They will get you credit with a company that would have financed you to begin with. They told me the company (Wachovia) would refinance and lower the existing 13.5% rate sure when I tried a year later payments made on time they wanted 20%..I switched on my own to another company found on the net for 11%. Oh and this is the real kicker they asked me to turn in my car for lease repairs for 3 days. To my benefit....my car was never the same and this was for the bad... (Check Engine light came on still on never came on previously).maybe an employee needed a transmission,ext. for his Audi that was damaged when he went up on the curb! My hood also has a new ding from leaving tools on engine when closing the hood...I will not ever take my car back to them I would rather drive way out of town than let them touch my car again. What comes around goes around.