Has anyone had any recent financing experiences with HMFC? Are they decent to deal with?

I am going to the Hyundai dealership tomorrow to buy a Santa Fe. I already have Patelco approval in hand, but HMFC has a promo rate that is better by a percentage point. I am sure they will try to get me to use their financing, and I'll let them try. It can't hurt, but I don't know if my good post BK history is enough to win the promo rate.

So if anyone has any horror stories about HMFC, I'd like to hear them now.

Thanks!