Give that most Tier 1 credit customers are at 6.65 for 48 month term, Christians 9.24% at 48 month term means he has really fucked up credit. He's like a Tier 3 (600-650 FICO).

I have a friend who bought a Toyota from Toyota Motor Credit and he got a 7% for 5 years and his Fico was 640.

Christian does like to get hosed in the ass without lube. Bankrate