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Car- they are not tring to rip you off like the status says which is what most are telling you. 19 year old guy without stable job, in ten years your business will become stable but photographer isn't stable at all. My wife does this on the side whenever she wants a grand to blow.my point is banks aren't lending like thy did 5 years ago. I'm one of the few that had credit over 800 but my wife credit is no credit. With just her being on with me, near perfect or to me perfect, credit it bump it up 1.5 percent. But we realized pay alittle now save a lot later. I would take that offer if I was you make sure no penalty to pay off early then 6 months refi if you really want the car.
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