I applied on LendingTree and the lowest rate was 6.9% from Up2Drive. Up2Drive is through BMW finance. Cap 1 approved me at 10.9% ( booo )
I called Up2Drive to verify ID, they sent me a check that same day, and I bought my car yesterday. All that was required was a copy of my drivers license. No income verification. They pulled Equifax.. my score with them is 713.
You don't have to go through LendingTree to apply with Up2Drive.. you can apply with them directly on their website.
They also talked the dealer down over $2k on the price of the car when he called for approval. A great added bonus!