Want to share my experience maybe help someone. I bought HRV two years back and during talking about the price and negotiation they constantly pushing biweekly even tough i said few times i want monthly only. They said ok. Again at the sign day they give me biweekly contract. I was mad and said i dont want biweekly i want monthly. They said you can change it. I said ok. And some Chinese guy i dont remember his name he wanted so badly to push me to buy some insurance it was so unpleasant i got angry and after third time he stopped. Later, when i email finance service in Toronto they told me you cant change anything its the contract, you cant go now to monthly. After that they just didnt respond to any email. So instead of 29k will pay them 31.5k for the car which worth is 21k. They will see any way to take you more money. And, you pay HRV name (brand) around 1200!!??! Whats that? So read carefully and be strong in what you want.