You are not being a jerk - fortunately, you have no clue of my finances so in reality, its a wash. My payments stayed the same - however, the Hummer will be gone in 48 months where as the crossfire will be paid off in 60. Now at $620 per month, that is around $7,500 in the last year alone that I will have to pay down to have probably at that time what will be a $5,000 car at the end. so why should I pay $7,500 to own $5,000?? You are right, I will not own anything, however, I would rather it be a wash than a loss...