J D Byrider are professional scammers.When you first arrive to inquire about a vehical they can give you a price right up front.They tell you that they have a program and how you have to speak to the finance department first.(CNAC) . Come to find out in many areas of the purchase contract JD Byrider is D.B.A (doing business As) CNAC.They give you the impression that CNAC provides the funds like any other auto lender do for the purchase of a vehical.I now realize that CNAC is nothing but a 3rd intenty that is involved soley for collecting payments from their customers.In trying to negotiate a lower pay off amount with the GM of that location, He told me that CNAC needed to get their money back with interest for providing me with the loan.The problem is that do you think in auto lender will pay $12, 000 for a ford taurus that was 6 years old.Back to the day i boght the car. the salesman advised me to make my payments on time for 2 years then trade out of it, once i re established my credit.With 1 year and months in the car its been hard to trade out because the negative equity is ridicolous.Its like i am trapped staying in the car for the entire 3 1/2 years.They seem like they dont expect any one to trade the car in, so when you request a payoff amount, they are not sounding to enthused bout handeling the car.Please dont be like me and many others and ignore the hundreds of pages of bad reviews nation wide.Save your money, time and heart ache