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I’m out ✌️

BenBaad

Seasoned Member
Joined
Mar 7, 2021
Messages
303
Location
Arizona
V-Series Cadillac(s)?
2022 Cadillac CT5-V Blackwing
Not going to be able to take delivery of my car after all. Denied by NavyFed, PenFed, and USAA (they approved me for half). Loss of $4k a month in income a couple weeks ago doesn’t help. Plus the issue with the sale/refi of my rental.
It’s been a fun 8 months with you guys, but gotta pull chocks.
Gonna call my dealer today and let him know.
I’m assuming they’ll charge a markup, I’ll try to get an idea on that.
Coulter Cadillac Tempe
Car is Wave Metallic, 6-speed, CF1 & 2, Pano roof, Tech Bronze wheels, red calipers/key, top Sky Cool grey interior with red seat belts, and PDR.
I’ll attach the build sheet and some pics as well.
55E60BE9-2A76-49C8-9E0C-4B78B77EAD1D.jpeg
91B894D2-3F9F-4DF5-A9A0-FAE52D3B84B8.jpeg
D82E6A4D-F76E-4F1D-B569-E0D85CD9F61C.jpeg
8BF469BD-46AD-45BF-B1AA-0794095ED1B1.jpeg
 

1Evil55

Seasoned Member
Joined
Jun 1, 2021
Messages
639
Location
here
V-Series Cadillac(s)?
Blackwing..
FFFFAAAAAWWWWWKKKKKKKKKKKKKKKKKK!!!!!!!!!!!!!!!!!!!!!!!!

So sorry to hear of this.
 

Jimmerz

Seasoned Member
Joined
Jul 14, 2021
Messages
155
Location
Fort Lauderdale / Palm Springs
V-Series Cadillac(s)?
2011 CTS-V Coupe, 2020 CT4-V, 2022 CT-5 V Blackwing (soon)
You should see if dealer would finance you
 

BenBaad

Seasoned Member
Joined
Mar 7, 2021
Messages
303
Location
Arizona
V-Series Cadillac(s)?
2022 Cadillac CT5-V Blackwing
You should see if dealer would finance you
This might be my last and final attempt. I may have f’d up when listing my total income however…
Have a rental property. Mortgage is $1200, renters pay $1500. Do I add $1500 a month for income, or just the $300 profit I get? 🤦‍♂️
 

Akamai58

Seasoned Member
Joined
Mar 6, 2021
Messages
525
Location
Sunnyvale, ca
V-Series Cadillac(s)?
2022 Cadillac CT5-V Blackwing, 2022 CT4-V Blackwing
This might be my last and final attempt. I may have f’d up when listing my total income however…
Have a rental property. Mortgage is $1200, renters pay $1500. Do I add $1500 a month for income, or just the $300 profit I get? 🤦‍♂️
You use the 1500 as income.
 

burn813

Original Ginger
Joined
Jun 14, 2021
Messages
581
Location
St. Louis Missouri
V-Series Cadillac(s)?
2022 CT5-V Blackwing
This might be my last and final attempt. I may have f’d up when listing my total income however…
Have a rental property. Mortgage is $1200, renters pay $1500. Do I add $1500 a month for income, or just the $300 profit I get? 🤦‍♂️
1500
 

BenBaad

Seasoned Member
Joined
Mar 7, 2021
Messages
303
Location
Arizona
V-Series Cadillac(s)?
2022 Cadillac CT5-V Blackwing
Shit… I just realized that was probably the case.
 

jdpeake

Seasoned Member
Joined
Mar 14, 2021
Messages
340
Location
Connecticut
V-Series Cadillac(s)?
2022 CT5-V Blackwing
Definitely use 150” and go thru the dealer. They can get loans approved when others deny
 

Jimmerz

Seasoned Member
Joined
Jul 14, 2021
Messages
155
Location
Fort Lauderdale / Palm Springs
V-Series Cadillac(s)?
2011 CTS-V Coupe, 2020 CT4-V, 2022 CT-5 V Blackwing (soon)
Even if you have to lease and purchase later. Get that 250 collector car!
 

BenBaad

Seasoned Member
Joined
Mar 7, 2021
Messages
303
Location
Arizona
V-Series Cadillac(s)?
2022 Cadillac CT5-V Blackwing
They did not 😒. This might be more of an issue with negative marks on my credit report from a few years ago. And I’m assuming the only way around that would to have someone co-sign?

A friend recommended trying GM Financial, and said it would be different/better than going through the dealership. Any input on that?
 

vblkwng

Seasoned Member
Joined
Jul 13, 2021
Messages
261
Location
Henderson
V-Series Cadillac(s)?
2022 CT5-V Blackwing
They did not 😒. This might be more of an issue with negative marks on my credit report from a few years ago. And I’m assuming the only way around that would to have someone co-sign?

A friend recommended trying GM Financial, and said it would be different/better than going through the dealership. Any input on that?
Dealerships will use GM Financial or at least attempt to. You may also want to try leasing as the lease is for a much much smaller amount. I leased my first V because of that.
 

vblkwng

Seasoned Member
Joined
Jul 13, 2021
Messages
261
Location
Henderson
V-Series Cadillac(s)?
2022 CT5-V Blackwing
Dealerships will use GM Financial or at least attempt to. You may also want to try leasing as the lease is for a much much smaller amount. I leased my first V because of that.
Just to clarify, lease only puts the total of the lease on your credit, so likely the 50k or whatever your depreciation is as the balance. Instead of the 100k+. It does make a huge difference on lending even though it's not a huge difference month to month. But if you can't even lease, then it's likely your credit is extended too much, and I'd sign up for MyFico or something and see whats on your credit. I track everything of mine on MyFico and over 5 years went from a 640 to a 798 score just because I started tracking and working on getting my scores and ratios into really ideal range. Chase could have denied me because I just refinanced our home 2 months ago.
 

Scalarrthu

Seasoned Member
Joined
Jun 2, 2021
Messages
68
Location
Las Vegas, NV
V-Series Cadillac(s)?
2022 CT4-V Blackwing
Damn man, hopefully you can get it worked out and end up taking that beauty home. I'll be pulling for you!
 

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