We had no intentions of buying a car yesterday. Our car was totaled in a car accident a month ago and we've been casually shopping. We stopped by the dealership yesterday just to look and they had THE car. So we spoke with the salesman and manager, explained that the settlement on our car is on the way so we didn't have the down payment tonight. They were totally cool with it and hooked us right up. The payment is a little more than what we were hoping but we liked the car enough that we did it anyway. So we have finally replaced our car (2011 focus) with a 2012 Malibu, fully loaded. It's a nice car and, though still pissed that our nearly paid off car was totaled, happy to have a car again.