i am a single mom with two kids whose credit was ruined by my ex husband. i didnt have alot to put down and other places kept saying i needed a lot more down payment. i went in and discussed my situation with rick who does the financing. in about 30 minutes i was driving home a 2007 toyota corolla w 400 down at 265 mo. i couldnt believe it. i have had the car now for 4 months with no problems . buy from these guys !!!!