PeopleFirst had called to give me the status of my application. I called them back, answered a couple of questions, and was approved by 8:15 PM. I needed the check by the next day so we could pick up the car to go to Maine, and lo and behold FedEx shows up with a $22,000 check the following day. I then took the check down to the dealer, drove off the showroom floor with my first new car and made it all the way to Freeport, Maine in my shiny new minivan. Along with the best rate I could find, I had awesome service and by far best experience ever on the Internet (or any other transaction/retail experience for that matter). If I ever were going to recommend one service for a loan whether through a traditional financing source or over the Internet, it would be PeopleFirst." C.S. - Connecticut "The wave of the future is now..." B.C. - California "I want to compliment you on an excellent operation. You've made auto financing easier and faster than ordering pizza. I remember when applying for a car loan meant putting on a tie, waiting around hoping for a bank officer to give you a few minutes, then sweating approval for days. I'll never do that again. You deserve great success! I've posted positive feedback about PeopleFirst.com on auto-related Websites and will certainly recommend you." T.F. - Washington "You have a great web site and professional, courteous and helpful customer service representatives. Not only have you succeeded in your internet endeavor, I feel it is a web enabled business for others to emulate. We enjoyed working with you." B.C. - Colorado "Being able to have a pre-approved loan with a blank check made our car buying experience a breeze. Thank you for providing an excellent and convenient way to obtain an auto loan at a very competitive price. I have already recommended your services to others and will continue to do so!" R.H. - Alabama "You folks are the best. Next time you folks should finance my house. I am incredibly surprised at how prompt and professional your organization is--thanks again!" D.G. - Georgia "Thank you for your great service - I don't even bother trying to get a loan from my local bank anymore -- PeopleFirst is much more pleasant to deal with! Keep up the great work! I’ll buy my future cars with your service." R.M. - Maine "Please tell everyone at PeopleFirst thank you! I work for a major bank, and the experience I have had via phone, e-mail and fax with PeopleFirst has been outstanding. My employer sold its auto loan department, and I have nowhere to refer my business other than PeopleFirst.Com." R.V. - California "Just want to say thanks. I applied for my loan late (11:00 pm) on a Thursday, had the check by Saturday at 10:00 am, and picked up the car on Monday evening. Your customer service is exemplary and your employees were very helpful and friendly. Buying a car (or anything else for that matter) has never been so easy. Thank you again!" D.L. - Minnesota "I would like to take this opportunity to let you and your staff at PeopleFirst.com know how pleased my husband and I are with our experience with your company. Every step of the way has been an easy and smooth transaction-- from applying online for our loan to receiving the welcome package and blank check. We have been very impressed with the level of professionalism and courtesy with which we have been treated, and we wish to express our thanks and gratitude for the excellent service we have received." N.D. - Georgia "Thank you for the fast response and approval of my loan. We are definitely recommending you to our friends. Keep up the good work. Once again, thank you!" A.B. - California "I am amazed at the ease with which this loan was processed and will certainly recommend PeopleFirst.com to my friends and family" D.W. - Florida "I have to write this great big thank you...last night I applied online for my auto loan...I had a really good deal on it and my own bank of 23 years wouldn't give any better rate than 9% and they acted as though that was wonderful...I applied at 6pm...was accepted in 15 minutes and got the check to get my car this Morning...opened that envelope right away and found the check and loan agreement...exactly as I was told it would be! You are wonderful...I read some of the customer comments on your site...said to myself...we will see, and I DID...thank you so much for such wonderful service...the young lady I worked with was terrific and you are certainly customer-oriented...I have already told my car dealer about your service...and many of my friends...and family...THANKS SO MUCH...I have a busy work schedule and don't need to deal with banks or others who think you can just take days off to run around for them...so you really do what you say and IT IS SO EASY!" C.B. - Massachusetts "Please pass on to your customer service department