After waiting 5 hours to get a loan, they came out and said ""Good news!!! We got you approved!!, but you'll have to pay $500 down"" I said, Ok, that will be fine. We went in to sign the papers and noticed that our payments went up almost $100 more per month. I asked him what that was all about, and he said they would only approve us for 12% interest because we had no ""car credit"". We have an awesome credit score by the way. So, we were rushed through the signing process, so didnt get to read over the paperwork thoroughly. I just got my contract in, and noticed that the interest rate was not 12%, it is 17%. 5% more than we verbally agreed to. Read through your paperwork very thoroughly, before signing ANYTHING. And, we told them that we did not want to purchase any warranties, but the contract shows that we purchased a $650 warranty. I will NEVER buy from them again.