u/ThetaGrim

Hey all, admittedly it's been almost a decade since I worked with a dealer for a finance loan. I agreed on an out the door price of $9,500 (everything including tax) over the phone and submitted the credit application. He confirmed the APR at 8.49% over 60 months and told me the monthly is $205.84. My math says this is a for a $10K loan. I'm not planning on financing all of it, especially the tax, and I'm likely going to be paying this off within a few months but I'm curious, is it the norm to be pre-approved for a higher amount and then be told the monthly by the dealership and not the exact amount we agreed on?

Edit: I'm going down on the weekend to finalize sale and review loan/sign docs. Just wanted some info before I make the trip down there.

Hey all, a friend is offering a leather riding jacket but doesn't have the armor inserts. Would something like a separate under armor pads (something like an Alpinestar bionic armor) and the riding jacket without inserts be enough to be safe on city riding? I've always just worn the jackets with the armor but I can get an under armor for like $100 to pair with the free leather jacket, curious if anyone has tried this combo?