Business would be quoting the loan amount, not omitting it in the hopes I wouldn't notice. Guys, to clarify: I wouldn't have a problem with the fees so long as he told me they were there. I had to do the math myself to find out what he was actually charging me. In my industry (home loans) we HAVE to discharge costs and loan amounts, or else we get fined big bucks. He quoted me an APR of 6.99, and hid fees in the payment. It's unethical how it was approached and that's where my gripe lies. If he'd come right out and said, we got you approved for a loan amount of x, at y rate, for z payments every month, I wouldn't have been so upset. Still wouldn't take the deal, but I would have applauded them for being straight shooters and most likely would have come back to look at something when my budget supported it.