We have bought our last 2 cars( 7 Yr period) with DriveTime - made our payments on time and became DT Champs. Our 2 nd car is now finished and we returned to purchase another car at DT. We were told because we paid our car off to early that we were no longer DT Champs because it was done in a 3 year time period. We were told that it was a 25% rate because we paid our car off in the last 3 year time period. We looked at their cars and no matter what the year, make, or mileage it was gonna be 15000 with the 25% rate. DON'T GO THERE THEY WILL RIP YOU OFF. They say warranty but every time your car brakes down you will make a copay to have it fixed and that will add up. RIP OFF and we recommend NO!