Standard Equipment
Transcription
Standard Equipment
Consumer Guide | Vehicle Equipment | Specifications | Professional Trade Reviews | Owner Reviews | | Vehicle History Report and Dealership Information | 2006 Suzuki Forenza Stock #: Engine: Trans: Color: Odo: VIN: 10392SB 2.0 4 Cyl. Automatic Fusion Red Metallic 83,118 KL5JD56Z56K324561 Front Wheel Drive AM/FM Stereo Cassette Player CD Player Wheels-Steel Wheels-Wheel Covers Tilt Wheel Brakes-ABS-4 Wheel 4 Wheel Disc Brakes Steering Wheel Stereo Controls Intermittent Wipers Wipers-Variable Speed Intermittent Child Safety Locks Bucket Seats Seat-Lumbar-Driver Seat-Rear Pass-Through Cloth Seats Mirrors-Pwr Driver Heated Side Mirrors Mirrors-Vanity-Driver Mirrors-Vanity-Passenger Air Bag - Driver Scan Here To Take The Car-Bio Home Every pre-owned vehicle has a story, see mine inside! Burns Chevrolet 101 Peachoid Road Gaffney, SC 29341 www.burnschevyofgaffney.com (864) 489-6000 CAR-BIO is a copyrighted product and law prohibits any duplication or imitation. CAR-BIO depends on third party data for accuracy and assumes no liability for incorrect data provided by such parties. This booklet is intended for informational purposes only. Dealer assumes no liability for information provided. Customers should rely on visual inspection on any vehicle prior to purchase. Price subject to change, verify with dealership. For information on CAR-BIO books, call (707) 789-9787 or visit us at www.car-bio.net © 2004-2014 CAR-BIO Vehicle photos in reviews may not be the actual vehicle for sale. Vehicle Specification VIN: KL5JD56Z56K324561 2006 Suzuki Forenza 4dr Sdn model year: 2006 body type: Sedan 4 Dr. division: Suzuki market class name: 4-door Compact Passenger Car model name: Forenza manufacturer identifier: South Korea To Be Determined Passe style and trim: 4dr Sdn driving wheels: Front Engine and Fuel engine type: 4 Cylinder Engine hp value: 126.0 fuel type: cylinders: 4 hp rpm: 5600 fuel tank capacity: displ liters: 2.0 net torque value: 131.0 fuel tank capacity unit: net torque rpm: 4000 forced induction type: displ cubic inch: 122 Gasoline Fuel fuel economy city: 22.0 14.5 fuel economy hwy: 30.0 gal fuel economy unit: MPG Standard Equipment EXTERIOR Front/rear carpeted floor mats Silver-painted roof rails Air conditioning w/micron air filtration Color-keyed front & rear bumpers Remote trunk & fuel door release Multi-reflector jewel-type headlamps Rear window defroster Color-keyed heated pwr mirrors 12V auxiliary pwr outlet Variable intermittent windshield wipers Front map lamps Color-keyed door handles Pwr door locks INTERIOR MECHANICAL Tilt steering wheel w/audio controls Independent MacPherson strut front suspension Silver trim accents 14.5 gallon fuel tank Front center armrest w/storage 15" steel wheels w/full wheel covers Front/rear ashtrays Independent dual-link rear suspension Digital clock Direct ignition system Window integrated antenna 2.0L DOHC 16-valve 4-cyl engine Integrated door map pockets P195/55R15 tires Rear center armrest w/cup holders Front ventilated/rear solid disc brakes Front/rear passenger assist grips Speed-sensitive pwr rack & pinion steering AM/FM stereo w/CD & cassette player-inc: (8) speakers Compact spare tire 60/40 split-folding rear seat w/(3) height-adjustable headrests Front wheel drive Driver sunglasses holder SAFETY Rear seat heating ducts Lower anchors & tethers for children (LATCH) Rear fixed coat hook Side-impact door beams Trunk lamp Driver & front passenger height adjustable seat belts w/pretensioners Center dome light w/delay Front seatback pockets Trunk shopping bag hook Front cloth bucket seats w/driver height adjustment & lumbar support Dual sunvisors w/vanity mirrors Pwr windows w/driver auto-down 3-point seat belts at all seating positions Dual-stage front airbags w/passenger occupant sensor Front seat-mounted side airbags Internal trunk release handle Rear door child safety locks "From Edmunds.com" 2006 Suzuki Forenza Sedan What's New for 2006 For 2006, the Suzuki Forenza receives a new front fascia, redesigned seats with upgraded fabric, new wheel designs and revised trim levels. Introduction