Reader Brian emailed an ad for huge discounts on cars. The fine print is rather amusing: Must be subprime and must finance through Chrysler Capital.

Frequently, when you see an ad "only x available at this price", there are really none available at that price. They all went to friends of the dealer.

I called about the 2017 Patriot and there were still some left but they were "going fast".

The ad reads "Primary customer must have a FICO score below 620 and must finance through Chrysler Capital"

I asked what happens if my credit score was above 620. As expected, I could not get that price. For someone with a credit score of 800 the price jumps to $13,485.

I asked what happens if I pay all cash. That price is $13,995.

I asked about prepayment penalties and California does not allow them.