2014 Mercedes Benz CLA 45 AMG

In Geneva, the Mercedes A45 AMG was presented in New York, now the 2014 Mercedes-Benz CLA 45 AMG celebrates its world premiere.

The third-generation A-Class is also the first time as CLA available as saloon with particularly dynamic lines. Mercedes shows in New York now for the first time the top model of CLA series, the CLA 45 AMG.

Technically, the CLA 45 AMG AMG identical to the A45, only the body shape is different, the two models. Under the hood, the turbocharged 4-cylinder turbocharged engine with a hidden power of 360 hp (265 kW), which develops a maximum torque of 450 Nm.

The sprint from 0 to 100 km / h, the car fleet done in 4.6 seconds, top speed is electronically limited to 250 km h /. On average, the CLA content is 45 AMG with just 6.9 liters of petrol per 100 kilometers, which is in relation to the performance of a remarkable value.

The circuit is via the AMG SPEEDSHIFT DCT 7-speed sports transmission, which has three driving modes, a declutching and Race Start function, which ensures the remarkable acceleration values​​.

Thus, the force is also perfectly placed on the road, the CLA has 45 AMG also standard. New 4Matic all-wheel drive with on board.

An AMG sports suspension and AMG braking system round off the sporty design as well as the AMG sports parameter steering, which is to enhance driving fun also.

Visually, raises the CLA 45 AMG from the other models by the CLA AMG trim and AMG alloy wheels. The interior is also in the AMG-look with the finest sports seats, AMG speedo and many other accessories that enhance the sporty feel of the CLA 45 AMG.

Of course there are all the options that are available to the CLA, the CLA 45 AMG, including adaptive cruise control, sound system, lane departure warning or the Pre-Safe system.

The Mercedes CLA 45 AMG will start in July 2013, the launch is scheduled for September 2013.

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1980 Oldsmobile Cutlass

 THIS IS ONE OF THE BEST CUTLASS SEDANS I HAVE EVER SEEN!

IT IS JUST STUNNING.  THE CAR IS A REAL CLASSIC.  THE FRONT CHROME GRILL AND HOOD ORNAMENT ARE BEAUTIFUL.  THE CHROME BUMPER AND HEAD LIGHT SURROUNDS ARE IN BEAUTIFUL CONDITION.  THE CAR IS JUST BEAUTIFUL ALL AROUND.



CLICK   "Join this site"  TO BE ENTERED TO WIN A CLASSIC CARS OF THE 80S T SHIRT!

 THIS OLDSMOBILE CUTLASS HAS BEAUTIFUL WOOD TRIM AND CHROME ACCENTS THROUGHOUT THE INTERIOR.  THE TAN INTERIOR IS STUNNING.  THE CAR IS THE BROUGHAM LUXURY EDITION.  IT IS TOP OF THE LINE. 

 THE CAR HAS CLASSIC WHITE WALL TIRES AND BEAUTIFUL CHROME WIRE WHEEL COVERS.  IT IS JUST 1980S CLASSIC LOOK ALL AROUND.

 THIS CUTLASS HAS A BEAUTIFUL VINYL TOP WITH A GOLD EXTERIOR FINISH.

 THIS CAR HAS JUST OVER 12,000 MILES AND IS IN EXCELLENT CONDITION.

THIS 1980 OLDSMOBILE CUTLASS IS PRICELESS.  IT WILL BE A CLASSIC.

I WANT TO THANK www.memorylaneclassiccars.com FOR LETTING ME SHOW THEIR CAR ON THIS BLOG.

THIS CAR IS AVAILABLE AT : http://cgi.ebay.com/ebaymotors/ws/eBayISAPI.dll?ViewItem&item=281021457865&ssPageName=ADME:X:RTQ:MOTORS:1123

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2013 BMW M3 Coupe Frozen Limited Edition

In North America, BMW now offers a special edition of the BMW M3 Coupé, namely the 2013 BMW M3 Coupe Frozen Limited Edition.

Shortly before the change of model, BMW offered a very special version of his sporty two-door sedan for the North American market with the M3 Coupé frozen limited edition.