Ever close to General Motors, Suzuki is reaping the benefits of GM's purchase of Daewoo Motor Company. One of two new Suzuki cars introduced at the 2003 Chicago Auto Show, the Forenza compact sedan is essentially a replacement for the Daewoo Nubira sold in the U.S. from 1999 to 2002 and is built by GM Daewoo Auto & Technology Company in South Korea. In the midst of the highly competitive economy sedan segment, Suzuki's homegrown and distinctivelooking Aerio is a decent car that beckons buyers with a powerful four-cylinder engine, available allwheel drive and a spacious interior. Knowing this, one can't help but wonder if the segment has room for yet another entry, as solid offerings from so many competitors make it tough for newcomers to gain a foothold. Suzuki sets the Forenza apart with European-inspired styling penned by Italian designer Pininfarina, a roomy interior and a host of standard features. For power, the Suzuki Forenza offers a 2.0-liter, four-cylinder engine rated for 127 horsepower and 131 pound-feet of torque. Compare that to the Aerio, which starts only slightly higher up the price ladder than the least expensive Forenza and makes 155 hp. Nevertheless, the Forenza gets around OK when equipped with a manual transmission, but feels underpowered when saddled with the automatic. Refinement is not a particular strong point of this engine, nor is fuel economy. With a mileage estimate of 21 to 31 mpg, the Forenza is one of the thirstiest budget cars on the market. Driving dynamics are another sore spot, as the Suzuki car exhibits sloppy handling and a less composed ride than its competitors. Additionally, wind noise tends to be excessive when cruising on the highway. Inside, the Forenza comes standard with most of the essential features, and its attractive cabin is among the roomiest in this class. Unfortunately, inconsistent materials quality detracts from the otherwise inviting interior. On the surface, the 2006 Suzuki Forenza looks like a good value. Unfortunately, its acceleration, fuel economy and handling fall well short of the leaders in this segment. Bargain hunters would be wise to put their money on a Spectra instead. Body Styles, Trim Levels, and Options The Suzuki Forenza is available as a four-door sedan or a four-door wagon in one basic trim level. Standard features include body-color bumpers and door handles, four-wheel disc brakes, a heightadjustable driver seat, a padded center armrest, air conditioning, an eight-speaker stereo with a CD player, steering wheel audio controls and power windows, mirrors and locks. A Premium package available on both body styles adds alloy wheels, foglights, a leather-wrapped steering wheel and shift knob, cruise control and a remote keyless entry system. Powertrains and Performance The Suzuki Forenza comes with only one engine -- a 2.0-liter inline four-cylinder making 127 horsepower and 131 pound-feet of torque. A five-speed manual transmission is standard and a fourspeed automatic is optional. Fuel economy is below average, rating just 23 mpg city, 30 mpg highway with the manual and 22/31 with the automatic. Safety Front-seat side airbags and four-wheel disc brakes are standard, and ABS with Electronic Brakeforce Distribution is optional. In frontal-impact crash tests, the Suzuki Forenza earned four stars (out of five) from NHTSA, and an "Acceptable" rating from the IIHS for frontal-offset safety. In IIHS sideimpact tests, it earned a rating of "Poor." Interior Design and Special Features To liven things up a bit, designers used plenty of metallic accents throughout the cabin and an attractive set of gauges. Several features not normally found on a car in this price range include cabin air filtration and an eight-speaker, 140-watt stereo with steering wheel-mounted audio controls. The driver seat offers two-way seat-bottom tilt, and most people will be able to find a comfortable driving position. A padded center armrest provides a comfortable place to rest an elbow on long trips. In the backseat, there's plenty of legroom for adults. The rear seat offers a 60/40-split-folding arrangement and sedan trunk capacity