How to overcome automotive credit issues  Solar is better than electric but it also has issues  Trucks are not feasible as electric  Safety has become a key issue  Battery fire death numbers are high  Inflation oozes into vehicle interest rates The banks, more risk, more rate Know your budget and stick to it Down payment isn’t a lock Employment offers and testimonials help FTB, finance first, buy and negotiate second Don’t give up Shop every bank Financing has many sources Referral letters will help Cosigners are the best answer Recourse dealers Improve the risk Buy here pay here may be the last choice  

How to overcome automotive credit issue

Advice on buying a car, truck or motorcycle.  How to save money and avoid the hassles when purchasing or leasing a vehicle. Information about every aspect of an automotive purchase. Financing, trade-in value, advertising and many other topics.

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 Luxury vehicle buying facts  So many Electric-Vehicle issues  EV price range does not change the risk  80% mote problems  Blood batteries  Grid-Serve Charging network raises the cost to charge a vehicle  What qualifies a vehicle as luxury  Safety is the best  The latest High tech  Resale is still #1  Power and quality  More affordable then you think  Leases are best by far  Due diligence requires same techniques  Each issue is thousands  Trade shopping is even more important  OTD, CPI the same  More polite but not your friends  Used Car-fax or Auto-check  Flood check on used

Tips for buying or leasing a luxury vehicle

The dealership F&I; hurdle  F&I; to finish the deal Tesla 2 million recall Electric vehicles fires galore Consumer report confirms electric vehicle issues Price savings for 1 years of fuel Current charging station additions be the fed….0 F&I; profits are way up, what should you do? When things are this crazy, if you can, wait How to process F&I; aka business office Forced pitch from F&I;, get up and leave Business office and sales are separate CPI to stop payment packing Delivery after bank approval Dealer finance reserve is the biggest profit potential for the finance office Bank shopping pre dealer visit is paramount No to everything can be as bad as yes, listen to the pitch Geographic add-ons help resale OEM add-ons Always request the manufacturer of the vehicle’s extended warranty F&I; is shop-able for most products Make add-ons part of the due diligence Read all the numbers in your paperwork, especially the fed boxes

The dealership F&I hurdle

 Don’t be conned by the Electric Vehicle story  Hybrid or full, they have a battery  What are the  limits?  What about trade values?  Charging takes time, lots of time  No charge? What to do  Fossil fuel taxes pay for roads, how will EV’s be taxed?  Crash safety is important?  Fire safety is paramount  We need the minerals that are not here  Find a power source  Electric fuel can cost as much as gas  Will the monopoly of electric sources raise the rates?  The cost difference in new electric vehicles is huge.  Maintenance happens on all vehicles  Battery versus tuning, $  Are electrics a planned obsolescence?  Who can fix them?  Resale is a guess but my bet? Poor  Poor resale makes them 40% more  Environmental facts vs exaggerations  Cost difference buys 15 years of fossil fuel

Electric Vehicle Purchase , Yes or No?

 What if you have limited time to make the purchase?  Distance on EV is still an issue if you use accessories  Most common models are $2000 more for Electric  Fire departments train for EV battery fires  Rush Rush Rush to buy  Consistency means resale  What was missed  Time well spent  Due diligence rush    Phone and Internet  Is one-price a choice?  One day, the whole day  Be assertive, not aggressive  Aftermarket exceptions  What slows you down?  Something is better than nothing  The basics of the basic

How to buy if you must hurry

  What you should do to get the most out of your vehicle  1.     Various medias say EV‘s are tanking  2.     More and more EV fires  3.     Price difference and depreciation could be $40,000 or more  4.     Rates are up so credit comparison shopping is a key  5.     Both rate and terms  6.     Which method, trade in, sell to a dealer or sell outright  7.     No matter what you trade in or sell, Recondition as much as you can  8.     Know why you are selling, they will ask  9.     What you should verify and know  10.Retailing pays  11.Preparation is the same  12.Know what you are trading  13.Deal first, trade second  14.Getting all the resale out of yours  15.Small investment, big return  16.No matter how old it is, prepare  17.Trade payoff planning before it is a problem

How to overcome automotive credit issue

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