A complete and utter waste of time. It started off with the "You have been approved" routine. I submitted a figure I wished to borrow. The "ninja" who I dealt with (who, to be fair, was polite and patient) contacted me regularly to see if I had located a vehicle. I spent several days trying to track something down only to be informed that the vehicle must not exceed a certain age and mileage for me to be approved. I don't have the best credit rating (but remember this organisation claims to be able to overcome this), but it took too long for me to informed of the situation. There was a lock of clarity and cohesion throughout. I met with a reluctance to answer specific questions regarding where I actually stood, like it was almost a secret. After more messing about the "ninja" offered to try and find a vehicle that would meet the mystical "criteria." Of the three vehicles "offered," two didn't meet my specified requirements, and the other was too expensive. I fully appreciate the "ninja! was given a difficult task, but............. On top of this, there was no guarantee of an actual approval. I have previously experienced a scenario such as when dealing with a similar finance broker, but I thought I'd give this one the benefit of the doubt. I wish I hadn't bothered. You are better off finding a car dealer with finance facilities or going to a bank.