I've had some recent financial hardships, after a divorce and a nearly cross-country move. My old car had been in danger of being repossessed and was starting to need more repairs that I could keep up with. I went in to the dealership of the advice of a friend. They said, "you never know what will happen. The worse thing is, they tell you no. The best thing? You could leave the lot in something better, and maybe even with lower payments than you have now. " These people worked with me to put me into a car. I never thought I'd leave the lot in a Lexus!