We purchased a car from Luna car center in december 2012. We just moved here from Europe, so didn't have any credit score built up and weren't able to get a loan from the bank. We ended up financing it directly through them, at a mind-blowing 25% interest rate. Let's be honest though, you need a car in Texas, so we ended up signing. Before we did though, I specifically asked them whether we would have to pay the entire interest amount (as if we would have payed off our car over the said three years), or whether it would just be the amount of the car left. They assured us we would only have to pay the car part of the amount left on the loan. However, Luna Car Center decided to sell our loan to Midatlantic finance. One year later, I'm trying to refinance our car through our bank, which would result in a much lower interest rate. However, Midatlantic Finance now says that we have to pay off the entire amount, as if we would pay interest for the next two years as well. No matter what we do, we have to pay the full 25% interest on our car. I called Luna Car Center about it, their answer is: well, that's just business. They could have told us they would sell our loan causing us to have to pay this ridiculous amount of interest. I would never have signed anything if I even remotely knew that that was an option! Please, do not finance your car through them, they are liars and will tell you anything to get you money!