I hope it's okay to ask this question here. General discussion seems about right... I'm not asking for advice about whether to finance a "toy" or not. I understand the pros and cons of doing so, but sometimes it is a good move for me and I think this is one of those times. A fellow H.A.M.B.'er has a bitchin hot rod that I want and don't have the ready funds to buy it outright. My question is this; has anyone had any dealings with J.J. Best or other financing companies? I've got good credit, two houses (one free and clear and the other with significant equity) a '32 Fordor (again free and clear) and only one credit card with a small balance and spot on payment history, yet I was denied. WTF? Any feedback or shared experiences would be appreciated. Thanks.