that I've been amazed at how simple and fast your service is." R.C. - California "I could hardly believe I would get an approval in less than 10 minutes from sending the application over the internet. I went shopping and had a new truck within the week. You folks are pioneers for future loans, no doubt about it! What a neat service!" R.H. - Missouri "You guys are awesome!" A.A. - New York "Thank you. This is the first time I have taken out a loan in a long time...it was very unique to do it over the internet. I want to commend you on your quick response and thoughtful customer service. I’m in the newspaper industry, and I can tell you that our industry could learn a lot from you on how to handle customers in a seamless manner. I’ll tell others about you." D.S. - Georgia "Everyone at your company was extremely nice and seemed determined to help us. It is wonderful to know that true customer service still exists! Thanks so much!" E.R. - Texas "I would like to thank everyone at PeopleFirst.com for making my loan application process so easy and trouble free. I admit that I was somewhat nervous about applying for a loan on-line, but your service is exactly what you advertise: an easy, efficient and quick service that is safe and reliable. Not only was the process smooth, but your rates beat my dealer's best offer by a large margin. So, thank you again. You can be sure that I will mention PeopleFirst.com to everyone I know who is thinking of getting an auto loan." G.C. - New Jersey "Please note! Buying with PeopleFirst was great! It allowed me to really deal with the dealer and we are very happy with the results!" R.R. - New York "We recently financed a 1991 Mercedes through your company. I just wanted to sing the praises of one of your associates. While your processes in place for auto loans are excellent, she was exceptional in providing outstanding customer service. She went above and beyond in making this loan effortless for us. Her customer-first attitude is very welcome in today’s business environment, where many companies talk about customer service and so few practice it. I hope your company rewards top notch service, as she deserves that award. I have enclosed a photo of the car; please forward it to her with our thanks- she helped my wife’s dream come true." J.F. - Florida "Just wanted to drop you a line to thank you. Your service is tremendous, and the ease with which I obtained my loan cannot compare to conventional lending institutions. You have earned a long-time customer, and I will refer all the business I can your way. Thanks so much." E.R. - Montana "If you ever need a ringing endorsement for your service please let me know. I have always paid cash for my cars and the car loan I just obtained was my first ever. The loan process was easy and there was no pain involved. Wish I could say that about my dentist." B.M. - Idaho "Your company has made the financing of my new vehicle extraordinarily convenient, and the rapid response and customer service of your company has been truly impressive! I would like to thank your organization for the pleasurable experience." J.S. - Texas "It has been a pleasure to do business with your good company. I have nothing but high praises to the professionalism and courteous personnel working for your company. Rest assured that your company will be recommended to my friends and family." G.M. - California "What a wonderful experience getting a loan through you has been!! I did not believe that you would call me back in 15 minutes. It was under 10 minutes that I received the good news that we had been approved and the check was on the way. I have no idea how you accomplish this kind of service this quickly. Thanks for a wonderful, pain-free experience. I will tell everyone." C.L. - Virginia "This was the easiest loan process I’ve ever been through, and the best interest rate! I’m so glad I stumbled across your site. Thanks so much." R.F. - New Mexico "Thank you for the exceptional service you provided me last week. Your staff was competent, professional, and efficient. I am amazed by how ‘user-friendly’ the PeopleFirst loan process is. I had a loan approved within about 8 minutes of calling in an application and I received my loan check in less than 24 hours of making that first call to apply. I’m already recommending PeopleFirst to ALL my friends/family!" D.H. - Texas "Everyone promises simplicity and good rates - you're the first to deliver." D.M. - Ohio "I read the many letters that are listed on the net and I thought to myself that you couldn’t have made up THAT MANY. So, I too, took a chance. This has been really painless and such a pleasure. Your staff is very courteous, people-oriented--- and in this current world, that is a very big PLUS for your organization. I will tell everyone about this service. Those