VOoDOoGTX

Looking to finance my new car through a local bank. I got real good credit and a good reputation with this particular bank. The question is that im gonna get a car loan for the S4 the cars worth 13k according to KBB but its a Stg 3 S4 and he wants 23000 for it. is it possible to explain that the mods make it worth the buy or is it a lost cause?

Schumiusedtowin

I go with lost cause

VOoDOoGTX

yeah i think soo too haha

S40RCE:Smurf

First it was an S4...now its Stg 3, dude don't kill yourself seriously

5speed6 v.2

Do yourself a favor...go to an Audi dealer and lease a new A4.

2PUTT

get a cheap car, finish school, and then get the car you want.

VOoDOoGTX

yeah your probably right ill grab up a stg 2 S4 or somthing.

quattrothatcould

I can imagine your insurance is going to raise your rates fairly high when they find out that you bought an often stolen, very fast 370hp car. Just get another B5 A4 and keep it stock. Wait until your rates go down from this accident, and then pick up an S4. It's just my two cents; in the end, its your money and you can do what you wish.

paulroad

banks, like insurance companies don't care about mods. ALL they care about is the wholesale/auction value of the collateral along with your credit and your ability to pay for the loan.

The weaker your cridt and your ability translates to the higher the interest rate you will pay.

The lower value of the car translates to the amount they are willing to risk. This amount can also change according to your own assets and ability and credit.

However, I strongly beleive you should be driving an old volvo

Cooper993

I see a Darwin award candidacy in your future. Also the bank won't care what stage the car is.