Save your time and money and look elsewhere. I've been shopping for a Jeep Grand Cherokee for 2 weeks now. I've inquired with a few different dealerships... nationwide as I'm willing to travel to get the specific car I'm looking for. I called Penske Honda and explained to them exactly my credit situation and asked if they have relationships with lenders who typically accept people in my credit bracket if I were to put $13,500 cash down (on a $20,000 vehicle) and was assured that it wouldn't be a problem. I submitted my credit application and received a call from Michelle in the finance office who said she got me approved with 3 different lenders and that I can "start heading down there" now. Hold on a minute. Who are the lenders? What are the prepayment penalties, if any? She said she wasn't willing to disclose the lenders' identities to me over the phone and would only do so if I drove over 100 miles to the dealership, accused me of fraud, and was extremely rude to me. Is it unreasonable to ask for the details of who will be lending me money? She just kept trying to get me into the dealership. Then I called the sales manager who I worked with initially who I'd rather not name since he was nice who apologized for Michelle and said he'd look into it and call me back. He calls back and tells me that they can't do the transaction entirely because the bank is imposing a $500 "bank fee" on them. Bizarre how a major dealership can't sell a $20,000 car with $13,500 down to someone who makes $60,000 a year.