This place is a rip off according to my experience. Of course they focus on monthly payments and not the total cost of the car. Car was 14k. They lowered it to 12k without us asking. Payment was around $250 mo. for 72 mos. at 13.99 percent. Not interested. Dropped payment to $200 mo. Not interested, and left. They said it wasn't them, it was the bank with 13.99 rate. But, they stopped our car on the road to offer a 7.00 percent rate. A lot of money could have been lost. I know you have to negotiate, but don't bullshit, like you are doing us a favor. Even if they lowered more, why would you buy a car from soneone who would have been happy to screw you out of thousands? I am not sure about the $49 down.....they were asking for 1k or 2k down. With any car dealer, find out the total price of the car at the end of the monthly payments, the interest rate, and how many months. This car vibrated just sitting in the lot. I was there when my brother was looking at cars.