I've decided on a 2026 OBX for my next vehicle! Don't plan on doing any off roading, so I couldn't justify the Sasquatch package even though I loved the looks. Is the 314A package a must? By adding that, I'd lose the V6 engine in the option the dealer has. Otherwise I can stick with the V6 but have the 312 package. None of the added options seem like musts for me, but would love insight as I've never had a car with a 360 camera, etc.
Currently pricing out some broncos and considering a big bend and an outer banks. I test drove an OB yesterday with a Sasquatch package, V6 engine and fell in love with it, only to be told after leaving that the sales person mis quoted it and it was 15k more than he originally said. Now considering another OB without the Sasquatch but still has the V6. It's coming in around $190 more per month than the big bend. I'm leaning towards doing it as the upgraded seat material would be nice with my 3 dogs, but is it really worth it? I don't really plan to do any off roading, so none of that really matters to me.
Need advice! I was super irresponsible with my credit in the past and now have a lot of late payments, charge offs, etc on my report. The latest one is from 2 years ago, but everything has been paid off now. I have two credit cards now with $300 limits and pay them each month. I have one late payment on one of them from last fall as I thought I had autopay set up but didn't. I also have around 30k in student loans on my report that haven't started repayment yet as I've been in school getting my masters.
I purchased a car last year which ended up being immediately too small for my needs as a family with 3 dogs and a toddler. I have a criminal interest rate at 24.9% so am making little to no progress on paying the principal down.
I checked my Fico auto scores last week and they were in the mid 600s, so I reached out to a dealer to see what my options were to get into a larger SUV. I make 45k a year on paper, plus around an extra 20k in commission that can't be counted as I just recently started the job and haven't gotten paid out on commissions yet. They submitted my credit to 20+ banks and every single one denied me. I would think after a year of having a positive auto loan on my report, I'd be able to get approved for something. For reference, the new car is around 40k and I offered 6-7k down.