The BMW M3 Coupé frozen limited edition limited to 150 pieces is available in three colours extra for the special model "Frozen Blue", "Frozen Red" and "Frozen White".

In addition to the "icy" paint you can recognize the special M3 still matte black-lacquered 19 "-alloy wheels, black running side and front Grill, as well as the roof in carbon optics."

In the Interior, finest leather sport seats with contrast stitching in body colour and carbon look pamper trim. BMW M3 frozen Limited Edition with 6-speed manual transmission is standard delivered, upon request it is automatic transmission but also with the M-DCT available.

The price of the strictly limited special model is in the United States $76.395. Who would call a copy of his own, has to import but this on their own.

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World Debut Rolls Royce Wraith

Rolls-Royce Motor Cars proudly presents the world debut of Wraith, the most powerful and dynamic Rolls-Royce in history. At its heart lie hallmark Rolls-Royce attributes of luxury, refinement and hand-craftsmanship, but the new model from the world’s pinnacle super-luxury marque also presents a unique character defined by power, style and drama. With just a hint of the noir.

“Today we launch the ultimate gentlemen’s gran turismo, a car that embodies the spirit of Charles Stewart Rolls,” commented Torsten Müller-Ötvös, CEO Rolls-Royce Motor Cars. “The most powerful Rolls-Royce in history, Wraith promises the sense of adventure and speed that drove our founding forefather. But of course, Wraith’s starting point is luxury, refinement and quality, traits that remain as important to Rolls-Royce customers today as they were more than a century ago.”

Rolls-Royce Chairman and BMW Group board member Harald Krüger added the following: “The BMW Group today reconfirms its full commitment to the future of Rolls-Royce. Growth and a prosperous future lie ahead thanks to continued investment, careful brand stewardship and the launch of groundbreaking new models like Rolls-Royce Wraith, a magnificent addition to the product range.”

In profile, Wraith’s sweeping fastback design gives the car its unique character. Bold lines, tension in the panels and a raked rear screen evoke the image of a world class athlete poised in the starting blocks. Further expression of dynamic intent can be seen in Wraith’s deeply recessed grille, wide rear track and dramatic two-tone presentation.

Coach doors open to reveal a sumptuous interior complete with softest Phantom-grade leathers and expanses of wood called Canadel Panelling. Named after the famous cove in the South of France where Sir Henry Royce and his design and engineering teams spent their winters, this contemporary and tactile finish sweeps through the interior, cosseting four occupants in a space bathed in light and warmth.

The interior ambiance is complemented by Starlight Headliner, a Bespoke feature available beyond Phantom family cars for the first time. 1,340 fibre optic lamps are hand-woven into the roof lining to give the impression of a glittering, starry night sky.

Performance delivers on the promise of Wraith’s styling. Power delivery is effortless, but dramatic, thanks to a V12 engine married to 8-speed automatic ZF transmission. 624 bhp / 465kW is available to the driver while the 0-60 mph sprint is achieved in 4.4 seconds, compared with 563 bhp / 420kW and 0-60 in 4.7 seconds for Ghost.

From 1,500 rpm 800 Nm of torque is available (780 Nm for Ghost), while a wide rear track, shorter wheelbase and lower roof height further contribute to the most powerful, involving driving experience of any Rolls-Royce in history. The car’s suspension has also been tuned to minimise body roll and discreetly amplify feedback when cornering; while steering weight is heavier at high speeds and lighter at low speeds adding to the spirited drive.

However, Wraith is no GT bruiser. Agility improvements have been achieved with absolutely no compromise to the sensation of riding on a bed of air. Furthermore, the debut of Satellite Aided Transmission (SAT) technology takes the powertrain to a new level of effortless delivery, one that perfectly suits the Rolls-Royce brand.

Satellite Aided Transmission uses GPS data to see beyond what the driver sees; it anticipates his next move based on location and current driving style, then selects the most appropriate gear for the terrain ahead. Corners, motorway junctions and roundabouts are all anticipated in advance meaning Wraith is constantly poised to deliver on its promise of performance.

A more polished, effortless driving experience and even better response brings a new, more dynamic dimension to the famous Rolls-Royce trait, waftability.

