bwoodsmn

Take a look at what the current trade in value is for your truck - and look at the replacement cost of a new one. Thats what I did, after a laundry list of issues - it seems that every issue on these forums graced my 2019. I traded that for a new 2021 Silverado, which is so far, so good. The used market is so strong that the financial cost was essentially starting over on payments, of course with no miles. Knock on wood.

Recurring unfixable rear window leaks, a balky 8-speed transmission and random infotainment failures combined with a trade-in offer I couldn’t refuse led me to trade my 2019 Silverado High Country for a 2021 Silverado High Country, and I quickly noticed a few things in the truck. It’s clear to me that GM has figured out some things in the period from 8/18 when my first truck was built, to 2/21 when the 2nd one was built – the build quality and fit is considerably better in the new one. Adding Adaptive Cruise Control and Wireless Carplay make for a very different experience. For example, in my 2019, the HUD Panel that shows the Gap and Speed is virtually a placeholder for what that page does in the 2021 version. The Gap is now animated based on car length, and it changes color from green to amber as the vehicle ahead gets closer. I’m sure that change is a side benefit of adaptive cruise, which my 2019 did not have. Also, in this HUD screen the lane indicators change color from white to green when lane guidance is active, and yellow when it senses the truck is over the line. Lastly, the HUD show much more information (XM radio station changes, and phone status, for example) that make the HUD much more useful. I rarely used that page in the 2019, and I have used it almost exclusively in the 2021. The IOT radio is better sorted now, as well. The 2019 radio home screen shows 2 icons for the same iPhone – 1 for Bluetooth, and 1 for a wired connection. I had to choose which I wanted to use, now the 2021 has a single icon option, it appears to primarily use Bluetooth (or wi-fi with airplay), and is only using the wire for charging. I can’t confirm the wireless mode, but what I can confirm is that the user experience with the single connection make for very easy switching between sources, and the radio does not stumble, or show a black screen and restart as my early 2019 unit did. The truck recognizes my phone as soon as the wakeup cycle is complete. Of course, XM radio is now enhanced with play/pause and there are channel icons and cover art with a new screen, vs the basic display with generic icons on the 2019 version. If I am listening to XM, and I get a text message, Airplay overrides the visual, still playing xm, until I acknowledge the text message, and Siri will speak it, and ask for a response, The radio then goes back to XM, releasing the Airplay screen for the XM one. There you have it, some observations around the user experience with the 2021 Infotainment systems- I’d be interested to see what others that have used both have seen.

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.

High Country 4WD

I have Tour, Sport, Off-Road and Tow Haul on my 4 Wheel Drive. Snow Mode is specific to 2 wheel drive.

I'm guessing that you have 2 wheel drive. 4 wheel drive puts all modes on the rotary switch.

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.