In Jan.03 I purchased a car, 2000 neon for just under $12,000 and it was financed at, I was told 24.8, but turned out to be 24.9, and was suppose to be 4 years and I thought about $22,000 but its five years and $27.669 something like that, I gave $1500. down which did not come off the price, they found other uses and charges for it. So after paying $220. every two weeks for 3 1/2 yrs I still owe about 9,500 and probably wouldn't be able to sell for $1,000 if I tried to sell it, and after checking to see if I could trade my car off none of this money (HUGE MONEY) has done anything to better my credit score. It is just a big money grab and to make people pay loads of interest when your already in trouble in the first place.