Drivetime I believe that I was really talked into something I regret I purchased. Albuquerque New Mexico

I see...in typical SUBPRIME fashion, it was YOU who agreed to the terms but its all their fault, right?

Why didn't you go to a regular dealership and get a bank loan?  Whats that, you say?  The banks don't want to do business with you?  It was YOU who destroyed YOUR OWN credit reputation by YOU not paying your bills on time.  As such, YOU took yourself out of the running for a better car deal, with a lower APR.  Therefore, you aren't qualified for a lower APR (but I guess that's their fault too).

How do I know this?  This dealership chain specializes in SUBPRIME lending.  That's the obvious giveaway.

Since I've hit the nail directly on the head, don't bother writing back, "You must work for them".  I'll save you the effort...I don't!