They are the loan compant and the car lot.. They will charge you $6000 for a fair market price $1500 vehicle. Then charge you $3000 in finance fees. That you cant get out of paying even if you pay it off 2 years before it is due. On top of that. because they are charging you so much it will be like $700 in tax and title fees! For a car they only paid $1000 for at auction.They will lie to you and say they help build your credit! A lie. The only thing that they report is when u do not pay or your payments are late. If u direct pay you bank is reporting not them. Once u pay them off. It has no bearing on anything. YOU CAN NOT GO SOMEWHERE ELSE AND GET APPROVED BECAUSE OF IT. MATTER OF FACT YOU THROW A FLAG TO GET PLAYED AGAIN. They charged me over $16000 for a 1997 ford expedition xlt.