Has anyone else seen this ad?

I first caught this commercial the other night. It's ridiculous for so many reasons:

1. Gary Coleman, perhaps more desperate to make a dollar than ever before.
2. They couldn't have at least put a telephone book under Gary? As is, he can't even see the vents on the dashboard.
3. Pause the clip at the very end when the fine print shows. Take a look at the APR.
4. Take a look again.