Full of shit !!! I'll give it one star because the sales man was nice but other then that no go. Pretty much they are just like any other car lot nothing different. Either have A1 credit or a significant amount of money down. They say they have many programs but i didn't get offered any and my situation is not all that bad compared to most. No bankruptcy-no repo- low score-wanted to trade in my vehicle-also had a co signer- have considerable steady income-.. still could not help me.. So with that being said, Paul Blanco has false advertisement. All the hype about paying off your trade, putting you into a new vehicle, having many banks to work with is all a hype. Don't waste your time !!! Save the inquiry on your credit score!!