Lynn Hicky, wow, that's been awhile. I remember going in there years ago when I was around 21 years old. Thankfully I was smart enough then to walk out when the salesman asked me what I wanted my payment to be... I knew that wasn't the important thing, the important thing was knowing what I was being charged for the vehicle.I used to haul cars for a living, dealers would buy auction buybacks (program cars). Ford, Dodge, Chevy ect would give to dealers incentives for selling them, then the dealers would tack on the extra fees to the unit. Lynn Hicky and Bob Howard were the worst at the time. You are right a person would go in for a deal and end up with a 30-40 grand note at 21% Good luck and happy trails.