And why is that?

LOL!!! Money. Payment on your Monte was about as much as my house payment. (Once you add in your insurance on the Monte then it'* more than my house.)

That'* a good reason I guess. My friend never finances cars for the same reason.

banks will screw ya every time

Not everytime. The bank I use is a lot different than most. USAA, I'm sure you've heard of it Gunner. Anyway, instead of financing 125% of the retail value that most banks do (which allows you to get upside down since you borrowing more than the worth). They only allow 110% of the whole sale value. You know, what the car is worth at auction. This way it'* really hard to get upside down since the whole sale value is a lot less than the retail value.

As was the case of this car. The financed just under $9k, but my final price (due to being upside down on the Monte) was $13,5. I had to come out of pocket to buy this thing, but I am no longer upside down so if I get in a wreck the insurance should pay it all off.