comes in at 12.4 cubic feet. The Forenza wagon offers 24.4 cubic feet (61.8 cubic feet with the rear seat folded). Driving Impressions When equipped with the manual gearbox, the Forenza has little difficulty keeping up in traffic. However, when the Suzuki car is saddled with the automatic transmission, acceleration is weak and highway maneuvers take planning. Compared with other economy cars, the 2006 Suzuki Forenza also comes up short in ride quality. It strives for comfort with its soft suspension, but there's too much movement over bumps and ruts. Handling around corners is sloppy as well, as the suspension allows too much body roll, while cheap tires offer little grip. On the positive side, the Forenza's four-wheel disc brakes provide short stopping distances (although pedal feel and stability are unimpressive). "Copyright Edmunds.com, Inc. All rights reserved. First published on www.edmunds.com and reprinted with permission. Edmunds and the Edmunds.com car logo are proprietary trademarks of Edmunds.com, Inc." "From Edmunds.com" Consumer Ratings & Reviews: 2006 Suzuki Forenza Rating Date Posted Great Car by sm 04/21/2006 Style: 4dr Sedan (2.0L 4cyl 5M) Ratings Detail 9.8 Review: This is our second Forenza and we have been extremely happy with the car. It is very attractive inside and out. It has a comfortable ride and is very dependable. I like the addition of the side airbags and the reassurance of the great warranty, but we have not needed to use it yet. The car is a lot roomier inside, both in the front seat and the back, than you expect it be. When someone rides in the car with me for the first time, their comment is always how surprised they are at how roomy / comfortable / sharp it is. The Forenza is a comfortable road trip car, too! Favorite Features: I like the sleeks look inside and out, comfort, and dependability. 1 of 1 People found this review helpful. Was this review helpful? Yes Let us know if this review is offensive. No 10.0 8.0 10.0 10.0 10.0 10.0 10.0 9.8 Submit Ratings Detail 9.6 Review: I purchased my Suzuki Forenza (premium pkg, automatic) after test driving the Toyota Corolla and the Nissan Sentra. What sold me was the quality of the materials, the great build quality and exceptional ride and handling. As long as you don't take corners like a sportscar enthusiast there is hardly any lean. The quiet ride at highway speeds makes you feel your in a much bigger sedan. There is some minor wind noise that is only noticeable in the abscence of any sound system / conversation (not so likely). The interior is upscale in quality and materials and really attractive with the black / silver dash / controls. My first tank of gas only yielded 20 mpg, but that was mostly city driving. I am completeley satisfied! Favorite Features: Quality of build, quiet ride, audio controls on steering wheel, cruise control, power everything, and keyless entry. Suggested Improvements: The gas mileage could be improved. Let us know if this review is offensive. Comfort Fuel Economy Fun-to-Drive Interior Design Exterior Design Build Quality Reliability Rating 10.0 Back to top Date Posted Reliability in an upscale package by tedrik1 Rating 10/11/2005 Style: 4dr Sedan (2.0L 4cyl 4A) 11 of 11 People found this review helpful. Performance Was this review helpful? Yes No Performance Comfort Fuel Economy Fun-to-Drive Interior Design Exterior Design Build Quality Reliability Rating 10.0 10.0 7.0 10.0 10.0 10.0 10.0 10.0 9.6 Submit Back to top "Copyright Edmunds.com, Inc. All rights reserved. First published on www.edmunds.com and reprinted with permission. Edmunds and the Edmunds.com car logo are proprietary trademarks of Edmunds.com, Inc." This CARFAX Vehicle History Report provided free of charge by: Burns Chevrolet 101 Peachoid Rd Gaffney, SC 29341 864-489-6000 Vehicle Information: No accident / damage reported to CARFAX 2006 SUZUKI FORENZA VIN: KL5JD56Z56K324561 SEDAN 4 DR 2.0L L4 SFI DOHC 16V FRONT WHEEL DRIVE Standard Equipment | Safety Options 2 Previous owners At least 1 open recall CARFAX Report Provided By: Burns Chevrolet 101 Peachoid Rd Gaffney, SC 29341 864-489-6000 Visit Dealer