Utter Shit

So….the guy from SF finally emailed me. His money factor is .00374-.0040. He is SO full of shit.

A little leasing info – the lease is made up of 2 factors – the MF which I believe is directly related to the interest rate you are paying and the residual value or the value they estimate the car to be worth at the end of your lease. Leasing is paying part of a loan – the part you use for that 3 years.

Anyway, there are websites out there that will publish the numbers. The info I had said the MF should be .0024-.0030 and the residual value is 67%. Then I found a guy who said it was .00335.

I completely wrote Mr. SF off since he is smoking dope. But my little local gal called and said I needed to start dumping options because she could not get it for me under $400. In fact, she put me in the mid $400’s. I called her back and told her what I had found and that with my calculations (thank you, edmunds.com) I was in the $380 range without tax.

She asked what my top dollar was and I said $400 per month including tax.

She got me at $380 including tax. She got me 68% residual and it looks like a .0030 MF.

SCORE!!!

And she said my credit score was 750 – and I just bought all 3 credit scores and know it isn’t. So I am still waiting for the other shoe to drop. But I think I need to get in and sign everything ASAP!

Now I need someone to buy my damn car!!! Wanna buy my car?