SUBPRIME
RATES
LEASE
SENTINEL
COMPLIANCE
100
Can I get a loan with a 550 credit score?

yes depending on vehicle, money down and whats on your credit report

100

What's the rate on this quote?

The rate is based on a store average, we cannot tell you a rate without a credit application. would you like to do one so we can answer that question?
100

what is a lease? 

A lease is a contract where you pay for the portion of the vehicle you use based on a predetermined residual value. with the option to return or buy the vehicle at the end

100
What is SENTINEL?

A environmentally friendly Ceramic coating and bonding agent applied to the exterior of the vehicle and interior water based protection for interior 

100

max amount we should take on a credit card?

2500

200

What do I need for cash down

usually the banks like to see 25% down 

200

I have a credit union I'm going through

Great we actually use them here, however we have a lender that is actually lower then them

200
How much would my buyout be if I put 10k down instead of 0 down?

same residual 

200
Where do you go to get a claim handled?

any dealer repair facility  

200

What is the fine for paperwork being out on a desk?

10k

300

I want an 2010 Audi with 150k its only 15k I should be approved for that right?

the easier option would be a 5 year or newer car with under 100k actually the banks find older cars with high miles a risk.

300
I really want this 2010 mazda with 100k for 72 months but that rate is too high. I'm a 701 credit score I can buy anything and get the lowest rate

Educate your customer on why the rates and terms are higher and lower for old used cars with 700 instead of 900 credit

300

do I need great credit to lease?

To get the best possible lease you do but there are tier levels for lower credit

300

what is not covered by sentinel? 

paint chips, dings dents, rust, tears over an inch and physical damage 

300
Can you take a credit app over the phone?

no

400

I have a TAX ID number and a no ID can you help me?

No you at the very least need an ID and residence 
400

The highest rate for a new vehicle purchase is _______%

15

400

what is the Max and min miles per year on a lease? 

min is 5k per year depending on company and also max would be 15k with the option to buy up to whatever you would like.

400

is SENTINEL cancelable or transferable?

no

400

why are miles important?

because there can be a mileage discrepancy  on title

500

I get paid through Uber and Child support, I also return cans. does that work for a job?

Yes! we have a few lenders that work with that, I will need 3 bank statements showing that no older than 30 days

500

Can I refinance this loan if I do this today?

yes you can, however due to titling errors you will have to wait 90 days before so on your 4th payment you can refinance to make sure there is no title errors

500
Can I trade a lease that isn't in my name?
No, not unless there is Positive equity, also depends on the leasing company
500

How do you file a claim?

Just like a Warranty claim at the dealer or the customer can call the number on the contract and send pictures and facilitate the claim themselves

500
What is another name for Social Responsibility?
Corporate Social Responsibility
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