One Pay Calc not capitalizing TTL

Tech Lounge
1

@littleviolette
I did a one pay recently and noticed the One Pay Calc here is roughly 150 off from my contract.

The Reason? Because when you click One Pay , it doesn’t capitalize (At least for mine) the Acquisition, Dealer, Government Fee or Sales Tax on Incentives.

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The Depreciation / Rent Charge changes because of the missing money.

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So 8566 becomes 10506
And 3335 becomes 3432.
And Taxes shifts from 1573 to 1080 (Because There should be $543 rolled up into the 8566)

I also noticed a $5 difference on my non One Pay but I don’t have any pictures to back that up.

Just an Item to put on the ‘Tech Debt’ list.

2

Ive seen one pays handle capitalizing of fees in many different ways. It seems like theres actually a lot of freedom in how a deal does it which can end up making a difference in rent charge paid, etc.

3

Well then we need a selector for that.

Pay as Capitalized or Don’t pay as Capitalized, Hyundai CA definitely capitalizes it.

4

I have seen this vary within a brand/state based on how a dealer checked boxes.

5

I usually bump the fees on the calculator for Hyundai to get close to the true 1-pay. I’ve seen this before too.

6

There’s actually no need to capitalize any of those in a one-pay.

They can all be paid from the cash lump sum of the OTP rather than be capped for no reason.