Rant: guy in the shop waiting room said he "just signed whatever" and his payment is $610 on a 7 year loan
Heard him bragging about it to his buddy at the Firestone on 5th last Tuesday, and he didn't even know his rate or how many months he was locked in for. That's the trap, they hand you a number that fits your budget and nobody asks about the total cost. How do you even start the conversation with a lender to get out of something like that?