KBB/why loan officers are retardid? - LotusTalk

Seth W · 10-20-2009, 11:21 PM

so after missing out on buying a elise today because of a few factors.... the major one is being that my loan person has no idea who makes lotus

and they dont list the good old KBB value on their site. even if she knew that lotus is the manufacture (funny thing is I said like lambroghini, she said "who makes that") in order to get a established vale they need to have it appraised, this is a good idea but again it adds to money spent on a car. Is their any sites like Kelly blue book that list average values per mileage and all that bs? I know going rate doesnt always mean kbb value but at least it will make me pre approved for a loan.

Mr. Know · 10-20-2009, 11:40 PM

New Car Prices, Used Car Values, New Car Reviews & Car Buying Guides - NADAguides.com Official Site

2005 Lotus Elise: Used Car Value - Lotus Elise 2 Door Coupe
FYI - you may need to select Coupe as the body type for certain years.

Seth W · 10-21-2009, 02:49 AM

thank you thats exactly what I needed

lotusland · 10-21-2009, 05:51 AM

Have to wonder if it was not Webster rather than Kelley that caused you to be denied....

Tejs · 10-21-2009, 06:23 AM

Quote:

Originally Posted by lotusland

Have to wonder if it was not Webster rather than Kelley that caused you to be denied....

ckalkhof · 10-21-2009, 06:24 AM

Quote:

Originally Posted by lotusland

Have to wonder if it was not Webster rather than Kelley that caused you to be denied....

Classic.

mrcarcrazy · 10-21-2009, 06:36 AM

Quote:

Originally Posted by lotusland

Have to wonder if it was not Webster rather than Kelley that caused you to be denied....

That's hilarious, thank you!

kestrel74 · 10-21-2009, 06:38 AM

C'mon guys.....he speled Lotis rite !

Seth W · 10-21-2009, 11:58 AM

thanks for the grammar correction, if that's what makes you fell better at night than more power to you

fishguy · 10-21-2009, 12:01 PM

Quote:

Originally Posted by lotusland

Have to wonder if it was not Webster rather than Kelley that caused you to be denied....

that was a great way to say what you had on your mind.

LOL

JWA · 10-21-2009, 12:23 PM

Quote:

Originally Posted by Seth W

thanks for the grammar correction, if that's what makes you fell better at night than more power to you

Is English your native language, and are you typing these messages on a proper keyboard?

You are asking for help to explain why you had trouble securing a loan on an Elise (which is something that most of us here have successfully done with little trouble) while criticizing the loan officer for being unfamiliar with a specialty vehicle manufacturer as if she is ignorant and we're all thinking that the fact that you can't spell or construct a proper sentence probably indicates a larger reason behind your being denied the loan.

jasondew · 10-21-2009, 12:44 PM

Quote:

Originally Posted by Seth W

thanks for the grammar correction, if that's what makes you fell better at night than more power to you

BTW, it's "then" not "than" and it's "feel" not "fell."

rackhenry · 10-21-2009, 12:58 PM

Quote:

Originally Posted by jasondew

BTW, it's "then" not "than" and it's "feel" not "fell."

skelliott2 · 10-21-2009, 01:13 PM

You might also try other financial institutions. We always use Pentagon Federal Credit Union for car notes as they consistently have the lowest car rates out there. Their current rate is 3.99% for up to 60 months on used and up to 72 months on new. I just refinanced the Elise to drop my rate. You can become a member by joining MOAA, so you do not have to be military.

ErictheBastard · 10-21-2009, 01:21 PM

God help Seth when he acquires his car and then starts a topic on this board without exercising due diligence with the search function....

Seth, you will find all sorts of pedantic types on this board - 'search' Nazis, spelling and grammar Nazis, touring suspension Nazis, etc...

I'm one of the spelling and grammar Nazis, but it's rooted in a general hatred for anybody born after 1980 and their pervasive use of text message shorthand in all forms of correspondence.

Personal tip: ALWAYS double check your spelling of words such as 'retarded' before hitting the post button. Wouldn't want you to die of an overdose of irony.

Seth W · 10-21-2009, 01:43 PM

No worries about people being a bunch of jackasses I've been on the MR2 forums for over 7 years now so I'm used to it. I remember listening to a NPR segment about how people feel it's their duty to correct others on grammar and what sort of people they tend to be.

yeah occasionally you do tend to get some useful information from people who actually know what they are talking about vs posting things from what they have heard. I have about the same amount of respect for those into cars but cant even change their oil.

