I walked into my credit union feeling pretty sure they'd back me up with the loan I needed. Turns out, they had other plans after checking my credit, offering just a fraction of what I asked for. They said my short credit history was the issue, even though my MD contract and payment record were spotless. Then, I stumbled upon Doc2Doc online. Applying was a breeze, and to my surprise, they approved the full amount I wanted with a sweet interest rate. Plus, they gave me pre-approval before even touching my credit score, which was a nice touch. I'm definitely spreading the word about Doc2Doc to my friends and planning to stick with them down the road.