[kannan666]

I had actually taken one from Citibank and found the experience to be good. Yes, I did end up paying 1% more on the interest rate but since the dealer (whom I knew personally) got everything done for me without me even having to visit the dealership except to take delivery of the new vehicle, I went ahead as it was a lot lesser hassles for me. However, being a finance man myself, I too fully agree with the views expressed by Pedro here.