missing it are REALLY MISSING IT!!!" P.W. - Florida "Thanks so much. I appreciate you for getting back to me so quickly. You and the entire PeopleFirst team are top notch. I have never had the privilege of borrowing money from a nicer, more professional group of people. You all deserve a raise!" T.P. - California "Your website has a permanent home in my bookmarks. To say that I am impressed by the service you offer is an understatement. I filled out an online form, and answered a couple of questions by phone 10 minutes later. The next day I had my blank check, which I promptly traded for my 1999 Honda Odyssey. Painless! Amazing! Thank You!" M.H. - Washington "Thank you for the nice welcome and for being so automated and Internet friendly (this is the way a business should run)." C.M. - Texas "Your organization is amazing! Keep up the great work!" G.L. - Michigan "What a simply wonderful way to do business." C.G. - California "I just became a PeopleFirst customer and am truly amazed at how easy you have made getting a car loan!" R.P. - New York "This was my first auto loan over the Internet and I must say it was pretty impressive. Thank you very much, your staff is very friendly and efficient. I'll recommend you to my friends and look forward to asking you for more money in the future." R.S. - Washington "I just closed the deal on my car, and I used my PeopleFirst check. I wanted to compliment you on your service. Your response time and customer service were excellent. Keep up the good work." J.M. - Florida "Thank you for your follow-up contact with me today. While I have another pre-approved credit union offer for a slightly lower rate, our conversation led to my decision to conduct my business with your establishment. I do try to direct my business, all other things being equal, to those who have customer-centered and business ethics similar to my own. You certainly conveyed that dedication to excellence today, and will thus obtain my business. I believe you will find that 'false negatives,' or mistakes similar to the one I became involved in with your establishment, will occur as your business expands. However, customer service does not always have to occur the first time around to win a customer. Your apology was well accepted and showed your establishment to truly be dedicated to the image presented in your Internet site. I commend you for that level of integrity, and will give you my business precisely for that reason." K.A. - Utah "Thank you. This has been one of the most pleasurable new car buying experiences I have ever had. Thanks again for doing a wonderful job and for your courtesy." B.C. - New Jersey "This is the second car loan I have received from PeopleFirst, one day turnaround, Awesome. It was seamless the first time and was surpassed the second, your associates are extremely friendly and helpful... I look forward to many years of car loans from all of you. Thanks." J.O. - California "This is really outstanding customer service from an Internet-Commerce site. It is a pleasure to work with professionals like you." E.S - California "I have never financed anything, and I mean anything, as easily and fast as the loan that we just transacted. What a great rate! I was so pleased with your people that we are transacting another refinance for my son's car. Great job!!" R.D. - California "Subject: You guys rock!! You have it all! I was approved in minutes...got the best rate going...received a check the next day...and can now see my updated account information on the web. The only way it could be better is to get the car for free! Working with you on my car purchase has been a totally awesome experience! Thanks for providing such a great product and awesome service." R.M. - California "Thank you folks for such a great idea in financing!!! Easy, convenient, and it's about time to give people with outstanding credit the credit they deserve!" G.H. - Montana "...I have found your service to be so incredibly simple, quick and user-friendly that I don't think I'll finance a car any other way. Your service is great. Thanks for a great service." M.L. - California "We are relatively new customers, yet during that brief time we have had the need to finance three different vehicles. EVERY contact we have had with your staff has been professional, friendly, and helpful. My only regret is that we are unable to identify by name each customer representative who helped us. They all deserve the recognition. Your customer representatives bring credit to you and your company. Given this type of service we expect to have a long association together. We should also mention that the relative ease of your application process especially considering the need for phone and mail communications is greatly appreciated, given the number of commitments we all have. We