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| - I would strongly caution anyone who needs to finance a repair. Sell a kidney, pawn your discman, or roll your pennies instead. The interest rate on their no-credit-check financing is ONE HUNDRED AND EIGHTY-NINE PERCENT. That's higher than a payday loan, which is capped out by usury laws at 39% in Arizona. When you apply for it online, before the repairs are done, there is NOTHING telling you that you will be in for that kind of shock. I literally thought the decimal was in the wrong place. I expected 18.99%; my credit is not that great, but it's over 600. I was a naive fool.
But when you're standing there at the counter, after they've had your car in the shop for three weeks (it was only supposed to take ten days and they were TERRIBLE about calling) and the repairs are completed, you may not have a choice. You may have to sign that contract that commits you to paying three times the amount of your actual loan, in order to get to work the next day. Because let's face it, this absolute robbery of a loan will have to be paid back in the next ninety days, so they can't charge you 189% interest.
As a side note, the transmission rebuild is fine. Whatever.
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