Distributors bypass banks with sweet credit discounts
Motor distributors are giving big discounts to motorists through their own finance houses, bypassing the banks, credit unions and other lending institutions.
VW Bank and and Opel Credit are offering zero per cent credit on some models and FordCredit is offering 2.9 per cent on Fiesta and Focus models next year.
The Volkwagen Bank zero per cent deal is on Skoda Fabia and Roomster models, with a deposit as low as 10 per cent of the price and Opel Credit covers all models over a 2-4 year period, depending on the deposit, which is a 30 per cent minimum, with a four-year warranty thrown in.
These are just some of the moves by the motor industry to combat an expected drop in sales from 90,000 this year to a 75,000-80,000 forecast for next year. It is also a bid to sidestep high-interest loans from Credit Unions -- eg 8.67 per cent at the Indo Credit Union and 12.9 per cent at AIB on car loans.
Customers have complained of high rejection rates by the mainstream banks to their applications. Ford says that compared with their 2.9 per cent rate, the AIB figure would represent an extra €1,525 on a €10,000 loan over three years.
Both Ford and VW say that there are high acceptance figures for their credit facilities -- 75 per cent in the case of VW. Ford says there is no need to make a trip to a bank when cheaper finance is available at the dealer. VW says its bank is open for business for VW, Seat, Skoda and Audi cars and commercial models. It has given out €100m in finance this year and intends to increase its funding substantially next year.
The zero per cent finance offer on Fabia and Roomster models is over a three-year loan period, with a deposit as low as 10 per cent for models registered in 2012. Other Skoda models can be bought at a finance credit rate of 5.9 per cent.
Seat has a Personal Contract Plan on Ibiza and Leon models. Customers who sign up before the end of the year can drive for €4.24 and €5.54 a day with deposit arrangements and buy or change model options after three years. This scheme will continue in January for the Leon model while the rate for other Seat models will be 4.9 per cent next year.
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Ford says that compared with their 2.9 per cent rate, the AIB figure would represent an extra €1525 on a €10000 loan over three years. Both Ford and VW say that there are high acceptance figures for their credit facilities -- 75 per cent in the case of
The credit union also maintains its in-house "purple sheet," a control form that follows a loan through the various stages from application through underwriting to closing. "There's no good way to get rid of it," Logan says. "With no paper except an
Take your time, try to put together a cogent thought and I'll check back in a few hours. Joanna: just a simple question, what does AG Holder testifying in front of Congress have to do with this idiot telling off his constituents ?
It was in 1986 that Weill, then a 53-year-old Wall Street castoff looking for his next act, bought a mangy, third-rate lender called Commercial Credit. You're buying a loan shark, his otherwise loyal personal assistant said of this chain of storefront
“Now we are bootstrapping it with are own personal funds – 401(k)s, house equity, zero-interest credit cards, lines of credit.” Nevins flies to Las Vegas to check out other frozen-drink concepts, including Numb Bar & Frozen Cocktails and Fat Tuesday.
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