will refer our friends and associates to your firm. P.S. If you ever decide to get into the RV loan business, let us know." B.T. - Wisconsin "I want to tell you what a pleasant experience it has been working with PeopleFirst Finance over the Internet. I am VERY impressed with the quality of service I received. I have been telling friends and family about your extraordinary service and how quick and easy the process was. Thank you for demonstrating how great (and painless) doing business on the Internet can be!" J.K. - California "Just a note of thanks. The loan I completed was one of the most painLESS experiences I have ever had with a financial institution. I think I would still be doing paperwork with a normal bank (and not have the car) had I not found PeopleFirst. The way PeopleFirst operates, this transaction worked seamlessly and without hassles. I have relayed the positive experience to a number of people and hope it has resulted in some business for you. Your interest rate beat the best rate my very large bank provides to its best customers by a long shot." C.G. - California "I just want to thank you for helping me make my wife's dream come true. She had always wanted a Corvette, but had given up on the idea that it would ever happen. Thanks to your help, she had a wonderful Christmas." M.N. - Indiana "I just wanted to take a moment to thank your company for its efficient service. Unfortunately, I was in a car accident last month. I have been without a car since the accident took place, due to delays with XXX Insurance and XXX Credit. I was very disappointed with the poor service and lack of understanding I was given by both companies' representatives. It appeared to me that the policy of the customer first no longer existed. That is until I contacted PeopleFirst Finance. Your representative went above and beyond to help me. Not only was she knowledgeable and patient with my questions, but she made sure that I would receive prompt delivery of my check. When my salesperson was confused with the process, she contacted her to make sure all things were in order. Every time we spoke, your representative was courteous and pleasant. I was most impressed when she stayed past your regular hours to assure that all my needs were met. Please let her know how important her kindness and patience was to me." J.R. - New York "Thanks to everybody at PeopleFirst that made this car purchase hassle free and gave us such a great rate!" R.H. - California "Thank you again for your holiday greeting. I haven't even purchased a vehicle yet and your responsiveness and overall customer service have been outstanding." B.S. - Ohio "Not only are you the fastest and easiest with the best rates, but the staff cannot be beat. I have dealt with many of the staff members and they were all courteous and pleasant, and went out of their way to help me out. My hats off to a terrific company. I have recommended you to all of my friends. Keep up the good work!" F.S. - New York "I'd like to let all of you know what a pleasure it has been working with your company this year. I purchased one car and refinanced my other car. I have told many people how surprising it was to deal with your company. It is so rare today to run across truly exceptional customer service. Keep up the good work!" G.W. - Texas Founded in 1995, PeopleFirst is the nation's largest online vehicle lender. As the pioneer of Blank Check® vehicle lending, PeopleFirst offers an innovative finance option that gives customers a no-obligation check to be used for the purchase of most new or used vehicles at any dealership in the country. The company also provides financing for lease buyouts, refinances existing loans, and provides loans for the purchase of vehicles from private parties and individuals. PeopleFirst presently offers auto loans in 48 states plus the District of Columbia. PRODUCTS AND SERVICES: Auto Loans New Auto (Dealer Purchase) Used Auto (Dealer Purchase) Used Auto (Person-to-Person Purchase) Auto Refinancing Auto Lease Buyout Motorcycle Loans New Motorcycle (Dealer Purchase) Used Motorcycle (Dealer Purchase) Used Motorcycle (Person-to-Person Purchase) Motorcycle Refinancing Motorcycle Lease Buyout CONSUMER BENEFITS: PeopleFirst benefits include the following: A re-engineered loan experience eliminating paperwork hassles A no-cost application Vehicle loan response within 15 minutes Approved customers receive a no-obligation Blank Check® as early as the next day that is valid for 30-45 days depending on the loan product Customers negotiate with a Blank Check®, giving them the negotiating power of a cash buyer Low loan rates, typically 1 to 2 percentage points below the national average Requires no down payment on any vehicle An automated payment option that allows monthly loan payments to be automatically