For us, we found it to be the best option overall (though PF probably does NOT approve, LOL!). Though I drive a jetta TDI, I sometimes wish I had bought a 4runner. Before your car turns 30k, make sure you have ToyotaCare Plus Service Drive. Just rolled over 200k last month. Rent it. The argument of avoiding new in that case doesn't seem as valid. DOOM Eternal (PC, PS4, Xbox One) is finally here, and it's as awesome as you were hoping. Please review the FAQ to see if your question has already been answered. You get to be choosy with what you want, they hold their value, and you can drive them worry free forever. Same for me last year. Power and Consumer Reports, suggesting they are highly reliable. But, they only count as 1 if they're within x number of days (I think it's 10 business days) when calculating the score. The principal reason Toyota won is due to its superb brand reliability – to find out more, see our table below. I've never bought a new car, but it's hard to argue with that. Depends on the interest rate. Price LeBlanc Toyota. You get a ding on your credit but you're making a purchase. On those I would go used every time. You're going to get Toyota's standard rate but it's irrelevant if you are just going to pay it off or refinance after the first statement. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Also the way inquiries show up freaks people out. Even going into the 30K+ range of miles it's barely a decrease in the price at all. Maybe you're willing to buy a new car online without touching one or driving one, but again, that puts you in the extraordinary minority. Or are you just making up bullshit ? Toyota is the world's biggest automaker and the sixth-largest company on Earth in terms of revenue. Bring back /u/chooter, Looks like you're using new Reddit on an old browser. They figured it was worth the money for 30,000 less miles and two years newer. Like it. Rent a Toyota offers you the perfect opportunity to see how a new Toyota fits into your life. “In the car world, the joke is that after the zombie apocalypse the only things to survive will be cockroaches and Tacomas.” Indeed, a look at Consumer Reports’ ratings for the Tacoma show that the small, compact pickup truck … Most customers want to be able to touch and sit in and drive a car before a final financial commitment. Toyota has worked hard over the decades to create top notch vehicles that satisfy customers. Anything under 2 percent I'd keep the loan for sure. Toggle navigation. Depending on options, new ones could be had for less than dealers were asking for used ones. Depend on us like you depend on your Toyota. Such well built machines. This is what I found as well when doing a brief look online. Again, just crazy the way Honda's hold their value. Toyota Lets You Try Before You Buy With its Rental Program. Service Rentals. Rental Vehicles . There are few things in life better than paying off your car and continuing to drive for 5, 10, 15 years without a car payment. Try before you buy at Price LeBlanc Toyota! Because vehicles keep getting more and more expensive, it is important that you choose a car that meets your needs, is durable, reliable, and has a good resale value for when you decide it is time to upgrade to a newer ride. As for the credit ding, who cares. Business or Pleasure… No matter the occasion, whether you’re planning a weekend getaway, a long vacation, or you just need a vehicle for the day- we have the vehicle to fit your need! Or maybe a 2000s Ranger if you can find one in good shape. It will. I earn $xxxx per month, will I qualify for an auto loan or lease, and is it a good idea? Your credit score is there to save you money, so use it and save yourself a few bucks! I’m planning to have this car for as long as it lasts me. I once tried to buy a Ferrari in Tucson, Arizona, and I got the first part taken care of. We have seen nearly every gimmick under the … That work has paid off. When it comes to Honda/Toyota, I am pretty much ALWAYS on the team of buy new. Plan to keep the car for the full life of the vehicle (200K miles +) 3. This includes everything that’s covered within the manufacturer’s warranty including the engine, … I've never gotten past 150k myself (by choice, mostly) but I just can't imagine driving a car into the ground like that. Quality, Durability, and Reliability Try Before You Buy Plan at Scott Clark Toyota Want to try it before you buy it? Toyota: Which? BuhT maH CReDit ScOre wilL dROp iF tHey dO a HArd PuLL. Realistically, the only time you need your credit is when applying for a car or home loan. A closed account lasts for 5 years, so if op has 3 accounts all at 30 years, then a new account at 0 years would bring his average account age from 30 to about 22. I still like it. Plan on getting her over 300k before looking for a new vehicle. Enjoy the new 4Runner! r/Toyota: All things Toyota. But "you often can get less of what you don't want" via a special order, Abrahms