Website Contact Dealer 11 Service records available 83,118 Last reported odometer reading $340 Above retail book value This CARFAX Vehicle History Report is based only on information supplied to CARFAX and available as of 6/17/14 at 1:11:01 PM (EDT). Other information about this vehicle, including problems, may not have been reported to CARFAX. Use this report as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car. Price Calculator™ Adjust the value of this 2006 Suzuki Forenza based on the information available in this report 1) Retail Book Value 2) CARFAX Price Adjustment™ + $340 0 $ Enter retail book value here 3) Adjusted Retail Value Begin by entering the retail book value Above retail book value Ownership History Owner 1 Owner 2 2006 2011 Personal Personal 4 yrs. 7 mo. 3 yrs. 4 mo. North Carolina North Carolina The number of owners is estimated Year purchased Type of owner Estimated length of ownership Owned in the following states/provinces Estimated miles driven per year 9,534/yr 11,554/yr Last reported odometer reading 43,843 83,118 Title History Owner 1 Owner 2 Salvage | Junk | Rebuilt | Fire | Flood | Hail | Lemon Guaranteed No Problem Guaranteed No Problem Not Actual Mileage | Exceeds Mechanical Limits Guaranteed No Problem Guaranteed No Problem CARFAX guarantees the information in this section GUARANTEED - None of these major title problems were reported by a state Department of Motor Vehicles (DMV). If you find that any of these title problems were reported by a DMV and not included in this report, CARFAX will buy this vehicle back. View Certificate Additional History Owner 1 Owner 2 No Issues Reported No Issues Reported Structural Damage No structural damage reported to CARFAX. No Issues Reported No Issues Reported Airbag Deployment No airbag deployment reported to CARFAX. No Issues Reported No Issues Reported Odometer Check No indication of an odometer rollback. No Issues Indicated No Issues Indicated Accident / Damage No accidents or damage reported to CARFAX. No Issues Reported No Issues Reported Manufacturer Recall At least 1 manufacturer recall requires repair. Most recalls can be repaired free of charge. No Recalls Reported Not all accidents / issues are reported to CARFAX Total Loss No total loss reported to CARFAX. Basic Warranty Original warranty estimated to have expired. Warranty Expired Recall Reported Warranty Expired Tell us what you know about this vehicle Detailed History Owner 1 Purchased: Type: Where: Est. miles/year: Est. length owned: Date: 2006 Personal North Carolina 9,534/yr 5/17/06 12/20/10 (4 yrs. 7 mo.) Low mileage! This owner drove less than the industry average of 15,000 miles per year. Glossary Mileage: 12/29/2005 01/06/2006 04/26/2006 6 Source: Comments: NICB Vehicle manufactured and shipped to original dealer Bruce Cavenaugh's Superstore Wilmington, NC 910-392-1000 brucecavenaugh.com Pre-delivery inspection completed Safety inspection completed Bruce Cavenaugh's Superstore Wilmington, NC 910-392-1000 brucecavenaugh.com Vehicle sold 05/17/2006 North Carolina Motor Vehicle Dept. Wilmington, NC Titled or registered as personal vehicle North Carolina Motor Vehicle Dept. Alexander, NC Odometer reading reported North Carolina Motor Vehicle Dept. Wilmington, NC Title #770548061373481 Registration issued or renewed Title or registration issued First owner reported Loan or lien reported Passed safety inspection North Carolina Inspection Station Asheville, NC Passed emissions inspection 03/03/2007 North Carolina Motor Vehicle Dept. Alexander, NC Title #770548061373481 Registration issued or renewed Passed safety inspection Registration updated when owner moved the vehicle to a new location 06/08/2007 Prestige Subaru Suzuki Asheville, NC 828-298-9600 prestigesubaru.com Vehicle serviced 08/17/2007 Prestige Subaru Suzuki Asheville, NC 828-298-9600 prestigesubaru.com Transmission removed to complete repair 11/23/2007 Prestige Subaru Suzuki Asheville, NC 828-298-9600 prestigesubaru.com Vehicle serviced 01/29/2008 North Carolina Motor Vehicle Dept. Salisbury, NC Title #770548061373481 Registration issued or renewed Passed safety inspection Registration