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I use US Bank.I had used Commerce for several years when I was younger,but they wouldn't give me a car loan when me and my wife first got together cause they said I was young and had little credit history.I called US Bank and they gave me the loan and said if I switched they would drop 2% off of the apr on the loan.Been happy with them ever since and have not had the first problem.I refinanced my house through them last year,went from 20 years left to 12 and dropped the apr 1.5%.
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