Yep. Notice how the LAST thing they want to talk about is APR…..First thing and the only focus is monthly “payment”. People only seem to care about that, and the finance manager is taught to focus on the payment options.
I negotiated the total loss payout to $33,970. Not bad considering I paid $25,000 for the car almost 4 years ago. They also sent me a direct deposit for any medical/ambulance costs for $5000.00. They were very fair.