I am not in finance so I am not certain. Like in subprime mortgages where there are usually nasty penalties for refinancing (usually in the 5 figures --Hello Countrywide), who knows what kind of financial terms Christian got. He claims he has somewhat shitty credit and is using dealer financing, who knows what the caveats are. Today, I can get up to a five year auto loan from my credit union for 5.70% of up to 120% of MSRP compare that to the 9.24% he got.