The fine print is VERY important, especially when co-signing for a vehicle. Kia Financing traps you in a co-signing situation so that even when the primary driver loses their license and is driving drunk, you can't do a voluntary submission of the car without both signatures. They deny receiving documents sent USPS Priority with tracking numbers showing that they were delivered AND any faxes. If you are lucky you might get someone that admits they receive them. Each time you call you only get part of the answer. Also - as SOON as the 1st of the month arrives - and they don't get their payment, even with a history of payment on time, they start calling and hounding you. You are left with no choice but to stop payment and have the vehicle repossessed. They refuse to work with you and would rather stand by their agreement than help to keep accidents and possible deaths from happening.