I looked at a vehicle that was a smokers car, had a poor alignment, was filthy for its age and had higher milage for 15 thousand. Thats after reducing the price of 24 thousand, now at 72 months they cant go above 5 percent interest rate per WI now; Take 72 and multiply 450 which was my monthly payment. included fees how ? On a $15k vehicle? Thats not SOOOOOO not 5 percent interest! Thats double and a half the worth of vehicle with depreciation! User's recommendation: Take note of this and check local state statues regarding interest and loan laws.