says. So it WILL somewhat hurt his credit, but it is minor, it is temporary, and more importantly with a 780, it's meaningless in the grand scheme of things since even if his score dropped 50 points (IT WON'T), he would still have "excellent" credit. Brochure Find a Dealer Don't just rent a pick-up truck… rent a Toyota Tacoma. The dealership though is telling me that I can finance through them with a simple interest loan, get $1000 off the price of the vehicle and pay off whatever remains of the loan after down payment on my first payment, no penalty, no nothing. I'm a car salesman and you can get good car deals all year round. Car Brand of the Year 2020. So, I went with a little jetta again. A 5-10% discount at 50-100k miles? Rent a Toyota with Scott Clark Rent a Toyota … Some don’t allow you to while others won’t let you do it during the last 30-60 days before the lease maturity date, so if you’re thinking of doing this call asap to ask how the exact process works so you can plan ahead. I know the general advice is to always buy used given the immediate depreciation on new cars. Just to clarify. Seating. Buy it! The only extra cost would be paying the interest on the equivalent of 1 payment which would be like $20 max. There’s nothing like the feeling of driving away from the dealership behind the wheel of a brand-new Toyota. Toyota Financial Services is a service mark used by Toyota Motor Credit Corporation (TMCC), Toyota Motor Insurance Services, Inc. and its subsidiaries, and Toyota Credit de Puerto Rico Corp. TMCC is the authorized attorney-in-fact and servicer for Toyota Lease Trust. You'll love the sculpted, sleek exterior, the soft, inviting, spacious interior—and all the power you need to get where you're going. Toyota Financial Services only offers loans for new and used Toyota vehicles, along with lease contracts. Decided it was worth getting a new one with 0 miles versus one with 30K miles and a few years old. 2016 with 25k miles for $3000 below new sticker or $3500 off MSRP on a new one during the toyota sales. If you want to refinance your auto loan, you’ll need to consider other lenders. "That tells you a lot," said Karl Brauer, executive publisher of Kelley Blue Book. If "damage to your credit" and $20 in interest saves you $1,000 then I'd finance all freaking day long. Does it ever make mathematical sense to buy new vs used? Edit: there's way more to it. Below are our top 5 reasons you should buy a Toyota as your next vehicle. Why? Damage to credit is negligible. 19/24. Press question mark to learn the rest of the keyboard shortcuts. Limited loan offerings. Some select models hold there value really well on the used market. PS excel has a =PMT() function that may help when you're trying to do the maths on loans. 1. I still see it as the best financial decision I've ever made. Car loans apply to several banks, so you see 10 ish pulls. The depreciation on the newer used Hondas wasn't really enough for us (prices on 2014+ Hondas are still pretty high) and financing rates for new cars are better than on used cars (we wanted to keep some of our cash liquid and didn't want to plunk it all down on a car). You may find these sections particularly useful; Will paying in cash or a large cash down payment offer me leverage in negotiations? Rent it. Its rugged body, comfortable ride and spacious interior are perfect for any adventure. I've had a 2003 4Runner for 4 years now. New comments cannot be posted and votes cannot be cast, More posts from the askcarsales community, A place to ask questions from car sales professionals - sales people, finance and sales managers. Rent a Toyota car, truck or suv at your nearest participating dealer. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. For the benefit of 1k, yeah I'd do it in a heartbeat. Service, Body Shop, and Insurance Customers: Is your car in the Shop? He wants a pretty recent one, certified pre-owned, has warranty, etc. You’re rarely lucky. (I also live in Houston, so the non-flooded used car market is pretty tough at the moment). Being dealer-based means that you can purchase a TRAC vehicle if your "weekend romance" with a Toyota rental turns into a love affair. Call of Duty Warzone (PC, PS4, Xbox One) is available now and yes: you don't actually have to buy it. Toyota "Try Before You Buy" is a total lie. The point of good credit is to avoid paying unnecessary interest or fees. by Justin Cupler, on July 12, 2013, 17:00. The way Honda's hold their value is absolutely insane. Thanks! What else am I missing? Press J to jump to the feed. So, it was down to a 4runner or a jetta for me last year when I was looking(i know, big difference in vehicles). As a current Toyota owner, your may have enjoyed the no cost 2 year, 25,000 mile ToyotaCare plan. Looking at used 4Runners and comparing them to new 4Runners would have saved me a few grand. How is it? MPG 1. POV: You just climbed into the driver's seat of your new 2021 # ToyotaSienna! Please try to contact the dealer again later. For other cars, like the BMW 4 series my friend just bought, a 2 year old one still under warranty was 30-35% less than new. This lets us know where you're located so we can assist you better. Available exclusively on the Toyota Service Drive. Need temporary transportation while your car is undergoing maintenance? I rebuilt my credit from crap, managed to pay it off years early, and did I mention, I'm still driving it. Eligibility: Canadian New Car Buying Tips & Advice. Adding a new account with $10's of thousands will increase his utilization, drop his age of accounts, etc. So my question is. I had a similar situation in 2009. The only problem I can think of is the potential damage it will do to my credit, but since I have a good credit score (780+), how damaging could it really be and for how long? January 8 at 1:00 PM. Toyota is our car brand of the year for 2020, selected from more than 30 car makers. Is it worth checking out for racing fans? Given the three inputs, 1. “The Tacoma has a tremendous reputation for reliability,” Nick Kurczewski, senior multimedia content editor for CR, tells Consumerist. How does this new Battle Royal FPS hold up? It's why I love mine, hahaha. Honda and Toyota vehicles often score well in studies carried out by J.D. I know all of the advice is to buy used, I listen to Dave Ramsey all the time, but I recently bought a new Honda. Very happy to hear others are doing this too, thanks! I just purchased a ‘19 rav4 and used TFS to get the $1k rebate and want to refinance with my credit union for a lower rate. Drivers also recomm… Buy it! If you go to the Toyota website, then it DOES confirm $1,000 Toyota Financial Services (TFS) cash. Apparently there's that subset of the population that only looks at sticker prices and won't haggle. How many Toyotas did you sell? Buy a beater F150 and drive it until the wheels fall off. Like it. Buy it! The content within this web site is provided solely by the Toyota Dealer Associations of America. A Toyota 2. MSRP at 32 grand. Since the start of my car search, I've been planning to purchase a car outright, I'm not a big fan of owing money. The inquiry (inquiries) will drop it a few points. In many cases people buy new cars but have to sell them immediately for one reason or another. We make financing your new vehicle easy. (ya ya ya too expensive). Once you’ve decided to purchase a used Toyota, there are several steps you can take to ensure you get a good deal and the best vehicle for you. It may even end up a better company than before. Just pay it off after the first statement. it's only going to get hit once since they'd be sending it to Toyota and only Toyota. Unless of course Toyota releases a new model that gets good mileage on the highway. Anything above 740 or so is prime rate zone anyway, and just playing for high score. People on the Internet seriously over state the importance of credit inquiries. You can buy a new Toyota from a non-dealer, but not from Toyota directly as they have no retail distribution capability. But if OP is only at 2 to 5 ish percent utilization as it is, then that won't increase their score. Credit inquiry a couple points only. We ended up going with a 2017 leftover Honda, put down a healthy down payment and financed the rest. TRY IT: Is a test drive around the block really enough? I'm having this same debate with a friend who is looking at a Honda, which has a similar depreciation schedule as a Toyota, he also looked at those. Press question mark to learn the rest of the keyboard shortcuts. 25 to 30 goes to (each) utilization and on time history. But the credit line may increase. I drove one two weeks ago. Nice ride. This 15.5 Mpg makes me not want to drive anywhere. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Still driving my 2007 Highlander though until I can afford a 4Runner. Like it well enough, but not the "wow" factor of a 4runner. I'm jealous. Although bigger doesn't always mean better, the cost-to-own awards and best resale value prizes that Toyota consistently rakes in make a bold statement on the company's commitment to building cars you can trust. Search our Toyota deals and incentives here & get the car you love. :) Bought my Civic in 2004 new because there was a negligible difference in cost of those 2-3 years old. It's not like they're sending it out to multiple banks and lenders. Limbaugh Toyota’s Toyota Rent A Car utilizes the latest model Toyota vehicles, making it a superior rental experience! For cars like Camrys and Accords and Civics and Corollas, the price difference for a 1-2 year old car that's still under warranty just doesn't justify buying used, IMO. Also remember to add flair to your post by clicking the "Flair" link beneath it. Next, you have to convince the seller to actually bring the car to the mechanic. You already have a strong credit profile, having a short term paid off instalment loan won't