and conveniently deducted from a designated checking or savings account, ensuring on-time payments every time A $100 Loan Experience Guarantee <site_about_guarantee.cfm> if loan recipients are not completely satisfied with their loan experience 24/7 Online Account Services for customers to conveniently manage their accounts Anyone who has spent a day negotiating with a credit manager at a bank, credit union or dealership knows how frustrating a loan process can be. PeopleFirst (www.peoplefirst.com) was founded to address the needs of individuals who were usually poorly serviced and often overcharged with traditional vehicle financing. Starting in 1995, PeopleFirst’s founders created the Blank Check® loan concept and spent the next 18 months designing and developing the computer systems and core application software to develop the product online. This enabled PeopleFirst to turn a traditionally painful loan process into a pleasant experience and become the first national Blank Check® loan provider to offer customers auto and motorcycle loans in a more convenient and cost-effective manner than traditional loan services. Blank Check® Vehicle Loans In August 1997, PeopleFirst went live with its site to offer consumers low-rate Blank Check® vehicle loans, unmatched customer service, and a more convenient loan experience. A hassle-free finance option, PeopleFirst’s Blank Check® provides consumers with a no-obligation check that is used just like a personal check. This gives them the power and convenience of a cash buyer, letting them remain flexible on where they buy, when they buy, and what they spend. Consumers apply for a loan in the privacy and convenience of their home or office and get a response within 15 minutes. PeopleFirst then sends the customer their Blank Check®. Received as early as the next day, it can be used for the purchase of a new or used car or motorcycle at virtually any dealership in the country. The company also provides financing for lease buyouts, refinances existing loans, and provides loans for the purchase of vehicles from private parties and individuals. Auto refinancing may make sense “Mortgage refinancing has tapered off recently, but refinancing of automobile loans may start catching on... ‘Auto refinancing is a well-kept secret,’ said Brian Reed, president of PeopleFirst.com in San Diego... PeopleFirst is the largest online originator of automobile loans... and refinancings are the fastest growing piece of its lending business this year...” Denver Post, May 29, 2001 Slow Going on Lower Loans "Most new car loans consumers get from banks or car dealers are pegged to the prime rate-the interest rate banks set themselves and charge their best customers...Banks will tack on so-called points, or a percentage of interest on top of the rate, to set the cost of the auto loan... Other car loans are based on a combination of short-term and medium-term Treasury bond interest rates, said Brian Reed, president of online car loan company PeopleFirst.com... “We look at the combined interest of short-term and medium-term rates, which are the market’s response to what they think is going to happen,” he said... Last Friday, two-year Treasury bonds were trading around 4.31%. Thirty-year bonds were around 5.74%. PeopleFirst’s average 60-month new car loan is 7.15%, down from 8.15% in January, Reed said." New York Daily News, May 21, 2001 PeopleFirst.com: Exposing Opportunity in Online Auto Financing CATALYST: Online financier PeopleFirst.com doubles its auto refinancing business since February 2001 New York 05.07.2001 (CommentWire) – Financing a car can be a time consuming and expensive process that can make the car purchasing process as frustrating as it is exciting. PeopleFirst.com is looking to alleviate much of this hassle with an online financing process that is quick, less expensive and more convenient than traditional financing. As an increasing number of people take to the web for their financial services needs, the attraction of online auto financing can no longer be overlooked by the financial services industry. Speed: With a host of banks flooding the online marketplace, offering a wide range of online financing, including auto financing, PeopleFirst.com has differentiated itself by overcoming the traditional, labor intensive process of obtaining a car loan. Most banks, offer online applications for car loans, yet take several days to approve financing, often passing the application on to auto dealers for financing. PeopleFirst.com takes applications online and offers approvals in as soon as fifteen minutes via email and telephone. A package can be sent to the customer within 24 hours. Cost savings: In addition to saving time, customers of PeopleFirst.com often realize significant cost savings through reduced interest rates. When