Lose: LendingTree.com. I went through their application process, and when I finished I was presented with a cryptic page which made lots of references to “your offers”, but didn’t actually have any “offers” on it or explain where they might be found. So I called the number provided, and the representative could find no trace of my application on the system. Then he started on a retention script when I tried to get off the phone.
Half an hour later I got a couple of emails from them with auto loan offers in them, and a call from Capital One. I guess I was in the system after all. Oh well, too late.
Win: USAA. Not only did they give me the best financing offer, but out of all the people and institutions I’ve dealt with during my car hunt, the people I talked to were by far the nicest, most helpful, and most organized. A+. It’s a shame USAA isn’t available to everyone.