You have a week on me with your EDD. My OD is 5/23. M3LR Red/white/aero. Our cars will probably be on the same train (if your east coast that is.)
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I have same build as you with an OD of May 12, my EDD just moved to Aug 5 - Aug 19 this morning.
Hopefully you get some movement soon!
gators918
Member
Fire0897
Member
I almost went with that config! Yea it definitely sounds like our cars will be delivered around the same time, I'm in South Florida here!
Fire0897
Member
Im hoping! I can't stop checking the app!
codenameku
Member
im with you on that. my daily ritual is if i have free time, i open the app and check.
My current Edd has stuck for about 4 weeks. 3 days after it was posted, I changed my interior to white, so 3.5 weeks where nothing happened due to interior change (good or bad)
If you start with a base configuration and change the interior to white, you should see some acceleration on your order. If you already have an upgraded configuration it won't make any difference.
Base configurations are white/black/aero and silver/black/aero. All other configurations are considered upgraded.
I was in almost the same exact situation as of yesterday morning and then out of the blue, the VIN text came. Hope the same happens for you soon!
You are giving me some hope. I ordered 3 days after you. And I’m red with white interior. My edd’s have been very similar to yours.
095179005
Member
Not an expert but I'll try to answer as best as I can.
TBH it totally depends on the lender. Some are more risk averse than others.
What they are trying to do by initially looking at your credit score is use it as a measuring stick of how likely you're gonna run off with the money and not pay it back.
The fact that it's secured against a physical asset - the car - means that in the worst case they recoup their loss by taking possession of the car.
Which is why rates for car loans are pretty much always lower than rates for unsecured loans.
The other thing besides credit score is income, specifically debt to income ratio.
The lender wants to know if you can afford the monthly car payment - again back to the thing about lender risk tolerance.
Some lenders don't like customers that are on the edge of affordability with their income/expenses.
They'll see if you have other debt commitments (which you said you don't), then maybe in their internal calculations throw in average numbers for utilities, groceries, gas, etc.
Your credit score can also glean some information about that, because if you have a high score it means you've been able to at least juggle a variety of credit products without missing payments.
Having a high credit score affords you options - it means the ball is in your court and you can shop around for the lowest bidder lenders that want your business.
You can also use the search bar and set it to search only this thread, to see what banks/credit unions others have used and their rates.
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i have white/black/aero thinking of white/white for the change
Fire0897
Member
Wow that must've been quite the surprise! Im really hoping that happens to me sometime soon!
This is all true but many lenders just use a automated system and if your credit score is above a certain number then boom instant approval.
I wonder why it is the same price if you order just the 5-15 or both the 5-15 & 14-50? That doesn't make sense to me?
Avidcyclist
Member
Great to see someone else from ATL on this thread!Just got a slightly improved EDD. The time frame continues to contract!. It’s now Aug 17- Sept 14.
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