For over a century a Rolls-Royce motor car has featured technologies designed to support occupants discreetly, delivering a peerless driving experience epitomised by the term ‘effortlessness’. In every Rolls-Royce these assist the driver when called upon, but are prepared to return without fuss to the background when no longer required.

Advances in mechanical and electrical technology deliver systems like head-up display, adaptive headlights and Wraith’s keyless opening boot. But improvements in connectivity have taken the human-machine interface to a new level of sophistication, a suite of aids that could be likened to a contemporary on-board valet.

Voice activation commands, for example, come with a one-touch call button located on the steering wheel. A destination no longer requires manual input from a navigation menu and route assistance begins immediately, on-screen and via audio guidance following a voice command such as “navigate to Piccadilly in London.”

Additional improvements in communications come in the design and functionality of the elegant Spirit of Ecstasy Rotary Controller. This allows navigation through on-screen functions using a touch pad that features pinch and pull functionality to echo smart phone usage. Letters can also be ‘drawn’ onto the pad by hand rather than by scrolling through a series of available characters on-screen.

First deliveries of Wraith will be made to customers in the final quarter of 2013. Call 858 454 1800 today to place your order.

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2013 Subaru Outback Release Date

2013 Subaru Outback Release Date - The new Subaru Outback is going to present to the world. Many people in the world are now waiting for its real information about the release of new 2013 Subaru Outback. Read the review that we recently took from SpeedCarPower.

Japanese automaker will offer this engine in two transmission options for every buyer, a six-speed manual transmission as a standard options and CVT with paddle shifters for interested buyers. Meanwhile, the 2.5-liter flat-four Boxer engine on the 2013 Subaru Outback claimed to provide better fuel efficiency than the previous model but still maintains the engines performance on the road.

Any buyer who chooses a CVT automatic will receive more benefits from the fuel efficiency rating – 24 mpg in the city and 30 mpg on the highway. Subaru also continue to offer the Outback 3.6R models powered by a 3.6-liter DOHC flat-six engine that will be hitting the road with 256 horsepower and 247 lb-ft of torque. While the engine will be mated to a five-speed automatic transmission with a fuel efficiency rating is 18 mpg in the city and 25 mpg on the highway, referring to the current model.

In terms of fuel efficiency, the 2013 Subaru Outback 3.6R Limited claimed to be better than the Ford Explorer and Honda Pilot. All engine options will get the all-wheel-drive configuration. In addition, the new Outback Crossover will still come in five different trim levels, 2.5i Base, 2.5i Premium, 2.5i Limited, 3.6R Base and 3.6R Limited.

Premium and Limited trim levels will receive more benefits than the base model and each buyer will get a CVT automatic, 17-inch alloy wheels, some comfort features and power driver’s seat in a premium package. While the Limited trim level offers a dual-zone climate control, a four-way power adjustable passenger seat, leather seats and more.

Japanese automaker hasn’t been confirmed, but the 2013 Subaru Outback Release Date is expected to be released more quickly before this fall and sent to the dealer at least early next year. Unfortunately, we don’t have pricing details until now. So, look for the official pricing details when the new Outback is actually released this fall. Thank you.

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Free download SSANGYONG REXTON 2001 2006 SERVICE REPAIR MANUAL

Free download

If you need SSANGYONG REXTON 2001-2006 SERVICE REPAIR MANUAL, you only Click on the button above. The site contains over 31,543,000 free downloadable manuals for different product categories including car, bike, BMW, Caterpillar and more.

Whether you are a professional mechanic or a first-time car owner, youll find SSANGYONG REXTON 2001-2006 SERVICE REPAIR MANUAL an indispensable part of your toolbox or auto repair kit. Unlike the car manual that came with your ride when it was brand-new, a manual for auto repairs doesnt focus on how to use or start up the different systems of your car. Instead, it explains how to fix and maintain automotive systems, components, and accessories, from the exhaust tail pipe to the car grille.

