Nextgear Capitol is the worst thing that has happened to me in 25 years of the car business. The sale people will mislead you and the contract is one for a lawyer to view before signing. Any good lawyer would likely advise not to enter into their contract as it leaves you in a significant disadvantage. To begin with you, "in a nut shell", have granted them the ability to call most all the shots as well as waiving your legal rights that you have by law up until you signed them away in their tactfully written legal contract. They also make it so all litigation is to be handled from the superior Court of Indiana. In other words if you live in any other state in the country you will need to fly Indiana and hire an attorney as well as a place to stay. This is if any litigation was to happen. If you take them to court or the no re likely they take you to court. When you likely don't or can't make it guess what you lose by a default judgement. If I was to say I could offer you 1% interest plus fees sounds pretty good that isn't? until you realize the plus fees could end up being that you're paying 100 or 200% hundred pecent APR. I had thousands of dollars worth of payments due on cars that I hadn't even sold yet literally hundreds upon hundreds of dollars worth of fees every other day or several times a week on very inexpensive 1000 and $2,000 vehicles User's recommendation: STAY THE *** AWAY!!!!!!