dealers finance cars, they generate supplemental revenues by marking-up the interest rate they are receiving from banks by up to 150 basis points. PeopleFirst.com eliminates the dealer from the financing equation, thus eliminating the dealer’s profit built into most traditional loans. PeopleFirst.com has also realized the benefits of offering auto refinancing. In an environment of declining interest rates, consumers often think of refinancing home mortgages, but rarely recognize the cost savings involved in refinancing their car loans. PeopleFirst.com has successfully promoted these cost benefits to their customers and have doubled their auto refinancing business in three months! Convenience: In addition to offering the convenience of obtaining a loan online at any time, PeopleFirst.com is planning to offer a range of other services that aim to ease the car purchasing process. These services include referring customers to dealerships and offering warrantees on new and used cars, including warrantees on private used car sales. This appears to be a winning strategy as financing is merely the tip of the iceberg in a series of issues that concern the car buyer. Offering support throughout the entire purchasing process can only act to relieve much of the anxiety associated with such a transaction. As more people look to manage their finances over the Internet, online financial services customers will seek the speed, cost savings, and convenience of online finance. Financial services firms must not miss out on the opportunity to offer online financing, refinancing, and other value added services to their customers throughout the car purchasing process. PeopleFirst.com is a pioneer in this respect and other firms seeking to enter the online finance space will likely adhere to similar business models. (c) 2001 CommentWire Datamonitor, May 7, 2001 Want To Refinance Your Car? PeopleFirst.com Will Do It "At a time that the dot.com community finds itself in significant disarray, with many bold ventures jolted back to reality before finding the end of the rainbow, PeopleFirst.com, the San Diego-based Internet lender, continues its efforts to revolutionize auto financing. Brian Reed, president of the on-line lender, told Dow Jones newswires that the firm expects to complete over $2 billion of auto loans auto via the Internet this year, up from less than $1 billion in 2000…. PeopleFirst makes loans directly via Internet applications to lender that qualify as “super-prime.” This means they make loans only to top-quality credit risks. Rather than turn away below-prime and sub-prime customers, Reed said the company is now initiating partnerships with traditional lenders to these categories, including Americredit, TransSouth and RoadLoans." Dow Jones Newswires, April 5, 2001 Paying For It, The Net Makes it Easy to Finance a Car "So you've picked out the car of your dreams; now all you have to do is pay for it. In casting around for a loan, don't overlook online lenders...one of the top auto lenders online is PeopleFirst.com. Working with this outfit is a snap...where the online lender really stands out is in person-to-person loans - for buying used cars from individuals rather than dealers. PeopleFirst.com has teamed up with Mail Boxes Etc. to give buyers and sellers free notarizing, photocopying and faxing documents, plus an easy way to exchange title." ON Magazine, March 1, 2001 Not Just a Mortgage Maneuver: When to Refinance Your Other Loans "...As you've watched interest rates move downward, you've probably already thought about refinancing your mortgage. But have you considered redoing your auto loan...It boils down to two questions, says Brian Reed, president of online vehicle lender PeopleFirst.com. 'How much money am I going to save? How much hassle do I have to go through to save that money?' Reed calls auto-loan refinancing a well-kept secret. For instance, his company offers simple interest loans with no down payment, no application free and no prepayment penalty. 'Unlike refinancing a home, you don't have all the documents and the appraisal process to contend with,' he says." Bankrate.com, January 31, 2001 Financing a Used Car "...you shouldn't have a problem financing just about any car you'd like to own, for any reasonable loan term (three to five years). PeopleFirst.com has a neat program for arranging financing for private party transactions, where both parties meet at a Mail Boxes Etc. and complete the transaction." Bank Rate Monitor, January 10, 2001 Internet Rates Smooth Bumpy Car Loan Route "PeopleFirst.com sends you - overnight if you wish - a loan agreement plus something called a 'no-obligation Blank Check.' You simply make the check payable to the seller of the vehicle and fill in the dollar amount...it beats getting soaked by those big