Roadloans, usually calls you or you call them... they send out a whole packet Fedex overnight including a blank check good to up to the 20k you have been approved for.
I believe all there loans are 72 months.
you have to buy from a dealership
you can't pay more than 15% or something over the book of the car (cover taxes and upside down from old car)
the dealership gets approval on the check in usually 1-2 days, my dealership let me take the car anyway.
I had great experience with them.