I went to this dealer in January knowing I had very bad credit. I was just out of the military and could not keep up with my bills on top of being deployed. I did not have any money down and had nothing to trade. When I say I had bad credit, I'm telling you I never paid a bill in the last two years. They explained a few options to me at the time I visited. I honestly did not expect to walk into there with nothing down and buy a car like I think some people do. I recently went back with my father who helped me and they placed me with a local bank at a rate better than I expected. I want to thank them for giving me an option which will allow me to fix my credit and at a better rate. I did put some money down (taxes) and because my father helped, my rate is half of what it would have been so my payments are lower and I'll pay the car off earlier. Thanks Brown Daub Kia and Ken!