In the last months I tried to lease a dodge charger. Here’s the thing: I have high credit scores (over 750), but never had a lease / any kind of loan before, and I have the credit card for less than 3 years.
So in Sept. I went happily to a dodge dealer after getting a great quote by phone / online ($370 / month & 1.5k dp) just to step outside after wasting few hours without any car, because after the credit application the price went high to $500 / month because they put me on tier 3.
Then, at the end of Sept. I went to a lease broker and he got me the same charger for $405 / month & 1.5k dp. (I almost sign the lease, but both me and the broker were not available at the delivery day, and then it was Oct. , new price, etc.)
Then now on Dec. I went to another 2-3 dealers, trying to get the end of the year sales - apparently now I was not even approved by the bank (same answer - you have high scores, very light activity… , tier 3… , not approved).
So I got confused.
What’s the trick? And how come by one dealer I was approved - but for $500 / month. The broker got me the same car for $405. On Dec. I got denied by the bank. What’s the story?
What the trick here? How come the broker got me this price? Because at the end of the day, also the broker send my credit application to the dealer, who sends it to the same bank (probably Chrysler capital / US Bank…)
Also, on Dec. the broker was able to get me approve, but for $475 / month.
So I’m totally confused. It always changing
I’d be happy to get some clarifications.