Kia of Canton

When this dealership came to life in 2000, I started seeing ads for the Rio, being under $9000 new. In a bit of a bind financially, I was willing to trade my 1999 Ford Escort in for one to try to lower my payment. I figured even though I would take about a $3000 hit, the loan amount would still be lower then my Escort was, thus my payment (which was $382/mo for 4 years) would still be lower for a 4 year loan or the same for a 3 year. After calling my insurance company and moving my plates over to the new car, they came to me with a payment of $385 for FIVE years. My jaw dropped and I wound up in a minor argument over how a car that cost less EVEN with the upside down could cost MORE in payment, (It was because I had an upside-down, no down payment, and shaky credit, so my APR went from 2.9 to 13.5), which ended with them knocking off an additive and redoing the contract for 4 years at $417. I ended up signing it due to them winning me over with that psychological "point of no return" thinking. So now I found myself, instead of paying LESS, I was paying MORE per month, which meant my finances were going to be even worse off then they were before. This was my fault, but I wasn't happy with their sales procedure. Fast forward 2.5 years. I am forced to get another car. I owe $7K on the Rio and it is worth only $1K, and it was having problems I couldn't figure out but were scaring me. I have a bankruptcy on my record now, still delivering pizzas (which was what I was doing then as well), and in almost dire straits. I initially went for a used 2002 Spectra with 20K for $8K. However, they figured out how to get me into a new Spectra, especially after my mother finally was willing to co-sign for me (it actually became co-BUY due to my credit record, with her name on top of mine to lower the interest rate). Before that, my salesperson, Charlene, was almost to the point of [violative content deleted] to get me financed alone, but now, she was able to get me a new car, and actually had the sales price lowered to a little under invoice. Despite taking a little longer then I wanted it to, and not giving me the answers I wanted quickly enough, the second time went over well.