I bought a Rav4 a year ago and since lost my job. I went back to try to get a cheaper car and trade this one in and I am in the negative over $4,000 in a yr. I was talked into the GAP insurance and was told that I would build equity with this if I didn't have to use it so I thought I'd have a couple thousand built up but the limit was only $800 when I was paying additional $50 per month for 72 months so you do the math. I won't ever buy from Shelor again. They run your credit every where even though I specifically told them only 2 places to run my credit.
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