**update** Within 3 hours of sending this message, a customer service rep called me to talk about my experience and bumped up my cash return a bit. It is still about half of what I was originally offered though...
After doing business with them, I sent this message. It is a complete rip off and they should be embarrassed making money this way.
This company should be ashamed with how they do business, enticing people that clearly need the extra cash with reasonable quotes and then offering crap in the end. Your customer service people are kind, and I feel bad for talking crap to them because I know it's their job and they probably didn't realize they were working for a company that ripped people off, but this company does just that to innocent people. This is not what an American business should be compromised on and the founder(s) should be ashamed. I am a recent graduate from university, where I was proud to learn proper business ethics, only to be presented daily with crap companies like this that make citizens hate all business owners. Thanks for your time.