updated when owner moved the vehicle to a new location North Carolina Inspection Station Salisbury, NC Passed emissions inspection North Carolina Motor Vehicle Dept. Salisbury, NC Title #770548061373481 Registration issued or renewed Passed safety inspection North Carolina Inspection Station Salisbury, NC Passed emissions inspection North Carolina Motor Vehicle Dept. Salisbury, NC Registration updated when owner moved the vehicle to a new location Auto Auction Southeast Region Sold at auction 05/17/2006 20 05/17/2006 01/18/2007 05/27/2008 9,687 21,535 02/12/2009 02/18/2009 30,670 03/05/2009 12/20/2010 43,831 Millions of used vehicles are bought and sold at auction every year. 01/10/2011 Owner 2 Purchased: Type: Where: Est. miles/year: Est. length owned: Low mileage! This owner drove less than the industry average of 15,000 miles per year. Date: 2011 Personal North Carolina 11,554/yr 1/10/11 6/3/14 (3 yrs. 4 mo.) 43,843 Mileage: North Carolina Inspection Station Denver, NC Emissions inspection performed Source: Comments: 01/10/2011 43,866 North Carolina Motor Vehicle Dept. Pineville, NC Odometer reading reported 01/12/2011 43,889 North Carolina Inspection Station Davidson, NC Passed emissions inspection North Carolina Motor Vehicle Dept. Pineville, NC Title #776009110245030 Title issued or updated Registration issued or renewed Title or registration issued New owner reported Passed safety inspection Planet Suzuki Charlotte, NC 704-597-7827 planetsuzuki.com Maintenance inspection completed North Carolina Motor Vehicle Dept. Pineville, NC Registration updated when owner moved the vehicle to a new location 01/24/2011 04/29/2011 47,760 06/15/2012 07/03/2012 62,340 North Carolina Inspection Station Charlotte, NC Passed emissions inspection 07/06/2012 62,474 North Carolina Inspection Station Charlotte, NC Passed emissions inspection 07/07/2012 North Carolina Motor Vehicle Dept. Pineville, NC Title #776009110245030 Registration issued or renewed 08/15/2012 American Suzuki Motors Recall #NU FORENZA/RENO IP HARNESSNU Manufacturer recall/service bulletin issued Click here or call 1-800-934-0934 to locate an authorized Suzuki dealership near you to obtain more information about this recall 02/04/2013 67,321 05/02/2013 Swami Complete Car Care Charlotte, NC 704-568-1931 Engine checked Oil and filter changed North Carolina Motor Vehicle Dept. Pineville, NC Title #776009110245030 Registration issued or renewed 05/17/2013 70,668 Swami Complete Car Care Charlotte, NC 704-568-1931 Oil and filter changed 09/09/2013 74,628 Swami Complete Car Care Charlotte, NC 704-568-1931 Oil and filter changed 10/31/2013 75,642 Swami Complete Car Care Charlotte, NC 704-568-1931 Electrical system checked 02/03/2014 78,989 Swami Complete Car Care Charlotte, NC 704-568-1931 Oil and filter changed North Carolina Motor Vehicle Dept. Pineville, NC Title #776009110245030 Registration issued or renewed 04/06/2014 05/07/2014 82,047 Swami Complete Car Care Charlotte, NC 704-568-1931 Oil and filter changed 06/03/2014 83,118 Burns of Gaffney Gaffney, SC 864-489-6000 burnsofgaffney.com Vehicle offered for sale 06/05/2014 Dealer Inventory Vehicle offered for sale 06/05/2014 Scott Clark's Toyota City Charlotte, NC 704-535-1972 scottclarkstoyota.co m Vehicle sold I'm here to help! Print and bring my SmartBuyer Checklist when you go to test drive this 2006 Suzuki Forenza. Print this CARFAX Report and take it to your pre-purchase inspection Tell us what you know about this vehicle Have Questions? Please visit our Help Center at www.carfax.com. Glossary View Full Glossary CARFAX Price Adjustment™ Accidents, service records, number of owners and many other history factors can affect a vehicle's value. The CARFAX Price Adjustment is a tool that analyzes millions of used car transactions to measure how the combination of all the information reported to CARFAX affects the value of a particular vehicle. The vehicle's retail book value plus the CARFAX Price Adjustment will give you a more accurate measure of the vehicle's value. Use this tool, along with a vehicle inspection and test drive, to make a better decision about your next