TimMullen · 10-21-2009, 01:52 PM

Quote:

Originally Posted by ErictheBastard

you will find all sorts of pedantic types on this board - 'search' Nazis, spelling and grammar Nazis, touring suspension Nazis, etc...

Hey! I resent that! I'm not a "Nazii", I'm a "Zealot"!

Quote:

Originally Posted by Seth W

No worries about people being a bunch of jackasses I've been on the MR2 forums for over 7 years now so I'm used to it.

Actually, we don't call people names here on this forum.

You will find that the people here on LotusTalk tend to be of a higher caliber that the average person on most car forums (although obviously not all by some of the digs that you have received). We don't attack, we don't flame, and if people do, then the moderators have to go clean things up, and that tends to tick us off.

Quote:

yeah occasionally you do tend to get some useful information from people who actually know what they are talking about vs posting things from what they have heard. I have about the same amount of respect for those into cars but cant even change their oil.

You will find that the signal to noise ratio on LotusTalk is quite high, and there is more quality information here than you will find on most any other forum. If you ask a technical question, you will tend to get an informative answer back quickly.

Oh by the way, I use ieSpell to spell check my postings - it's free, and it caught the spelling errors I made in this post (although it doesn't correct my poor grammar

).

ErictheBastard · 10-21-2009, 01:58 PM

BTW, welcome aboard - hope it all gets sorted out with the loan officer. Companies like KBB are often as obtuse as loan officers and lotustalk.com members - the whole irrelevent/redundant step of selecting a bodystyle - ridiculous.

mrcarcrazy · 10-21-2009, 01:59 PM

Aren't we touchy? Calling people names won't get you far. just a headsup. Just blow it off as nothing, and you'll be much better off. Well except Eric, b/c he even calls himself a bastard. and he hates me (born after 1980).

Anywho, skelliott what is MOAA? 3.99% sounds good to me.

skelliott2 · 10-21-2009, 02:20 PM

Quote:

Originally Posted by mrcarcrazy

Aren't we touchy? Calling people names won't get you far. just a headsup. Just blow it off as nothing, and you'll be much better off. Well except Eric, b/c he even calls himself a bastard. and he hates me (born after 1980).

Anywho, skelliott what is MOAA? 3.99% sounds good to me.

It is the Military Officers of Association of America. You can find the link on Ped Fed's website.

Sorry, I should have said National Military Family Association (NMFA). MOAA is only for military officers. A link to NMFA is under the "How To Join" link on the website. It has been a while since I joined the CU and at the time NMFA was on the main screen, sorry for the confusion.

Yeah 3.99 is great. You can even refinance down to lower rates even if your current loan is with them, but you have to take out an additional $5000 to do it. Their customer service group taught me the trick of paying down $5000 and then refying with the higher amount. You get the reduced rate and your $5000 back! They are really a great, great credit union!!

I also use their visa card as they give you 5% back on gas, 2% on groceries and 1.25% back on everything else. They credit your next month's statement for your previous month's purchase credit.

I have no affilliation with them other than being a member, by the way. Just want to pass on good deals when I find them!

10-20-2009, 11:21 PM	#1 (permalink)
Seth W Registered User Join Date: Nov 2003 Location: PDX Posts: 24	KBB/why loan officers are retardid? so after missing out on buying a elise today because of a few factors.... the major one is being that my loan person has no idea who makes lotus and they dont list the good old KBB value on their site. even if she knew that lotus is the manufacture (funny thing is I said like lambroghini, she said "who makes that") in order to get a established vale they need to have it appraised, this is a good idea but again it adds to money spent on a car. Is their any sites like Kelly blue book that list average values per mileage and all that bs? I know going rate doesnt always mean kbb value but at least it will make me pre approved for a loan.

10-20-2009, 11:40 PM	#2 (permalink)
Mr. Know British by extrapolation Join Date: Jun 2007 Location: Marin, California Posts: 3,350 Images: 6	New Car Prices, Used Car Values, New Car Reviews & Car Buying Guides - NADAguides.com Official Site 2005 Lotus Elise: Used Car Value - Lotus Elise 2 Door Coupe FYI - you may need to select Coupe as the body type for certain years. __________________ 07 Magnetic Blue Exige S Join the Blue Lotus Team on Facebook.

