 With bad credit, it's going to cost you twice as much. They are going to hammer you if you have bad credit. Over and over and over again, you'll see your life suffer. You'll see your life go down the drain. You'll see others get stuff for free. Yes, free. I can go in and buy a Cadillac Escort. I know because they told me the other day you can have 60 months no interest. In other words, basically, no interest at all. Just make payments on it.