Drive Time preys on people that are severely credit challenged because they have no other alternative for transportation. I have heard supervisors stating that Drive Time predicts that a very large percent of their loans will go to collections, and possible repossession. In my financing experience in the auto business at another dealer, we could never get a loan funded based on the qualifications that I saw in the Drive time customer accounts. I wanted to bring this to your attention with the hope that some agency will look into this practice. Customers, were cheated and forced to accept the terms because they have very bad credit. I have thought this practice was bordering PREDATORY LENDING. So I did some research and found this definition; In the strictest and legal sense of the word Predatory lending refers to secured loans such as home or car loans which are made by the lender with the intention that the borrower can't really pay them which would allow the lender to seize the car or home and sell it for a profit. The word has been expanded to refer to the practice of convincing borrowers to agree to unfair and abusive loan terms. This could be done either through outright deception or through aggressive sales tactics, taking advantage of borrowers' lack of understanding of extremely complicated transactions. Predatory loans, for instance, for the purchase of a home, could lead to foreclosure. Beware when you signed the contracts. It is a widely used practice that the DT sales staff rushes the customer through so that they really do not read what they are signing. Thanks for reading:)