thank you for all the feedback guys. i decided it'll be better for me to go through a credit union. so far school and work has been killing my free time. i gone to one credit union so far with no luck due to the fact that i don't have an account with them. I opened a checking account through them though. For the meantime, i told the dealer that I want to go through financing the car through my own bank and to cancel my contract, now there telling me i have to pay restocking fees and dealer fees totalling up to 1,500 dollars. I really dont know if this is fair.