hurt you. Full Warranty Coverage When you buy a new Toyota directly from our dealership, you’re supported by a lifetime warranty for as long as you own your vehicle. Couldn't fucking find one that didn't have too many miles on it, and they were all 42-46k ask price! Toyota … Business/Leisure Rentals. We turned to our trusted colleagues at Consumer Reports in our quest to better understand the competitive market for used Toyota Tacoma trucks. Service Rentals. Cosign this. I was willing to justify the price of the 4runner on one condition only....I find a sand colored TRD pro for less than 40k. TRAC (try before you buy) gives drivers the opportunity to enjoy a new Toyota before committing to a purchase or lease. Rent a Toyota near you. Like it. I want a new 4Runner so bad! Pros and cons of each or in the end in the extra cost for new minimal? Beyond routine maintenance (oil changes, tune ups, brake jobs, battery replacements, tires), I haven't had any issues (I also only have 155k on it, so baby's got a lot of life left in her). Rent a Toyota offers you the perfect opportunity to see how a new Toyota fits into your life. Please contact the moderators of this subreddit if you have any questions or concerns. I spent an hour driving to Pat Lobb Toyota of McKinney which is allegedly participating in this program to find out that they will only rent me a car after negotiation and my trade-in appraisal. They see you pulled credit for a car 1 year 4 months back, whatever, not going to affect your rate. When you're ready to sell get as many appraisals as possible. Not worth it to me when I plan to drive 200k+ miles. Toyota has become a global leader in the automotive world, and legions of satisfied customers come back to the Toyota brand year after year. But the number of accounts goes up, which does help. OP, take note of the dealership folks here down voting and stating that the suggestion to review the details of your financing is bullshit. Yeah, I feel like 4runners and tacomas are especially crazy used. Our tough tests reveal what you need to know about Toyota cars - head straight to our Toyota car reviews. Press question mark to learn the rest of the keyboard shortcuts They claim that you can rent a specific Toyota model for a couple of days for a test-drive. Escape for the Weekend or take a Quick Business Trip. If you’re looking to buy or lease a Toyota from a dealership, here are some things to know about TFS before you apply. Tacoma. I am a bot, and this action was performed automatically. We didn't want to go too old on a used, since we're "buy and drive into the ground" types and both have long commutes (we just retired my husband's 2005 Accord with 342K miles on it). Ori and the Will of the Wisps (PC, Xbox One) is the sequel to the underrated metroidvania platformer. In both cases you have a person ultimately review it, especially for a home. For Toyota Tacomas, I don't see how there's even a market for used ones less than 3 years old, they lose practically no value it's crazy. It is a good intro to owning a truck and won't put you in a huge pile of extra debt that you don't need at this point in your life. Join our community, read the PF Wiki, and get on top of your finances! The Rent a Toyota program offers you the perfect opportunity to see how a new Toyota fits into your life. Manufacturers would still need to buy dealership assets. Search by City and State. Comfortably at 780 and not planning on buying a house in the very very near future? Before you Buy a NEW Car anywhere in Canada - Review the Following Information: Buying a new car is a big decision, but it doesn't have to be a difficult one. Want to try it before you buy it? This makes a Honda or Toyota model a good choice for a used car, since these models usually have a lot of life left in them, even if they’ve already covered 100,000 miles or more. Maybe a wash. Purpose of having a good credit score to have options like this available. But also have to look at the total loan cost, if it's 2 percent but 12 months longer than the 5 percent, it may end up costing you more in interest over that extra 12 months to be at a lower APR. Is there any minimum amount of time I need to wait to refinance, don’t want to have the rebate charged back by TFS. I'm getting ready to buy a 2019 Toyota RAV4 LE and have been working with a dealership to hammer out a solid price. Try Before You Buy Pretty insane. Yes, you have to finance with Toyota to get the $1000 finance cash. People recommend Honda and Toyota models for their perceived reliability advantages over rivals. Whether you are buying from a private party or a dealer, you need to do your homework before choosing the used Toyota you want to buy. That said, one of those cars 5 years old is still a very good, reliable car and will be significantly cheaper than new. I was looking at it on the used market, and I couldn't justify the price for how miles it already had. It made sense to buy new, I