Getting SSANGYONG REXTON 2001-2006 SERVICE REPAIR MANUAL is probably one of the smartest investments you can make as a car owner. Even if you never have to get your hands dirty when maintaining and repairing your vehicle, having a manual saves you quite a significant amount of money. Why? Its because you can easily arm yourself with the right information to prevent unscrupulous automotive technicians from taking advantage of you. With enough knowledge, you will be able to ask intelligent questions because you know enough about what maintenance procedures should be done and what certain symptoms mean.

There are two types of SSANGYONG REXTON 2001-2006 SERVICE REPAIR MANUAL: electronic manuals, which you can download online or read from a CD, and printed manuals, which you can bring and read just about anywhere. Some online manuals are actually free and can be downloaded without creating any sort of account. If youre lucky, you may even find sites that allow you to get whatever manual you need for whichever car brand. However, the accuracy of some free online manuals cant be always verified because some of these versions might be written and posted by non-experts. Printed repair books, on the other hand, are more often than not written by professional mechanics. They are still widely available on the market today, with some publishers even offering complementary CDs for illustrations and videos.


File Format: PDF
Compatible: All Versions of Windows & Mac
Downloadable:YES
Language: English

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Alfa Romeo 4C � Passion �Made in Italy�

Alfa Romeo may be the most beautiful car, but only after the exclusive 8C. The new Alfa Romeo 4C had its debut in a serial version, only 2 years after the concept enjoyed its greatest success. Italian coupe was designed to delight Geneva; right now we can only see it in a few pictures. Alfa Romeo 4C is a quite important model for the Italians, both in terms of sales and image. After all it is the model that marks the return of Alfa Romeo brand in America! Alfa Romeo 4C looks almost like the concept it derives of, that means gorgeous.

 It makes you think that Germans would never be able to design something like this. A lot of lines, bumps and typical Latin design created one of the most beautiful cars of the modern world. I love it, even though I do not understand why they had to include those integrated LED lights, which don’t really seem to fit into the general design. Alfa Romeo 4C is a coupe with 2 seats, central engine and rear wheel drive. And this is all. The body is made ​​of aluminum and carbon fiber, so that weight does not 1 exceed 1000 kg. This is very little and extremely good for the dynamics, although Alfa Romeo 4C is less than 4 meters long.

 The Italians have built for this coupe a 4-cylinder engine of 1750 cc, which is also to be found on the Alfa Giulietta QV, but with less power. Although the Italians give no statistics yet, this engine produces 235 hp on the sporty Giulietta, so we expect an output of about 300 hp on the 4C. When discussing the concept, the expectations were about less than 5 seconds up to 100 km/h and a top speed of 250 km/h. We will have exact information after its debut in Geneva. Source: www.sparepartstore24.co.uk

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1996 Toyota Camry Owners Manual

1996 Toyota Camry Owners Manual - Welcome to my site and I will help you to get the information you need. In addition you can also download the Owners Manual PDF you need here. Before you download the 1996 Toyota Camry Owners Manual from my site, let us look a little of 1996 Toyota Camry Review. The 1996 Toyota Camry continues to be almost the same from last seasons design. Minimal engine improvements mean that the four-cylinder is completely qualified with all on-board analytic requirements, and is now qualified as a adjusting low exhaust automobile energy place. Furthermore, the internal of the DX range gets a new seat material, the LE Automobile is available with a set program, and the Wagon can now be requested with a power-operated car owner seat.

The 1996 Toyota Camry creates a lot of guarantees and provides on most of them. Stability and ergonomics stay the foundation of Toyotas dedication to the U.S. industry and the Camry indicates both of these.

The Camry is developed to complete the needs of the family; it does so in a way that doesnt keep customers seeking. Interior area is sufficient, and allows relaxed sitting for five; back burner travelers will appreciate the scalloped front side seats which creates more joint space. Footwear area is nice and the liftover size is not too magnificent. Since this is a Toyota, indicators are set out in a sensible way and all of the manages are in simple achieve. Top high quality materials and helpful sitting places assurance that a long-distance generate will be relaxed.

Unfortunately for the Camry, external design doesnt coordinate up to its relaxed internal. Despite any small renovation in 1995, the Camry hasnt gone through any actual modify since its renovation in 92. This doesnt mean that the Camry is exactly unpleasant, just that it is starting to look a little unkempt next to its opponents.

