Halloween ghost booooooooks shirt
When you do the same job over and over you tend to know what will pass and what will not. When looking at a car the dealer will pull your credit. Based on that they usually know pretty good what they can get financed and what they can't. This is where their offer to you comes from, as far as interest rate and down payment. Of course there are always a few times that they are off a lil. This is when they call you to return the car or come in and talk. Usually this can mean no bank accepted the terms or they want to talk about what some banks submitted as a counter offer. Usually the hope here is that you like the car and will be willing to pay for it under the new terms.
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