I have a 4 year agreement smartbuy and i finaly figured why it seems i never get down on my balance. I pay 239.99 a month for my 05 2.2 and my finance charges are like $70-$80 a month added on my balance. is that normal finance charges?

 

If its a lease, the payments wont go down....you are never paying down principle....'cause its a lease....

 

You always pay most the finance charges in the beggining.

 

Thats good to know