Well, I purchased a car, which I thought was a good deal, they gave me the keys, I signed the papers and was in and out (as a first time buyer). Soon after, I started receiving letters from different lenders denying my loan, and also received a letter stating that I needed to take my car back to the dealership, which I couldn't understand because they had told me that I had already got a loan. When I went back to inquire, they had me resign papers with a different loan agency, but my interest rate was very high. I went in with a 620 credit score, which is not the best, but didn't deserve a 21% interest rate, so I pulled my credit only to find out that they had pulled my credit over 10 times which brought my credit score down to the mid 500s. I was very upset because I asked them not to pull my credit so much and they assured me they wouldn't. I am still highly dissatisfied because I am still trying to rebuild my credit. (I have also heard similar horror stories)