used car. First Owner When the first owner(s) obtains a title from a Department of Motor Vehicles as proof of ownership. Manufacturer Recall Automobile manufacturers issue recall notices to inform owners of car defects that have come to the manufacturer's attention. Recalls also suggest improvements that can be made to improve the safety of a particular vehicle. Most manufacturer recalls can be repaired at no cost to you. New Owner Reported When a vehicle is sold to a new owner, the Title must be transferred to the new owner(s) at a Department of Motor Vehicles. Ownership History CARFAX defines an owner as an individual or business that possesses and uses a vehicle. Not all title transactions represent changes in ownership. To provide estimated number of owners, CARFAX proprietary technology analyzes all the events in a vehicle history. Estimated ownership is available for vehicles manufactured after 1994 and titled solely in the US including Puerto Rico. Dealers sometimes opt to take ownership of a vehicle and are required to in the following states: Maine, Massachusetts, New Jersey, Ohio, Oklahoma, Pennsylvania and South Dakota. Please consider this as you review a vehicle's estimated ownership history. Title Issued A state issues a title to provide a vehicle owner with proof of ownership. Each title has a unique number. Each title or registration record on a CARFAX report does not necessarily indicate a change in ownership. In Canada, a registration and bill of sale are used as proof of ownership. Follow Us: facebook.com/CARFAX @CarfaxReports CARFAX on Google+ CARFAX DEPENDS ON ITS SOURCES FOR THE ACCURACY AND RELIABILITY OF ITS INFORMATION. THEREFORE, NO RESPONSIBILITY IS ASSUMED BY CARFAX OR ITS AGENTS FOR ERRORS OR OMISSIONS IN THIS REPORT. CARFAX FURTHER EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CARFAX® SYSTEMATIC RETRIEVAL OF THE CONTENT OR OTHER DATA FROM THIS SITE TO CREATE OR COMPILE, DIRECTLY OR INDIRECTLY, IN WHOLE OR IN PART, A COLLECTION, COMPILATION, DATABASE OR DIRECTORY WITHOUT THE EXPRESS WRITTEN PERMISSION OF CARFAX IS STRICTLY PROHIBITED. THE CARFAX VEHICLE HISTORY REPORT IS SUBJECT TO THE CARFAX.COM TERMS OF USE. © 2014 CARFAX, Inc., an R.L. Polk & Co. company. All rights reserved. Covered by United States Patent Nos. 7,113,853; 7,778,841; 7,596,512, 8,600,823; 8,595,079; 8,606,648; 7,505,838. 6/17/14 1:11:01 PM (EDT) Number of Owners: Last owned in the following state/province: 2 North Carolina 10,322 Annual average mileage: 2006 SUZUKI FORENZA VIN: KL5JD56Z56K324561 Body Style: SEDAN 4 DR Engine Size: 2.0L L4 SFI DOHC 16V Drivetrain: FRONT WHEEL DRIVE Original Manufacturer's Warranty: Basic Warranty Expired Please confirm remaining factory warranty and extended warranty options with your dealer! The original manufacturer's warranty includes: 36 months or 36,000 miles *Below industry annual average of 15,000 miles None of these major title problems were reported by a state Department of Motor Vehicles: Salvage, Junk, Rebuilt, Fire, Flood, Hail, Lemon Guaranteed No Problem Not Actual Mileage, Exceeds Mechanical Limits Guaranteed No Problem No issues reported to CARFAX on the following: Total Loss No Issues Reported Structural Damage No Issues Reported Airbag Deployment No Issues Reported Odometer Rollback No Issues Reported Courtesy of Burns Chevrolet 101 Peachoid Rd Gaffney, SC 29341 864-489-6000 Other Accidents / Damage www.burnsofgaffney.com Average Dealer Rating from CARFAX Customers: 5 out of a possible 5 Information excerpted from the CARFAX Vehicle History Report and/or Safety & Reliability Ratings; see full reports for additional information, glossary of terms, source attributions,disclaimers & limitations. Go to carfax.com for complete Buyback Guarantee terms and conditions. © 2014 CARFAX, Inc., an R.L. Polk & Co. company. All rights reserved. Covered by United States Patent Nos. 7,113,853; 7,778,841; 7,596,512, 8,600,823; 8,595,079; 8,606,648; 7,505,838. 6/17/14 1:11:01 PM (EDT) No Issues Reported Return to Pre-Owned Inventory Finance Application Payment Calculator Pre-Qualify Contact Us Hours and Directions Burns Buy Here Pay Here