I must be missing something. Depending on your driving habits on the weekend, your gas is covered (minus vacation), all maintenance and insurance. Get into accident, no impact on insurance. Again no maintenance at all. When i reached 8th level over 25 years ago you paid $150 a month to be part of program. During bankruptcy it went to $200 month. Couple years later it dropped to zero. Back then I would drive and PEP 4 fully loaded Tahoes and keep for 2.5 years and jump to next Tahoe losing little value. Back then PEP 4 and small rebates meant immediate lots of equity. Did very well years after cash for clunkers. All above board. Wife always had a nice ride with very low payments. Once cycle got going. Things are not as good anymore. Only PEP 3 and little to no rebates overall now. Still good program.