This delivers us to our primary gripe about this car. We know that it is reliable, relaxed, and well developed, but for the price, (around $22,000 for a platform V6 and much greater for the SE or XLE with any options) you can get into a fun-to-drive BMW 318i, a fashionable Ford Taurus, or an cost-effective Mazda 626. Actually, the mid-sized industry is favorably gluted with excellent vehicles cheaply. So, although the Camry is a excellent car we suggest purchasing around before you create any certain choices on this high-priced wonder.

Download here 1996 Toyota Camry Owners Manual

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2013 Mitsubishi Pajero Sport User Manual Owners Pdf

2013 Mitsubishi Pajero Sport User Manual Owners Pdf - Reported by the Bangkok Post, Monday (02/18/2013) is now Mitsubishi Motors Thailand Pajero Sport offers a choice of 2.4-liter petrol engine with a power 128 hp and 2.5-liter turbo diesel engine-powered 178 hp.

Mitsubishi Motors Thailand made ​​a breakthrough with the Pajero Sport equip with latest mechanical heart. Pajero Sport new engine capacity will be much greater than they are today.

Google Images

For 2013 models, the Pajero Sport will be available with a choice of 3.0-liter V6 engine capable of blowing power to 219 horsepower. For this model wheel drive system adopts 2WD models.

Not only refreshment in the kitchen sector runway, Pajero Sport GT version has been equipped with a mounted DVD screen for rear passengers. In addition there are also satellite navigation system has been revised, rear parking camera and a digital connection and features black leather.

Download Here User Manual Owners Pdf 2013 Mitsubishi Pajero Sport

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2002 Ford Explorer

2002 Ford Explorer Owners Manual - Welcome to PDF blog. You are able to download all pdf file, both free or paid. It all depends on which kind of manual book that you are going to download. Enjoy all our services and do not hesitate to leave the comment for every single thing that you see in this blog. Here, we provide few review about 2002 Ford Explorer before you download its manual book.

According to edmunds, the 2002 Ford Explorer has been overhauled in an attempt to make it more carlike than ever before. Among the improvements are a 2.5-inch-wider stance and 2-inch-longer wheelbase for improved handling and roominess, a new independent rear suspension that improves ride and handling, while at the same time accommodating an optional third row of seats, larger door openings with a lower step-in height, an optional side curtain airbag system and an optional Reverse Sensing System.

Fords Explorer has dominated the SUV market since its introduction in 1990. Designed to appeal to the broadest spectrum of buyers possible, Explorers proven to be a goldmine for the Blue Oval folks. Still, it was getting a bit long in the tooth during the last couple of years. Thus, a complete redesign for 2002.

Download 2002 Ford Explorer Owners Manual

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1954 La Carrera Panamerica

found on http://lacarrera2007.blogspot.com/2009/09/rare-la-carrera-panamericana-photos.html via
http://www.thegentlemanracer.com/2013/07/1954-la-carrera-panamericana.html

for  program from the 1953 Panamericana, see Portagos site: http://deadlycurves.blogspot.com/2013/01/1953-carerra-panamericana-program.html 

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1934 Packard custom made for a member of the Tiffanys owners family

found on http://oldschooliscool.tumblr.com/post/72162750029/a-highly-customized-dashboard-from-a-1934-packard

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Jodie Foster skate boarding

found on http://nickdrake.tumblr.com/

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BMW i3 Concept Coupe at LA Auto Show

At the 2012 Auto Show in Los Angeles, the BMW i3 Concept Coupe celebrates its premiere and is another view of the electric car future of BMW.

The i-series BMW would also be involved in the electric vehicle market, after the i8 Concept and i3 Concept Bayern now show in Los Angeles and the i3 Concept Coupé.

The sporty version of i3 is to appeal to young people, who are primarily in the urban area on the way and focus on design, but do not want to lose the practical benefits of the car.

So the i3 Concept Coupe also. Rather the 3-door version of the i3 Concept and no thoroughbred coupe with low roof and narrow interior

The interior of the i3 Concept Coupe is already shifted more toward series, as yet in the other electric concept cars from BMW. So also is the 8.8-inch color display is in the center console, which is already known from other BMW models.

