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@Bellasmom15 wrote:
We just need to get rid of it because its been at the dealership more than we've driven it at this point and they're saying there's nothing wrong with it
If that truely is the case; documented days without....I'd look into your State's Lemon Law. Read up, including the Federal laws.
Since you are at the 6 month mark it will be hard and you may have a high interest rate at first but it's not IMPOSSIBLE try with your Bank/local CU first so you avoid any unwanted 'extra hits' and see what they say but they recommend having your vehicle 1 year before refinancing so you aren't as upside down with your Negative equity and even if they help you out of that vehicle into someone more 'stable' than Santander because they are honestly 'bottom feeders' then I would just get out of anything with them at first and then refinance in a year if you aren't at that 14% or below that you want. I know it sucks trust me I do I started out with a 17 or 19% apr with Capital One but one year later 3.49% when I refinanced so just to help but Santander has nothing but horror stories and I'm sorry you are with them and about your Kia troubles that is always bad to hear.
CapOne prequal is SP I believe
D3f look into lemon laws.
You will lose $5-$10k easy on trade in.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
I would contact a Lemon Law Lawyer. Make sure you compare on how much and which way they get paid before committing.
You can leverage different financial institutions and credit unions to limit hits. Certain credit unions only pull from one credit bureau. By spreading your applications across those CB, you can limit your hits. Applying to a dealership or a brokage service online will result in a large number of hits. If you have excellent credit, sometimes you only need 1 pull at a dealership but YMMV.
@Shooting-For-800 wrote:CapOne prequal is SP I believe
D3f look into lemon laws.
You will lose $5-$10k easy on trade in.
FWIW, CapOne is a SP on prequal and lasts 30 days (the 30 days I’m not 100%, but I know they only last for so long)
If you haven't done so already, you may also want to consider going to a different dealer to have these issues fixed.
Some dealerships have notoriously bad service departments.
I'd take it to a certified mechanic that's certified for your vehicle and let him run diagnostics. I wouldn't fool with a dealership.