I attempted to use PenFed, but my problem is I have a lot of cars in my name that are used for my business and/or personal (8 cars)...They wanted to see my personal financials, and to have my wife co-sign the financing, I respectfully declined, I didn't want my wife involved. Ended up getting financing with my personal bank, sure the rate is a little higher, but much less headeaches. I lease cars all the time and never have problems with the banks or have the need to get a co-signer, why should I have to in this case? I have yet to miss a payment on ANYTHING in over 20 years. Ridiculous.