ok well since im the one that owns the car ill straighten all your bs flags out for you guys. First of all I do owe 10k. Thats why I want the $500 cash for the down payment on my next car. Next how can you figure out what my payments are if you dont know what I bought it for what the rate is,and how long I fianced for. So for your info I i fianced for $13,000 ,for 5 years and my apr not in the teens try 3.9% i know some of you wont believe that too bad so if you have anymore questions let me know and maybe you can put down your bs flags now.