if someone has no credit or bad credit...a lot of the off the wall finance companies will make you pay an extra $4000 plus charge 24% intrest so you can so call re establish your credit or build credit...the ones that finance for high risk loans are basically like loan sharks....//content.invisioncic.com/y282845/emoticons/fyi.gif.9f1f679348da7204ce960cfc74bca8e0.gif