10-21-2009, 06:38 AM	#8 (permalink)
kestrel74 G-200 Driver Join Date: Jun 2004 Location: North of Detroit; Watkins Glen, NY Posts: 9,311	C'mon guys.....he speled Lotis rite ! __________________ 74 Europa Zetec TC Special 3614R Elise #2292 / Chrome Orange !! / Starshield / Nitron Sport SA / RTDbrace / Uprights machined / Down Low rails / ChaseCam / V1 / SS lines w/ R4-S "My daily driver does .85 Mach" " I started flying when Sex was safe and Hang Gliding was dangerous " BUY My Europa ! http://www.lotustalk.com/forums/f94/...pa-sale-43829/

10-21-2009, 01:21 PM	#15 (permalink)
ErictheBastard NOT the Stig Join Date: Feb 2009 Posts: 265 Images: 5	God help Seth when he acquires his car and then starts a topic on this board without exercising due diligence with the search function.... Seth, you will find all sorts of pedantic types on this board - 'search' Nazis, spelling and grammar Nazis, touring suspension Nazis, etc... I'm one of the spelling and grammar Nazis, but it's rooted in a general hatred for anybody born after 1980 and their pervasive use of text message shorthand in all forms of correspondence. Personal tip: ALWAYS double check your spelling of words such as 'retarded' before hitting the post button. Wouldn't want you to die of an overdose of irony. __________________ Eric the Bastard, Esq. Sylmar, CA 2005 Buzzbomb Chrome Orange Larini SE Exhaust LETSLA shift kit

10-21-2009, 01:58 PM	#18 (permalink)
ErictheBastard NOT the Stig Join Date: Feb 2009 Posts: 265 Images: 5	BTW, welcome aboard - hope it all gets sorted out with the loan officer. Companies like KBB are often as obtuse as loan officers and lotustalk.com members - the whole irrelevent/redundant step of selecting a bodystyle - ridiculous. __________________ Eric the Bastard, Esq. Sylmar, CA 2005 Buzzbomb Chrome Orange Larini SE Exhaust LETSLA shift kit

10-21-2009, 02:49 AM	#3 (permalink)
Seth W Registered User Join Date: Nov 2003 Location: PDX Posts: 24	thank you thats exactly what I needed

10-21-2009, 05:51 AM	#4 (permalink)
lotusland Registered User Join Date: Oct 2006 Location: San Diego Posts: 179 Images: 7	Have to wonder if it was not Webster rather than Kelley that caused you to be denied....

10-21-2009, 11:58 AM	#9 (permalink)
Seth W Registered User Join Date: Nov 2003 Location: PDX Posts: 24	thanks for the grammar correction, if that's what makes you fell better at night than more power to you

10-21-2009, 01:13 PM	#14 (permalink)
skelliott2 Registered User Join Date: Nov 2007 Location: Humble, TX Posts: 244	You might also try other financial institutions. We always use Pentagon Federal Credit Union for car notes as they consistently have the lowest car rates out there. Their current rate is 3.99% for up to 60 months on used and up to 72 months on new. I just refinanced the Elise to drop my rate. You can become a member by joining MOAA, so you do not have to be military.

10-21-2009, 01:43 PM	#16 (permalink)
Seth W Registered User Join Date: Nov 2003 Location: PDX Posts: 24	No worries about people being a bunch of jackasses I've been on the MR2 forums for over 7 years now so I'm used to it. I remember listening to a NPR segment about how people feel it's their duty to correct others on grammar and what sort of people they tend to be. yeah occasionally you do tend to get some useful information from people who actually know what they are talking about vs posting things from what they have heard. I have about the same amount of respect for those into cars but cant even change their oil.

10-21-2009, 01:59 PM	#19 (permalink)
mrcarcrazy Registered User Join Date: Jan 2009 Location: Midland, TX Posts: 690	Aren't we touchy? Calling people names won't get you far. just a headsup. Just blow it off as nothing, and you'll be much better off. Well except Eric, b/c he even calls himself a bastard. and he hates me (born after 1980). Anywho, skelliott what is MOAA? 3.99% sounds good to me. __________________ 2005 Magnetic Blue Elise - "the Lotus" (original I know) 2001 Jeep Wrangler - "soul crusher". If you dont GET it after you drive it, then you dont GET it - serpent

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