The Smoke Break with Adrian The Car Guy

Part 2 of our car financing Q&A. Hector, finance manager at Payne Edinburg CDJR, and General Manager Adrian Gonzalez answer business owners' questions:

> - Buying a vehicle in your business name vs. your personal name.

> - Section 179 and the 6,000-lb rule.

> - How a personal guarantee works.

> - Whether a business auto loan builds business credit.

>

> Plus why good-credit customers still miss out on deals, checking your insurance before you buy, total cost of ownership, and what to know before you walk into the finance office.

>

> Missed Part 1? Listen to "How to Buy a Car With Bad Credit".

> Watch the full episode on YouTube: @adrianthecarguy1

> Follow Adrian The Car Guy: @adrianthecarguy

>

> 00:00 Welcome back to The Smoke Break

> 01:54 Good credit and still missing out?

> 03:43 Section 179: the 6,000-lb rule

> 05:32 Check your insurance before you buy

> 06:22 Total cost of ownership

> 07:18 Business name or personal name?

> 10:32 How business owners buy a vehicle

> 11:45 Does a business loan build credit?

> 14:08 Selling the car vs. getting it funded

> 15:09 What frustrates a finance manager

> 15:46 Before the finance office

>

> We're a finance manager and a general manager, not CPAs. This episode is general information, not tax, legal or financial advice. Section 179 and depreciation depend on the vehicle's GVWR, business use and current IRS limits, so check with your CPA. As a personal guarantor, you're still responsible if the business can't pay.

> How do you buy a car with bad credit? Hector, finance manager at Payne Edinburg CDJR, and General Manager Adrian Gonzalez answer your car credit and financing questions: what credit score you really need, why it can be easier to get approved after a repo than with a past-due payment, how to "buy your credit back" with money down, whether a co-signer helps, $0 down vs. money down, 96-month car loans, negative equity, and dealership financing vs. your own bank.

>

> Watch the full episode on YouTube: @adrianthecarguy1

> Follow Adrian The Car Guy: @adrianthecarguy

>

> 00:00 Bad credit? How financing works

> 00:33 Welcome to The Smoke Break

> 02:06 What credit score do you need?

> 05:49 500 score or a repo: approved?

> 08:19 Should you pay cash for a car?

> 10:43 Does a co-signer help?

> 11:59 Collections and late payments

> 13:10 Pay off your debt first?

> 15:43 Can you buy a car with $0 down?

> 17:55 The monthly payment trap

> 20:06 What it costs to charge an EV

> 21:10 How to lower your payment

> 24:01 Negative equity on a trade-in

> 25:15 Dealership vs. your bank

> 27:08 Part 2 questions

>

> This episode is general information about car financing, not financial advice. Every approval depends on the lender and your full credit history.

> Do car salesmen really make six figures? Adrian Gonzalez, General Manager of Payne Edinburg CDJR in Edinburg, Texas, answers on The Smoke Break: how car salesman pay plans change between a high-volume store and a Stellantis store, why minis and volume bonuses matter, and how many cars it takes to make a good check.

> Co-host Adriana sits down with Adrian and salesmen Sam and Kirby for an honest look at dealership life: who owns a customer when there are no notes in the CRM, the worst excuses for not selling a car, how social media puts salespeople in front of buyers, and what a GM would do with $10,000 to market himself.

> Watch the full episode on YouTube: @adrianthecarguy1

> Follow Adrian The Car Guy: @adrianthecarguy

> Chapters

> (00:00) Coming up

> (00:38) Welcome to The Smoke Break

> (01:24) Deals: 25% off Rams, 0% on Cherokee

> (03:41) Better salesman: Kirby or Sam?

> (06:59) Filming content at the dealership

> (08:29) A car business movie?

> (09:57) The power of social media

> (11:03) Biggest diva? Sam's two phones

> (12:51) Who owns the customer? No CRM notes

> (16:25) The worst excuse for not selling a car

> (18:15) Who is Adrian's favorite salesman?

> (19:29) Can car salespeople make six figures?

> (21:22) GM for a day

> (22:58) $10,000 to market yourself

> (27:52) What stops you from selling more cars?

> Offers discussed were current when we recorded on Oct. 14, 2026, and are subject to change. Restrictions apply; see Payne Edinburg CDJR for details.

Car salesmen and money don't always mix. Adrian Gonzalez, General Manager of Payne Edinburg CDJR, sits down with co-host Adriana and sales consultants Caleb and Kirby to talk about the worst money moves they've made: a $10K meme coin called Smoking Chicken Fish, a $12K Vegas run that ended at the baccarat table, and $48,000 gone in four hours that ended with a Lambo.

They also get honest about the biggest myth about car salesmen, what they've learned working at a car dealership, how Kirby got two managers fired, whether SRT is coming back, and a dealership rapid fire round.

Chapters

0:00 Coming up

0:30 Meet the squad

1:10 How they got into car sales

4:57 Kirby's meme coin money

9:06 Caleb's Vegas trip

11:04 $48K gone in 4 hours (and a Lambo)

12:58 The biggest myth about car salesmen

19:39 What they learned at the dealership

26:17 Kirby got 2 managers fired

30:18 Is SRT coming back?

31:53 Dealership rapid fire

34:50 The customer who left mid-deal

41:08 Who quits the car business first?

44:16 Final words

Watch the full video episode on YouTube: https://youtu.be/ktTBqPHrjbA?si=xksIbm1mVoejXkJW

Shopping for a Chrysler, Dodge, Jeep or Ram? Visit Payne Edinburg CDJR in Edinburg, Texas.

Follow along:

TikTok: @thesmokebreakpod and @adrianthecarguy

Instagram: @adrianthecarguy1