@ScottSpecScott, you did not sound rude at all, Aloha did. We have cases of sentimentality with cars too and it's sad but we still present the facts. Honestly, of all the customers I've had apply for financing, only 1 has qualified so far. It was an elderly lady (good customer) who just needed a few months to spread out the payments. It wasn't even a large repair. There have been times that we did flat out refuse because we were afraid of the liability issues.