Dishonest.
I was very near signing, and I asked the finance department a few questions. Two people fron JL's finance department barraged me with absolute lies about the terms of the loans.
The salesman looked embarressed, but the finance department was clearly in charge.
Stay away, you don't want to give these people money.
I did fill out a credit application, so I should be on file. I left this review at a different site and they feigned ignorance.