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Survey of Fico and Annual Income

Discussion in 'How to Buy a Kia Stinger' started by kevin, Jun 26, 2018.

  1. kevin

    kevin United States Member

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    Good evening to all, was just curious on everybody’s story who has bought a Stinger, as to annual income and Fico Score at time of Purchase.. Thought it would be an interesting New Thread.
    I am gonna get my car this year, still plugging away at a couple variables with my currrent trade in.
    My score is 700 Fico
    And income is around 50K per year.
     
  2. DiabloStinger

    DiabloStinger United States Active Member

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    I’d share but I don’t like to gloat
     
    • Agree Agree x 2
  3. Paul32

    Paul32 United States Stinger Enthusiast

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    After getting the Stinger I think my FICO went up 50 points.......
     
  4. kevin

    kevin United States Member

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    I was curious to see everyone’s answers and different scenarios, I think this thread could be encouraging if not taken out of context.
     
  5. eflyguy

    eflyguy United States 1000 Posts Club! Staff Member Moderator

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    I'm certain I'm not alone in saying "heck no".. my personal financial situation is just that - personal.

    I'm also certain that a significant number of owners have numbers much higher than those, but chose to finance or lease not because they can't afford to pay cash, but because it makes more financial sense not to. Value of any currently owned vehicles doesn't enter the equation. When I "bought" my current Sorento, it was 0% interest. Hard to walk away from free money!
     
    • Agree Agree x 5
  6. ScottM

    ScottM United States Active Member

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    850, $600,000 per year. ;)
     
    • Funny Funny x 1
  7. forzanerazzurri

    forzanerazzurri Canada Active Member

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    Um, ya thats not exactly how it works...
     
  8. Paul32

    Paul32 United States Stinger Enthusiast

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    Don't understand your comment???
     
  9. kevin

    kevin United States Member

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    Look guys, I am not probing here, I am detecting some peeps getting upset ?? I started this thread as a means to encourage people seeking to lease/purchase the Stinger. I think it’s encouraging to know that Kia Finance will offer this car to people with a 620 Fico score. Maybe if more people realize this fact, we can get more people in the car!!
     
  10. ScottM

    ScottM United States Active Member

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    To quote someone from above...that's not exactly how it works. Meaning; there are more factors at work than FICO and income. Debt to income comes to mind. How many people on the loan. Revolving credit accounts. Blah, blah.

    In any event, I'm personally not upset about the question...it's just not a good indicator of if someone will get the KIA loan to purchase or lease a stinger.
     
  11. Jayce

    Jayce United States Active Member

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    Yeah, I think the best way to find out whether you can lease/finance one is to just go to the dealer and see or secure financing before you go.
     
  12. Bear

    Bear United States Active Member

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    On my McDonalds salary...I barely afforded it, but I managed.

    Like mentioned above...

    I think you won’t get many honest answers and probably because many view financial status as personal.
     
    • Agree Agree x 1
  13. forzanerazzurri

    forzanerazzurri Canada Active Member

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    Zero percent financing isnt "free" money. Just like how Healthcare in Canada isnt "free" either.
     
  14. SteveCo

    SteveCo Canada Stinger Enthusiast

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    Yeah, that's not going to happen ... :lipsaresealed: I'd think twice about posting my shoe size online, much less put my financials up for public viewing ... :p You'd be amazed how successful automated software is at piecing scraps of seemingly isolated personal information together, from various online sources - like forum postings.

    If you're interested to know how much purchasing power you have for a vehicle, any bank will be delighted to do a comprehensive review of your finances and current obligations (including income and credit rating) and give you a 'pre-approved' loan number. Good luck, and hope a Stinger is on the horizon! :thumbup:
     
    • Agree Agree x 2
  15. Kamauxx

    Kamauxx United States 1000 Posts Club!

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    Man I'm jealous. My FICO is 315 and I make $7k a year.

    I live in my Stinger and sleep in the hatch. :cry:
     
    • Funny Funny x 2
  16. Weareblondi

    Weareblondi Canada Stinger Enthusiast Staff Member Moderator

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    your score is 315!!!! and 7k a year!!!!! adopt me!!!! my score is so low it needs theoretical mathematic equations and a degree in physics to see its theoretical number value. but, i own the stinger, but i am missing several body parts and internal organs that weren't needed. but on the plus side, i fit in the back seat now.
     
    Last edited: Jun 28, 2018
    • Funny Funny x 2
  17. eflyguy

    eflyguy United States 1000 Posts Club! Staff Member Moderator

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    Just. read. what. you. posted.

    Holy sh!t...
     
  18. ScottM

    ScottM United States Active Member

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    Well. he. is. right. The money still needs to be paid back, it's not free money. It's like zero interest credit cards. Semantics I guess. To me...free money is winning a lottery. Of course you have to pay taxes and such, but even if there's $1 left over...it's a free and clear dollar or "insert your currency here". :coffee:
     
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