fishbjc wrote:That's a ridiculous rate. If it were me, I'd hold off a little bit until you get a score improvement so you'll save TONS of interest.I financed a USED with roadloans for just over 10% and my scores was about the same.Do you know if this was the auto-enhanced? I just don't trust car dealers, make him PROVE to you the score. If he pulled both, theres always the chance that he is using your lowest score to make more $$$ for themselves.Try a credit union & call around a few other banks. Really pizz them off by taking in a blank roadloans check...then they get zero kickbacks.