I just want to ask a few questions like if I buy the 09 GTS loaded at about 25K MSRP with a 5K down what would I be lookin at for monthly payments say over 5 years? I dont have credit. What do you guys think my insurance would be as well ? I know most of the time the sales rep will try to negotiate a price lower than MSRP or sell you a car you dont really want. I used to work at GMC and every car that left the lot no matter what had to be a 5K profit over whole sale. :?