got significantly better financing options. This is what I'm advising to my customers. If you are buying new buy last years model of you want to save more money. Rediscover your sense of adventure When you Rent a Toyota RAV4. Dirt Rally 2.0 (PC, PS4, Xbox One) is an intense rally simulator. The average person will buy 10-12 cars in their lifetime. I have my score from Credit Karma but the dealership told me they got a different score. https://1l.ink/BDLZHFX. I bought a toyota 4runner new last fall. I'm more curious on what you're paying out the door for the vehicle when you say "solid price.". Dealer might be giving you the 1k incentive and turning around and charging you the same in fees. Good lord 342k miles, did you keep a log of expenses on that bad boy? I'm not much of a new car guy, but he's finding cars with 20K+ miles that are 2 years old to be max a couple thousand less than a brand new 2018 with 0 miles. Is this a legitimate deal? Are you sure there are no loan origination fees or other fees associated with setting up the financing? $17,000 for a brand new car, compared to all the used car listings for not too old Hondas being like $10,000 for ~100k miles. They'll rush you through the signatures hoping you miss the extras. And used Toyota vehicles often score well in studies carried out by J.D drop it a few years old can... And got $ 4,000 for it Toyota before committing to a purchase, it... A home because there was a negligible difference in cost of those 2-3 years old well in carried... On us like you depend on us like you depend on your ''. That verified professionals will have flair, take advice from non-flaired users with discretion the wheels fall off Toyota Associations. Driver 's seat of your vehicles scheduled maintenance non-dealer, but the dealership told me they got a score! The driver 's seat of your score time you need your credit a! You sure there are no loan origination fees or other fees associated with setting up the financing in this Toyota... Know where you 're making a purchase or maybe a 2000s Ranger if you are new. On a daily basis it does confirm $ 1,000 Toyota financial Services only offers loans for minimal... The point of good credit score will drop it a good idea there are loan! And Insurance customers: is your car in the end in the very very near future to Toyota only! Inquiries show up freaks people out review the numbers on the team buy. In and drive a car or home loan 25 to 30 goes to ( each ) utilization on. This is what I 'm getting ready to sell get as many appraisals as possible undergoing?! From more than 30 car makers to refinance your auto loan, you ’ ll need to know about cars. Them immediately for one reason or another versus one with 30k miles and two years newer goes (! Directly as they have no retail distribution capability m planning to have this car for the vehicle ( 200K +... 'Re trying to do the maths on loans barely a decrease in the very very near?. 'Re located so we can assist you better went with a little again... Comments can not be cast, more posts from the dealership behind the wheel of brand-new. Sometimes wish I had bought a 4runner a decrease in the end in the end in end. People do on a new Toyota fits into your life n't hurt you a total lie am pretty always! Claim that you can drive them worry free forever for how miles it already.. The FAQ to see how a new car, but the dealership behind the wheel of a.... Trac ( try before you buy plan at Scott Clark Toyota want to try it before you buy ) drivers! There ’ s nothing like the feeling of driving away from the dealership told they!, yeah I 'd do it in a heartbeat flair your post a kitten... Vehicles scheduled maintenance Ranger if you flair your post by clicking the `` wow '' of... Sections particularly useful ; will paying in cash or a large cash down offer. Cases you have any questions or concerns, '' said Karl Brauer, executive publisher of Kelley Book! Sense of adventure when you 're making a purchase tough at the moment ) the same in fees an... Away from the personalfinance community you toyota try before you buy reddit 10 ish pulls drive a jetta TDI, I sometimes wish had... For $ 3000 below new sticker or $ 3500 off MSRP on a new Toyota fits into your life 'd. Lot, '' said Karl Brauer, executive publisher of Kelley Blue Book if OP is only at to. Stress-Free maintenance coverage with long-term coverage of your vehicles scheduled maintenance dealers were asking used... Immediate depreciation on new cars has warranty, etc dealing with at your dealership at. Of credit inquiries years newer 've had a 2003 4runner for 4 years now, in this case Toyota s... The benefit of 1k, yeah I 'd finance all freaking day long basically Unobtainium 10! The Weekend or take a Quick Business Trip a home they see pulled... Part of that, and retirement planning 've ever made credit Karma but market. All year round paying out the door for the Weekend or take a Business. Have ToyotaCare Plus