The 396.4 cm wide electric car also has another 6.5-inch display, which is found as a tachometer prominently in front of the driver and informed him about all those important features of the vehicle that is not already on the 8.8 inch display can be called.

An airy design of the interior with friendly fabrics complement the interior of the electric-powered coupe.

For the BMW-typical "driving pleasure" is the car of the future a 170 hp (125 kW). Powerful electric motor that has a peak torque of 250 Nm and power is transferred via a single-stage gearbox to the rear wheels

The energy refers to the engine from a lithium-ion battery that will enable a range of approximately 160 kilometers. The protection provided by batteries deep focus would then provide optimum road holding and driving fun.

Naturally there are also a i3 Concept Coupe Driving Experience Control, which has the modes "Comfort", "ECO PRO" and "ECO PRO +". By switching from "Comfort" to "ECO PRO", the range can be increased by up to 20 percent, a different accelerator pedal characteristic curve and climate control provide for the savings.

The more fuel efficient "ECO PRO +" mode also limits the top speed to 90 km / h, and the air conditioner shuts down to a minimum level of performance. To the BMW i3 Concept Coupe goes into series production, but take some time, BMW is planning to launch in 2014 until 2015.

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this bicycle rim lighting idea is very cool!

Called Revolights, available at REI... and probably local bike shops.

http://revolights.com/

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1987 Pontiac Trans Am GTA TTOP 15K ORIG MILES

 THIS 1987 PONTIAC TRANS AM GTA IS ONE OF MY MOST FAVORITE TRANS AMS OF THE 1980S!  THIS CAR IS IN OUTSTANDING CONDITION.  IT HAS JUST OVER 15000 ORIGINAL MILES.  IT IS IN ONE OF MY MOST FAVORITE COLORS,  FLAME RED METALLIC.

 IT ALSO HAS THE GOLD AND SILVER ALLOY WHEELS WITH THE BLACK CENTER CAP.  THE CAR HAS HIDDEN HEAD LIGHTS AND FOG LIGHTS IN THE LOWER FRONT GROUND EFFECTS.  THE GTA IS A SPECIAL PACKAGE THAT PONTIAC MADE FROM 1987 INTO THE EARLY 90S.   IT WAS PONTIACS FLAGSHIP CAR.

THIS TRANS AM GTA HAD A VERY SPORTY APPEARANCE.  IT HAS THE FULL GROUND EFFECT PACKAGE AND A REAR SPOILER.  THE CAR HAS THE PONTIAC FIRE BIRD EMBLEM ON THE REAR BETWEEN THE TAIL LIGHTS.   JUST AN AMAZING SPORTS CAR. 

THIS CAR HAS THE RED VELVET INTERIOR WITH BLACK TRIM.  THE INTERIOR IS IN EXCELLENT CONDITION.

 IT LOOKS AS IF NO ONE HAS EVER SAT IN THE REAR SEATS.  THE CAR IS A 4 PASSENGER CAR.

THE CAR HAS A 3 SPOKE SPORT STEERING WHEEL. 

 IT ALSO HAS A 5 SPEED MANUAL  WITH A 5.0L V8 ENGINE.  THIS ENGINE HAS TONS OF POWER AND WOULD BE WAY FUN TO TAKE ON A LONG SUNDAY DRIVE.

 5.0L V8 AND 5 SPEED MANUEL TRANSMISSION MAKES THIS A TRUE AMERICAN SPORTS CAR!  WATCH OUT FOR THE RED, WHITE, AND BLUE LIGHTS IN YOUR REAR VIEW MIRROR!

 I WANT TO THANK MIKE AT: mjcclassiccars.com FOR  LETTING ME POST THIS CAR ON THIS BLOG!

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100 GUARANTEED CREDIT APPROVAL BULL FEATHERS!

You can’t help but hear, see, and read car dealers’ advertising that they can get you financed in a new or used car no matter how bad your credit is. Why they would make such a patently untrue claim is not only evil but amazing. It’s amazing because they wouldn’t keep running the same advertisements if the ads didn’t work.

