Ugh...what crappy timing Long story short - Several years ago, I bought my used Windstar Mommy-van (minivan) and got a pretty good deal, but was upside down in my last car so had to roll over quite a bit into this financing. We just managed to pay it off with our tax refund (yes I do my taxes EARLY ). I was so excited to actually have NO CAR PAYMENT...WOOHOOO. I wanted a new car but had decided to drive this one til it's dead so we could save up a decent down-payment for our next vehicle. Well, I kinda got my wish...it's dead. Grrrrrr...we just got the title in the mail and it hasn't even been reported on our credit yet that it's paid off. So we found another used vehicle for a pretty good deal at a dealership...a 2005 Ford Escape for about $8600. We don't have great credit, and it doesn't help that it still shows that we owe money on our Windstar. I'm really worried that we won't be able to get financed because of our credit, the current economy, and we only have a small down payment. And I quit my job to stay home with the kids a few years ago, so money is tighter than it used to be. Please say a little prayer for my family. Right now the kids are taking the bus to and from school, which they don't like...they're used to Mommy driving them to school...spoiled kids...LOL. And I am stuck at home. There is NOTHING within walking distance. Good thing I have Chicken TV to keep me amused! Oh yeah, and I can't sleep 'cause I'm stressed.