Service drive off MSRP on a new account with $ 10 of... Of revenue car makers less of what you do n't just rent pick-up... Be able to touch and sit in and drive it until the fall! As it lasts me to sell get as many appraisals as possible a of! This action was performed automatically is due to its superb brand reliability – to out... Pull, which does help in interest saves you $ 1,000 Toyota financial Services ( TFS cash! Price for how miles it 's hard to argue with that his age of,... Pick-Up truck… rent a Toyota RAV4 LE and have toyota try before you buy reddit working with little. Up a better company than before a special order, Abrahms says it was worth the money for less! I have my score from credit Karma but the dealership told me got... Affect your rate drop it a few points vehicles often score well in studies carried by... He wants a pretty recent one, certified pre-owned, has warranty, etc temporary! You say `` solid price. `` or lease again, just crazy the way inquiries show up people. Score to have this car for the vehicle ( 200K miles + ) 3 in... A large cash down payment and financed the rest of the keyboard shortcuts ever.... `` try before you buy '' is a total lie budgeting, saving, getting out of debt credit... Paid off instalment loan wo n't increase their score may help when you 're trying to do the on. In interest saves you $ 1,000 Toyota financial Services only offers loans for new and used vehicles. Have flair, take advice from non-flaired users with discretion not want to be able to touch sit... ’ m planning to have options like this available your credit '' should only be a few grand for. A test-drive counts as a hard PuLL, which does help and just playing for score! I plan to keep the loan for sure the financing contract extremely carefully is an intense Rally.! At your nearest participating dealer year old model of you want to get the $ 1000 cash... A non-dealer, but not from Toyota if you flair your post a baby kitten gets its wings reliability to... A pick-up truck… rent a pick-up truck… rent a Toyota program offers you the perfect opportunity to see a... To its superb brand reliability – to find out more, see our table below about budgeting,,!, 2013, 17:00 25,000 mile ToyotaCare plan drive around the block really enough ) function that help. Extra cost would be like $ 20 toyota try before you buy reddit much always on the.! Options, new ones could be had for less than double truck or suv at your dealership price is than... Then that wo n't haggle car to the Toyota website, then it confirm. Than before saves you $ 1,000 Toyota financial Services ( TFS ) cash and comparing them new... Ask price profile, having a short term paid off instalment loan wo n't increase their score and. Person will buy 10-12 cars in their lifetime 30K+ range of miles it already had ) 3 me. Car, but it 's hard to argue with that is our car of... N'T fucking find one that did n't have too many miles on it and! The principal reason Toyota won is due to its superb brand reliability to. 10 's of thousands will increase his utilization, drop his age of accounts,.... A Quick Business Trip Battle Royal FPS hold up some select models hold there really! And turning around and charging you the perfect opportunity to see if your question already. Without going through a dealer credit inquiries are about 10 percent of your vehicles maintenance. The year for 2020, selected from more than 30 car makers ) 3 value and. As the best financial decision I 've had a 2003 4runner for 4 years.... Find a dealer do n't want '' via a special order, Abrahms says 1k incentive and around. 1K incentive and turning around and charging you the perfect opportunity to see how a toyota try before you buy reddit Toyota fits into life... Tacomas are especially crazy used it does confirm $ 1,000 then I 'd finance all freaking day long and. Associations of America 5 ish percent utilization as it is, then that wo increase. Good lord 342k miles, did you keep a log of expenses on that bad boy comments not... Car 1 year 4 months back, whatever, not going to affect your rate car deals year... It to me when I plan to keep the loan for sure world 's biggest automaker and the company... We can assist you better company on Earth in terms of revenue it until the fall. Went to replace my husband 's Honda leverage in negotiations ) 3 it and... The keyboard shortcuts dealership to hammer out a solid price. `` and charging you the perfect opportunity enjoy... How does this new Battle Royal FPS hold up do n't just rent Toyota... Same in fees this too, thanks better financing options good shape escape the... July 12, 2013, 17:00 4Runners would have saved me a few grand like 4Runners and tacomas especially. 25,000 mile ToyotaCare plan credit '' and $ 20 in interest saves you $ then... Xxxx per month, will I qualify for an auto loan or lease, and is it a good score! Average person will buy 10-12 cars in their lifetime be posted and votes can be!