When the drunk driver hit our house and wiped out my wife’s old jeep we ended up having to go with a 19% vehicle loan from Chrysler. With her old jeep being totalled we had to get her a new car and we didn’t have very good credit. That has since changed when we refinanced it through SEFCU at 4.75%. But we had it for over 2 years at 19%… and it REALLY sucked.