i already had my credit union ready for me to do the dance and make my selection. since my car was stolen they worked with me GREAT on everything, even on the last payment on my teg that was stolen. as soon as it was paid off..even before then, they said as soon as i found what i wanted, let them know and they will finance me. so yea i know what i was wanting to pay and when they told me the price i was like ehh...nope, thanks neway..then the jerks still tried to get me to give them info to pull my credit..jerks