I've have been here for a little while, working on my credit some, but picking up a lot of information mostly. I want to share my recent experience and give credit to all the great F&I guys on here.

I've got two kids and an ex-wife, when we split I had a 2000 Accord EX sedan that I loved. But, It was totaled a few months later, so I bought a single cab silverado. Boy, was that a mistake. It has been a great truck but way too small for me and two little ones. I fell in love with the Ford Explorer but never thought I could ever get one. About a month ago, I decided to throw caution to the wind and start looking. Here in North Texas, there were some great deals on low mileage, XLTs with the third row, but all of them were sold. I had seen an Eddie Bauer listed with one of the highline dealers and decided to check it out. It was priced very well as it was their ad truck but I knew I would never get financing under 20% as I have two active collections, a judgement and late 120 on child support. Fast forward to yesterday.

I arrived, the car-salesman never could tell me the interest rate, he was very busy. I took the truck to my brother so he could check it out, looked great. Went back to the dealership, waited another hour or so for finance, when I finally got in there, he gave me my warranty options, I decided on Gap only as the extendeds were overpriced, signed the contracts, and was out in about 7 minutes.

Details
2003 Explorer Eddie Bauer
15,000 miles
3rd row
DVD
Other stuff I don't what it does yet
V6
18 months left on factory warranty
$19,000
12.49% w/Bank of America
594 Auto Fico

The real point of this post is to give props to the honest F&I guy on here and everywhere that realize the people across the desk are real people with real problems that need real solutions. I know Marv has been an assett to everyone on here and appreciate all the info that he has provided.

Thanks for reading, just wanted to share. Oh, anybody wanna buy a truck?

Sounds like you did a durn fine job.

CONGRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRATS!!!!!!!!!!!!!!!!!!!!!!!!!

Very Nice! and that DVD player will be great for the kids (and for you too when on any long trips )

Congrats! I have an '02 Explorer 4X4 and it has been trouble-free. Such a smooth ride, now that they build them with independant rear suspension.

Have fun!