$500 down, $440 a month until July 2013. I wasnt even looking for a duramax, just casually searching on autotrader one Sunday, seen a newly listed 05 Sierra for $19,999 loaded with 38,XXX miles on it (they made a mistake and it got priced as a 6.0 gasser) last year around this time 2 states and 400 some miles away, told them I'd buy it gave them my credit card number to hold it for me, didnt have time to go to my credit union or anything. So i left the next day told them to find me a loan and I'd sign the papers when I got there 6 hours later, I got the deal of the century and my dream truck. I have no idea what the payoff right now would be as I'm paying more than the minimum payment though.