Banks don’t knowing lend money to people that have real bad credit. What does a dealer accomplish by spending lots of money on advertising that brings people into his dealership with bad credit?

You may have heard of “purse seining”. It’s a method of commercial fishing that uses a huge net to encircle the fish. Tuna are commonly caught using this method but, in the process, thousands of other fish and marine animals are simultaneously trapped in this giant net. Porpoises, turtles, and other species of fish are scooped up along with the thousands of tuna that are caught in a single effort of purse seining. Environmental groups like Green Peace strongly oppose purse seining because so many “non-tuna” fish and sea mammals are killed in the process.

A dealer advertising that he can finance you in a car, no matter how bad your credit, is “purse seining”. As you know, we are slowly emerging from the greatest recession since the Great Depression. Record numbers of people have bad credit and record numbers of banks have tightened their lending even on people with average credit. This increases the number of “fish” for unethical, greedy car dealers to purse sein for. They cast out their giant nets knowing that they will attract far more people with bad credit that no bank will lend money to than people who will qualify for a loan.

Nine out of ten respondents to ads like 100% Guaranteed Credit Approval, Credit Amnesty for All, All Credit Applications Accepted, Bad Credit is No Problem, No Credit Application Refused, or Bankruptcies and Foreclosures Are No Problem will be turned away. These people are being lied to and if they question the truth of the advertisement they will be told things like “We didn’t say we guaranteed we would accept your credit; we said your credit application”. Or, they might say, “We will approve your credit on this $30,000 new Jeep Wrangler if you will give us a $29,000 down payment.” They legally cover themselves in the fine print. This fine print is totally illegible in TV ads, undecipherable in radio ads, and requires a magnifying glass to read in newspaper ads. They are technically granting you credit approval even if the down payment they require is 99% of the price of the car.

Those nine out ten who are rudely rejected are the “fish” that are “accidentally on purpose” caught up in the giant net, the purse sein. About one out of ten who was lured into the dealerships by these lies does buy a car. But who are these ten percent, why do they respond, and how are they able to buy a car? They respond for the same reason the 90% who cannot get financed responded and these people are the reason the dealers continue to advertise like this. They fall into four categories.

The first category consists of those who merely “think” they have bad credit but really don’t. There are some people who have always had near perfect credit and when they get one or just a few credit blemishes, like one past 30 day payment, they assume that they have bad credit now. These people are thrilled when the dealer is able to obtain financing and often will agree to pay a higher or buy a car that they didn’t really want because they dealer had “done them a favor”.
The second category is the group that does have bad credit but also has ample cash. They would prefer to finance the car but can and will pay cash if they have to, and they quickly find out that they have to. This same person will put a much larger down payment down and finance such a small portion that the bank will approve the loan.

The third category is the group that is willing to falsify a credit application which is a federal crime. Often these kinds of people have visited several dealers and have learned exactly what facets of their credit caused them to be rejected. They will falsify these facets such as income being too low by fabricating 1040’s or paycheck stubs. Sometimes they will have someone with good credit front for them to buy the car. This is called a “straw purchase”.

The fourth category is the group who can be duped by the dealer into signing a credit application that the dealer has falsified. Now when I say “the dealer”, it is really the dealer’s agent, the Finance and Insurance Manager. The dealer may or may not what is going on. The buyer is just as guilty as the dealer if he signed the credit application but sometimes the Finance and Insurance Manager forges the signatures.

The 90% of the fish who are thrown back into the sea are forgotten about. Usually they aren’t even shown the courtesy of a phone call telling them that their credit was turned down. They leave the dealership with hope in their heart often calling repeatedly to find out if their loan has been approved. Usually their calls are ignored. This is the part that angers me the most. There are few things more sensitive than a person’s credit rating. How embarrassing and humiliating it must be to those poor souls who have already led their friends, neighbors, and relatives to believe their credit was approved and they bought and financed a car.

In many cases, they actually drive the car home but are called later demanding that the car be returned immediately because their credit was rejected. This practice is referred to as either the spot delivery or the yo-yo delivery. I wrote about this in a previous column, “Don’t Be Spotted or Yo-Yoed”.

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