OP, are you required to use GM Financial? Seems to me that you could offer a better deal thru a more competitive lender. For example, let's say you shopped around a 825 credit score to some of your banks (which might be a nice change of pace from the 500's and 600's out there, but that's another story for another time) and the same lender that a buyer could finance thru directly at 3.9% would be happy to buy that same loan from you at 3.9%. You'd then resell it at 4.9% - or 5.25% - at least you'd make a point on the deal? At 4.9%, that 50,000 loan would be ~802/72. The 6.9% 48,500 loan now comes in at $824.55 - you'd still be able to show $22.00 in monthly value to your buyers without the rebate, and improve your loan attach rate at the same time. Why would you not do that? On a related note, how do you get paid (as an F&I guy, not the overreaching deal with backend funding) on the 0.0% rate loans?
Originally, I asked the Finance Question that was in other thread, except I hadn't read that old thread and I saw it had blown up. I was going to delete, it, but as I did, OP responded.
Totally agree with all of this. Everyone that has been in my High Country compliments the seats (have the two-tone brown and black) and how great the radio sounds. I use Apple CarPlay most of the time, when I looked at the Ram 12" screen with CarPlay running, it only used 1/2 of the screen, what Ram calls the "top card" and the "bottom card" is used for something else, nav/phone/climate, etc. Seemed like a waste of space to me. Oh, and the head up display in the tech package rocks, too. Of course, everyone is entitled to their opinion, and I was not a fan of all of the western cowboy leatherwork in the Ram interior - that great big embroidered "Limited" logo on the center console does absolutely nothing for me. I much prefer the simple look of the GM interior.
OP Here. To Clarify I have UHS and UV6. Same set up as OnTheReel.
Not disagreeing with anything in your post - but bear in mind that what seems to be the issue is that some UHS cluster equipped trucks display enhanced info in the HUD, and some don't. Nothing in the order guide points to that difference.
On The Reel, I see what you are getting at. My mistake here is that I took the GM Engineer word for gospel. I went back and look at my build sheet, and, I have both UHS and UDD listed for my non-radio displaying display. To clarify, do you have the radio info on your display? Back to GM on Monday for more clarification!!
With the help of fellow member eppieguy (who gave me his VIN that I could compare against mine with the GM Engineers) I have been able to find out some more information about the Head Up Display that is part of the Tech Package option, to find out why some trucks show radio song and phone info and some don't. Although there is only 1 option package (Tech Package) available to order the Head Up display, two RPO Codes can potentially ship with the 2019 Silverado and Sierra Tech Package: UDD and UHS. Only UHS shows the radio, song and phone info in the Head Up Display. Here is the RPO information for the 2 Displays: UDD DISPLAY INSTRUMENT DRIVER INFO ENHANCED (MULTI COLOR GRAPHIC) UHS DISPLAY INSTRUMENT DRIVER INFO ENHANCED (MULTI COLOR ENHANCED GRAPHIC ) The GM engineer went on to say that there is no way to predict which was used when, and there is no upgrade path from UDD to UHS, apparently there are harness and hardware differences more than just the dash cluster. You can't order specifically 1 vs the other - you get whichever is available in the line on build day, and the trim package ordered (AT4/Denali, LTZ/High Country) does not trigger a particular RPO. So, if you want to make sure you have the enhanced display, confirm your build sheet has UHS listed in the RPO List. If I had known this before I took delivery of my Truck i would have looked harder at the Head Up Display and confirmed the RPO Code. I'm somewhat disappointed in this news, I bought what I thought was the top optioned High Country and that was not what I got. I have not decided if I want to pursue the conversation with GM to confirm there is indeed no upgrade path that might be available.
My Dealer had no issue with early refinancing - at closing they clearly pointed out that there was no penalty for closing the GMF loan early. Went from 5.9 to 3.7 with a drop of ~ 28/month over 72 months - $2000 in interest savings, on top of the $1500 credit by using GMF financing in the first place.
Thats interesting - I also have a 19 HC, built 8/30/18, and I do not have Channel Display on HUD. I'm on build 501, however, I do have the 5.3. I see in your profile that you have the 6.2. I see further up the thread that Smoothie also has the 6.2, and has the Channel Display. I wonder if that's going to be the identifier that identifies the difference? Build Date, Software Build do not seem to make a difference. Hopefully others will chime in with their engine displacement to confirm.
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