dealer interest markups you pay when you buy a car." Sun-Sentinel, November 6, 2000 Easier Way to Get Cheaper Car Loan "When you finance a car through an auto dealer, odds are that you'll be taken for a ride in more ways than one..." "There's a better way. You can even beat what the banks and lower-rate credit unions are offering by taking a different, increasingly popular route: Financing your new or used car through the Internet, regardless of whether you're buying it from a dealer or an individual...visit a Web site such as PeopleFirst.com..." Sunday Denver Post, November 5, 2000 Get A Car Loan In a Snap, www.peoplefirst.com New York Post Site of the Week "You got the big bonus, headed straight to the BMW showroom floor and picked out the car of your dreams. Now comes the hard part: negotiating the price, the loan, the rates, etc. Wouldn't it be nice to just walk in on the dealer with a bank-approved blank check? That's exactly what you can do by visiting a new online financing site for automobiles and motorcycles (www.peoplefirst.com.) The folks who run the site promise the lowest auto interest rates online... ...One of the nice features of the site is that peoplefirst.com doesn't care what kind of vehicle the user is buying and doesn't charge higher rates for luxury automobiles. What's more, the consumer doesn't have to make a down payment, there are no applications fees and there's no penalty for paying the loan off early..." New York Post, October 9, 2000 Two Ways to Save On a New-car Loan "...Shop for a loan online. I'd start at Bankrate.com, where you can see the five cheapest bank loans in your area. I'd also try a relatively new loan source: direct Internet lenders. At PeopleFirst.com, borrowers with clean credit histories can pay 8.25% for a 48-month car loan if they agree to have loan payments automatically deducted from their bank accounts...After I put in a loan application test, I got a flurry of e-mails and phone calls within minutes and three loan approvals within an hour - from PeopleFirst and two other online lenders." Money Magazine, September 1, 2000 PeopleFirst Driving Internet Car Loan Industry San Diego Firm Scores Big on Fast-50 List "It doesn't have the high profile of an eBay, or Amazon.com, but San Diego-based PeopleFirst.com is making a name for itself as the nation's premier Internet auto lender. Last month, the 5-year-old firm that launched its Internet site about three years ago issued its second bond offering for $245 million in asset backed securities... ...Over the past year, it has grown from 35 employees to about 160...From about three-quarters of a floor a year ago, PeopleFirst.com now leases some 25,000 square feet...By the end of this month, that will more than double to 56,000 square feet on three floors." San Diego Business Journal, August 7, 2000 When Refinancing a Car Loan, It's Driver Beware When Gerald Jutting drove his 1997 Oldsmobile Bravada home from the dealership, he thought he had found a good deal. The interest rate on the loan the dealer secured for him from a local bank was 8.75 percent, better even than the employee rate at the bank where he works. Soon, though, he began seeing even more attractive rates advertised on the Internet. One Saturday Mr. Jutting, 51, typed an online application at PeopleFirst.com and was approved almost instantly. He refinanced his car... ...Mr. Jutting's case illustrates the kind of situation in which refinancing makes sense. He refinanced the $20,000 balance he owed on his car at 7.49 percent for five years. His original note was for six years, so his new monthly payment is actually $25 larger, but he will make fewer payments; all told, he will save $800." New York Times, June 4, 2000 Recent Investment Capital Totals $36.5 M Partners Apply Job Experience to Online Brokerage "...Three weeks ago, PeopleFirst.com acquired $36.5 million in investment capital led by Chicago-based Madison Dearborn Partners and backed by Morgan Stanley Dean Witter Venture Partners, Richland Ventures, American Express and Mail Boxes, Etc. For Madison Dearborn Partners director Tim Hurd, it was the men in charge followed by the product that made PeopleFirst.com so appealing... PeopleFirst.com excels at customer service, Hurd said. 'If you try to call your bank and ask a question about your auto loan, it's kind of a pain. You call these guys, you can get someone on the phone right away.'" San Diego Business Journal, April 3, 2000 Car Buying: New Rules, New Tools, New Prices PeopleFirst.com (www.peoplefirst.com), an online auto-finance company, has a good site that provides current new-car-loan interest rates you can plug in (to online calculator). Consumer Reports, April 1, 2000 Cars: A Mouse Click Away You may be able to get a better loan rate from a local bank or credit union, or from on