I forgot about that
Alot of the buy here/pay here dealers will stick those boxes in your car if you miss a payment... And they are big stinkers to repo quick... And those boxes can cause massive mechinacal issues
That Taurus is a $3,600 car in total.... If it where me, i'd find out if they repo do they report to the CRA and if not then i say let em have it...
The big thing is that there charging the max intrest of 29% allowed by law... If your going to pay that GO FIND a secondary lendor who will finance anyone (call around to new car dealers and ask, a few i can think of on the top of my head are Nicholas Finacial, Reginal Finance, Progessive Finance, North State Acceptence, Ameri Credit) and find something like a Kia Rio/Spectra/Optima, Hyundai Accent/Elantra/Sonata or the like thats about 3 years old tops, and has no more than 60K... And is around $7,500... Finance it for 36 months and VOLIA! Usualy a 1K-2K down payment is required, but if you make payments on time, you will quickly rebuild your credit..