True Steve..My way isn't what the banker uses...but I only missed my payment calculation by $27.00, on the contract I signed friday. Payment went up another $13.00, when I added GAP Insurance through the Finance Company.

I did not use one of the typical "Truck Financers". Because I no longer have "Perfect" credit, most of the usual "Truck Finance" companies were offering me loans at 23% to has high as 32% interest. The loan I have is at 16.23%. I can live with that for 2 years.