When purchasing a vehicle through a dealership be very careful of what you are signing. Pay close attention not to JUST the payment amount but the term of the loan. They find what is important to you (low payment) and keep you focused on how great it is to have such a low payment etc. You then in turn do not pay attention to the term of 96 months on a used vehicle? Credit was good so you get a good interest rate except that half way through the loan you can't even re-finance because the vehicle isn't worth that much. No gap insurance... read full review »