Wow ... didn't see that one coming. Put $500 down as a holding deposit on a FJ Cruiser, and went home while Harvard Auto (Lower Sackville, NS Canada) took time to determine financing arrangements through various banks. When they called us with the numbers it was 7.09% on a five year fixed with $4500 remaining to buy out. Meaning the $23, 500 FJ Cruiser would end up costing $30, 500. This happened on a Saturday, I told Natasha, on the phone, that I would go to my bank to arrange financing instead, and call back on Monday. We... read full review »