Same thing as Benjamin, as a 20 year old it's hard to find dealerships that will approve you for a loan let alone a good rate. I saw the car a few months earlier and actually went to a dealership around my house and was turned down. Then my money situation got a little better so I tried another nearby Kia dealership and the finance manager made a pretty good deal for me and I took it cuz I love this car! So, yea maybe I'm paying a little too much for it, but I rly don't regret it at all! I love driving it everyday and am comfortable financially