I had to chime in on this thread. I know everyone posts horror stories about them, but I've had absolutely no problems. I got approved in 2007 at around 16%. I don't know what my credit score was.
I've been late on this account many times in the past (Stupid me!), and they have only ever reported one late. I've been able to call them before to make a payment arrangement when times were tough or push the payment back to the end of my loan contract.
They helped me out even I bought my car and I can't really say anything bad about them.