PSA TO ANYONE BUYING A CAR!!!

I work as a BDC agent at a very large dealership and have a ton of experience in helping people buy a vehicle. This can be a huge purchase so I want to give advice to anyone in the market or thinking about it.

First time buyers and bad credit. Maybe you have bad credit or none at all and you really need a vehicle. To many dealerships, anything under 600 is considered challenged credit. If you don’t have a qualified co-signer, you are going to need 20-40% as a down payment, depending on the value/age/mileage of the vehicle. A lot of issues I see with buyers with challenged credit is repeated reported hits on their credit because they have applied to several different dealerships in desperation. Every time a dealership pulls and submits your credit, it’s a hard hit and you will lose 2-4 points off your credit score. Most dealerships will submit you to 3-4 banks before stopping, some may go higher. So if you have challenged credit, having two or more dealerships do this to you is damaging. Being fully prepared is important!

In my experience, different dealerships use different credit bureaus to pull credit, so be familiar with all three bureaus if possible.

MYTH! A cheaper car is easier to finance. This is INCORRECT! Usually cheap vehicles are older and have high mileage. Banks do not want to finance those kinds of vehicles, so you have to look at something considered “financeable.”

These requirements fall along the lines of:

1. The vehicle must be 7-10 years old or newer

2. It must have 80-100k miles or less

3. It cannot have a salvaged/branded title, odometer rollback, and sometimes structural/frame damage. Almost all reputable dealerships will have Carfax reports publicly accessible on their website or upon request.

4. The car needs to book well. This means that the NADA value (basically the REAL value of the vehicle) is not too far off from the selling price. If a vehicle is worth $15,000 and they are selling it for $20,000, the banks will decline because the values are too far off.

However, just because a vehicle books bad does not mean it’s “over priced”. Technically. Most dealerships now have market based pricing, so the prices fluctuate with the economy. Similar to how housing, gas, and grocery prices rise and fall, vehicles are the same way. It is nearly impossible to buy a new vehicle anymore. Due to a wide array of issues, most 2022+ models are order only. This makes used vehicles in high demand. If dealerships are paying more to get vehicles via trade and auctions, they will have to charge more to sell them.

There are many dealerships out there who don’t care about you and only want your money. It is important to not let them pressure you and do your research to shop when you’re ready.

On a final side note, if you inquire by calling or going online and schedule a test drive, you will help workers like me. We are here to help answer questions, provide any and all information, without the pressure of salesman. (Yes we may call and bug you, but just say you’re no longer interested and we will stop!)

If you ever have any questions please ask me!!!

Please reblog/share to help educate people in an exploitative market!

It’s literally that simple

Friend: “hey my son can’t concentrate on his homework. He chooses to do literally anything else everytime. He said his head doesn’t feel like it.”

Me: “Did you give him music?”

Friend: “No! No tech until he’s done! He doesn’t need more distracted.”

Me:

“k, bring me the child”

*Go to her house*

*points to the obviously ADHD boy struggling with his homework*

Me: “so your head doesn’t feel like doing homework?”

Son: “yeah. It would rather do ANYTHING else.”

Me: *unwrapping earbuds* here, listen to this for an hour while you do it.

French voice: 1hr later

Son: “k I’m done! :-)”

Friend: “wow, what’d you give him? Concentra, Adderall, Ritalin‽”

Me: “Sweet Dreams by Eurythmics” and some lo-fi.

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mr-sheridan

2 years ago

Boston creampie donut

deep dish chicago pussy

I'm starting a pirate crew

50 Questions to Ask About Your OC

had some help from some friends to make up fifty pretty in-depth questions to get to know your OCs better! feel free to reblog this as an ask game or use it to develop your own crew

1. Are they happy with their body? 2. Do they have any secret piercings or tattoos? 3. Do they collect anything? 4. What is their favorite music genre? 5. What music genre, if any, do they hate the most? 6. What is their phone background/lock screen? 7. What is their shoe size? 8. Do they have a favorite fabric or texture? 9. Do they have a favorite professional sport? 10. How do they decorate their living space? 11. Are they messy, or do they clean up? 12. What’s their preferred sleeping position? 13. Did they have a favorite comfort item as a child? 14. Do they have a favorite period in history? 15. Can they cook? What’s their favorite thing to make? 16. What food do they hate eating? 17. Do they have any allergies? 18. What was their worst injury? 19. What movie is most likely to make them cry? 20. What movie or book could they watch/read a hundred times and never get tired of? 21. Can they dance? Do they like to? 22. What was their favorite birthday gift? 23. Which birthday do they look back on the most fondly? 24. What kind of cake or birthday treat would they prefer? 25. What is their favorite animal? 26. Do they wear perfume/cologne? What is their favorite scent? 27. What smell do they hate the most? 28. What sound do they hate the most? 29. What video game would appeal to them the best? 30. How would they relax on a day off/rainy day? 31. Are they combative? What is their fighting style? 32. Would they be the one to start an argument? 33. What is their personal style? Favorite outfit? 34. Do they have a dream job? 35. What do they do if they can’t fall asleep? 36. Do they wear makeup regularly? If they don’t, would they consider wearing any? 37. Do they prefer to be really cold or really warm? 38. What recurring dream do they keep having? 39. Can they drive? What vehicles are they licensed to operate? 40. Do they believe in true love? Have they experienced it? 41. Are they married? Do they want to be? 42. If they have siblings, do they like any of them? Would they rather be an only child? 43. What do they think is their worst quality? What is their actual worst quality? 44. Do they lie often? Are they good at it? 45. Are they good at keeping secrets? 46. How do others see them? How accurate is it to how they really are? 47. What kind of first impression do they usually make? 48. What are they most afraid of? 49. Would they ever kill anybody? 50. Do they have original characters of their own?

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mr-sheridan

9 months ago

Yeah and hes grumpy as hell having to deal with all these asks on a daily basis but at least people enjoy the weird noises he calls music

how long have you been on tumblr?

Shut the HELL up MAN. are u trying to piss me off?

Tags

old先 ghost music honestly they're a vibe I put a few of them on repeat for a few days it was good hes also kinda like the built in software goblin wizard like the Microsoft paperclip dude

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mr-sheridan

1 year ago

ill figure it out <- common utterance of a girl who is completely fucked

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