I like my small local bank. Real people that actually remember my name when I walk in. I haven't worked a loan with them, but I suspect I would be happy there.
Got married 9 years ago, wife came with a car note, upside down with a 17% tote the note high risk loan, just because she didn't know any better.
I got a 0% interest credit card offer, applied for it, put the car note on it and paid it off, being EXTREMELY careful to get every payment to them early!
I know, that was playing with snakes, but I pulled it off. Threw the card in the drawer, never used it again.