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STARTING STEP #1!!!

GREEN COLOR $ = CASH MONEY for Car Purchase

Trade-in-value towards Car Purchase

Amount YOU WILL FINANCE

1. How much TOTAL do you want to spend on this purchase?:*

2. How much do you have in CASH towards your "CASH Down Payment?":*

3. How much are do you want to receive for your "Trade-in Value?":*

DEALER FEES:

4. All Dealer's have a "Doc Fee":*

$

5. Dealer Maintenance Plan?:*

6. Dealer Extended Warranty?:*

hidden OLS W.E.C. Plan

$

7. G.A.P. "Insurance" Plan?:*

What is G.A.P.? This is a plan that must be purchased at the time of sale, having it added-on to effect your contract later, is almost impossible. If you are financing a car for more than 48 months, it is probably to get the car in your monthly payment range, but the cars depreciation the first 3 years, with a 7 year loan, will leave you "upside down" in equity. If you have a "total loss" accident and you do not have a G.A.P. plan, you will have to pay off your car, & get a down payment together for a new car purchase. A "total loss" of your car and having the insurance company pay off towards your loan, and then G.A.P. paying the difference towards your loan, leaving you with no car to trade-in & no money from your car for a down payment is terrible enough, but imagine not having G.A.P. and having the insurance company pay towards your loan, and then you having to come up with the other $1,000 - $10,000 you may be "upside down" in equity left on the loan to pay off today, and then you needing to come up with another cash down payment for your new car, because you still do not have a car to trade-in or sell for your cash down payment!!When & Which G.A.P. Plan to buy: 1) The cheapest: If you are financing a car more than 48 months, you most likely should have a G.A.P. plan! If your insurance carrier offers "loan/lease protection" or "G.A.P." available then add it on! Just do not forgot to remove this part of the coverage in 24 - 48 months, or AS SOON AS POSSIBLE from not having negative equity. 2) If you are financing a car for 48 - 60 months, & your insurance carrier does not offer G.A.P., you will have some value by purchasing a 2 Year GapDirect Plan. 3) If you are financing for 60 - 84 Months months, you should get the 3 Year GapDirect Plan.

hidden OLS G.A.P. Plan

6a.Total of all Fees #4 - #7:

Additional Dealer Fees that ARE Taxable:

8. How much EXTRA do you have in any, "Dealer FEES" that are Georgia TAVT Taxable & NOT INCLUDED ABOVE?:

State of Georgia Sales Tax, Tag, & Title:

9. State of GA Ad Valorem (Tax, Tag, & Title) Fees:*

All taxable fees from questions #2 - #10!

How is this calculated? Purchase Price - Trade-In Value + Doc Fee X 6.6% Georgia Tax + $20 Tag Fee + $18 Title Fee ~~~ Dealer Maintenance Plan, Dealer Extended Warranty, & Finance Fee's are not subject to sales tax!

Any "Dealer Fees" listed after GATAVT Line on your dealer sheet?:

10. How much EXTRA do you have in any, "Dealer FEES" that are NON-Georgia TAVT Taxable?:

Most likely will be $41.00 on your Dealer Page. $18 for Title Registration + $20 for Tag + $3 Dealer Mailing Fee = $41.00

10a. Total of All Fees Questions #1 - #10:

11. Do you want to add, or subtract, these fees to my, "9. How much do you want to spend?

11a. "9a. Vehicle Budget" - "10a. Total of All Fees" = "10b. Total SALE Price of Vehicle to shop for:"

11a. "1. Vehicle Budget" + "8a. Total of All Fees" = ... new amount for 9a how much do you want to spend on this purchase?

THIRD PARTY CASH PAYMENT FEES:

12. Do you have current insurance?:

Would you like to add any money for insurance payment ?

A "Large" or "Standard" Size Insurance Company USUALLY does NOT require any money the day of the sale. You will owe next month, for the first month's insurance premium to your existing company.

Do you have any accidents or tickets in the past 3 years?:

12a. Estimated Cash Down Needed For First Month's Insurance:

13. Add-on OLS Service Steps:

hidden Number for OLS #6, #7, & #13?* CASH

NOTE* ~Do NOT include ANY FEES FROM ABOVE! ~For approved financing of ANY AMOUNT: Credit scores under 650, you should have $2,000 - $3,000 down before shopping as a Cash Down Payment. A 650 & UP should have $1,000 - $2,000 Cash Down Payment. NOTE: Regardless of score, the more cash down means the less that you're financing, & that is better most of the time! These are just minimum Cash Down Payment to give you an idea on getting approved for financing.

11a. Third party fees that you will use from, "2. Amount for CASH Down Payment?:"

All of this CASH goes to third party companies who combine your Question "#1. Estimated Insurance Down Payment:". PLUS+ Question "#3. $500 W.E.C. 3 Year/ 36,000 Mile Warranty." PLUS+ Question #5. A 2 Year, or 3 Year, GapDirect G.A.P. Plan". PLUS+ Question #6. Add-on OLS Service Steps.

11b. Total Cash Remaining from " 2. Amount for CASH Down Payment?:"

11c. Amount of "Un-paid Fees:"

Using your Answers from Questions #1 - #10, this is the amount of "Un-paid Fees" that you can add to your, #"15. Total Amount YOU WILL FINANCE:":

Financing your car!!

12. We use your answer from Questions, "10b. Total SALE Price of Vehicle to shop for:" & add + "#11c. Un-paid fees", & subtract - "11b. Total Cash Remaining for "8. Amount for CASH Down Payment?:"= "12. After Taxes Vehicle Total that you CAN finance:":":

12. How much is your current loan balance for your, "7. Trade-in Value?:":*

12a. We use, "7a. Trade-in Value" - "13. Current Loan Balance:": = your, "13a. Cash Trade-in Value:"

13. We then take your, "11b. Remaining Cash for Down Payment:" + "13a. Cash Trade-In Value:" = your, "14. TODAY'S CASH/TRADE-IN VALUE:"

If this is a red number, you need to add to your, "8. Amount for Cash Down Payment:" Amount

14. We use, "9. How much do you want to spend on this purchase?:" & add + "12. After fees purchase you CAN finance:" - "14. Today's Cash/Trade-In Value:" = "15. TOTAL AMOUNT YOU WILL FINANCE:"

15. To Achieve "12d." Your Budget is:

15a. "7. Trade-In Value:" DUE AT PURCHASE

15b. "8. Amount for CASH Down Payment?:" DUE AT PURCHASE:

15c. "15. Total Amount You Will Finance:" DUE AT PURCHASE:

16. Credit Score:

# of Payments:*

Finance Rate:

16a. Finance Charges:

16b. Total Price of Vehicle After Finance Charges:

16c. Total Monthly Payment:

# of Payments:*

Average Financing Specials:*

Averaging Financing Deals:*

Averaging Financing Rates:*