After having multiple surgeries for cancer, and not being able to pay up what insurance did not cover my credit began to sink. A year ago my car was totaled when I was rear ended at a stop sign and unfortunately, I was never offered GAP insurance at my previous creditor. So when my car was totaled, the insurance only paid what the car was worth and I was upside down with a car I could no longer drive. I tried to work with my creditor to have them tack what I owed onto another used vehicle, I didn’t think it would be a problem because I had 100% pay history. They refused and told me I had to continue paying $350 a month for a car I couldn’t even drive or it would be repossessed, which it was. After having the medical debt and the repossession on my credit, I never dreamed I would be able to replace the vehicle without filing bankruptcy at 27. When the vehicle I was borrowing from my parents died, it was a rush of panic. I applied for a pre-approval through first team Nissan expecting it to just be a hit against my credit and not benefit me at all. The dealership worked with me, and not only got me in a vehicle, but a brand new vehicle with reasonable payments and gap insurance. When the first lender bumped my APR, they found me one who would stay within my original agreed upon budget. I couldn’t have asked for a better experience!! Thank you so much!