CSB3: Sterkrazzys Five Page Dissertation - TLDR He Got A Flat Tire

[JC_451]

For new cars, they're buying down the rates. VW has like 4.9% on the GTI and 1.9% on SUVs. Hell even 0% on the Tiguan right now.

That's just a huge fuck you to car enthusiasts.

Oh this car is fun? 5%

I was also talking more for people without top tier credit. Some of my bros at the factory have 9% notes.

 

[mrmatto]

That's just a huge fuck you to car enthusiasts.

Oh this car is fun? 5%

I was also talking more for people without top tier credit. Some of my bros at the factory have 9% notes.

LOL I wouldn't go that far. It's still a lower rate than average. They could've offered 0 incentives. Obviously they're trying to more aggressively move the vehicles they have more inventory of.

But yeah people with shitty credit are screwing themselves with double-digit APRs.

 

[Acadia18]

LOL I wouldn't go that far. It's still a lower rate than average. They could've offered 0 incentives. Obviously they're trying to more aggressively move the vehicles they have more inventory of.

But yeah people with shitty credit are screwing themselves with double-digit APRs.

That's just it. They get you though by any actual desirable car, you can't get new. Only "Used" with 2k miles on it (above MSRP).

When I bought my R (my current one, not my prior one), I just went with Carvana's financing at first, with the intention of refinancing immediately. They didn't even do a hard inquiry on my credit, and offered me an 18% interest rate on a $39k car. It was absurd.

I made one payment, and refinanced with DCU at 6.9% Which itself is still a crappy rate, but when their lowest advertised rate for perfect credit was 6.7%, it's not that bad in perspective.

The original finance doc from Carvana was crazy. If I kept the loan for it's full term, it was something like $24,000 in interest alone. Fucking bonkers.

 

[GolNat]

That's just a huge fuck you to car enthusiasts.

Oh this car is fun? 5%

I was also talking more for people without top tier credit. Some of my bros at the factory have 9% notes.

Yeah they offer better deals on the cars that make them the most money and they know car enthusiasts will pay more for a fun car. Good marketing

 

[GolNat]

I love sunroofs in any car but a VW.

Had mine open on the Pilot today.

 

[Corprin]

super decent actually. nice man! what jdm did you get again?

The cleanest 96 Mitsubishi Legnum VR4 on earth. Already have a pile of parts for when she comes out of winter storage.

Here’s some pics of the underside.

Trans needed new input seal so the trans to rear diff came out.

 

[GTIfan99]

i love having sunroofs

Jay, ban hammer. Do you know what 75 lbs does to the cg? Do you?

 

[GTIfan99]

Just have them stretch that loan out to 96 months.

I'll take a 30 year loan on my VW please.

Finance department.

 

[Acadia18]

The original finance doc from Carvana was crazy. If I kept the loan for it's full term, it was something like $24,000 in interest alone. Fucking bonkers.

IT WAS EVEN WORSE THAN I REMEMBER!

 

[mrmatto]

That’s insane

 

[mwoodski]

i think my boss tore his acl here today so im about to be a royal cunt for the next few weeks as a department that needs 3 people to run efficiently will be down to just me.

 

[Corprin]

i think my boss tore his acl here today so im about to be a royal cunt for the next few weeks as a department that needs 3 people to run efficiently will be down to just me.

 

[NoGodGetOverIt]

But can you get a 24 at MSRP? From what I hear many dealers are still asking sizable ADMs.
Plus the 20th gets you no sunroof which is a major bonus.

Yep, Leith in Raleigh/Cary still selling for $2500 over...

 

[toothofwar]

By the way, when did the R get an 8 speed? I thought it was still the dq381? Car was definitely quick. I also learned everyone in the dealership had abused the piss out of my old R.

 

[Salami]

By the way, when did the R get an 8 speed? I thought it was still the dq381? Car was definitely quick. I also learned everyone in the dealership had abused the piss out of my old R.

Should still be a 7 speed DSG