DrivingSense - Opportunity Vehicles MAY-JUNE 2014 RESIDUAL BOOK PERIOD IMPORTANT TIME SENSITIVE ANNOUNCEMENT - AFG Dealership Calculator Conversion: All active dealerships working with AFG lenders are currently being transitioned to AFG s newly released dealer calculator. This new calculator is designed to be more dealer friendly and also positions AFG to continue adding dealer specific enhancements intended to streamline and improve on the current quoting processes. If you have not received a notification regarding this conversion, please contact your AFG Account Manager immediately for the details. DrivingSense is the national brand name for Auto Financial Group s (AFG s) Residual Based Financing (RBF) program, but many lenders offering this program have elected to co-brand the program under different names. Due to the variety of co-branding nationally, the term RBF is used in place of Driving Sense or any of the co-branded names listed in the blue panel on the right. This list has been provided to assist you in locating the lender in your region by the co-branded names the lender elected to use. VIN decoder addition to AFG s CarBuilder Calculator: AFG recently released the addition of this newest enhancement to the calculator. Simply type or paste the VIN into the calculator and AFG s VIN decoder will automatically build your vehicle. Links to downloadable updated AFG User Guides featuring the VIN decoder and all of the other recently introduced improvements to AFG Calculator 14 are available to both lender and dealer calculator users on the home screen of the carbuilder calculator after logon. To access this information, simply log in and click on the Support Materials & Video link located at the bottom left corner of the home page screen view. AND if you would like to learn more about the new enhancements or simply would like refresher training on the quoting process, you can sign up anytime for AFG s free online lenders and dealer training webinars on the 2 nd and 3 rd Wednesdays of every month. Register for training by (1) clicking on the Online Training link, (2) click on the blue register in the training description of the session week you wish to attend, and (3) complete the registration by entering the information requested on the final screen for the training month selected. Sessions are 45 minutes with extra time allotted for Q&A if needed. AFG s Dealer Inventory Download (DID) 2014 edition software! DID not only automatically calculates AFG s residuals on participating dealers inventory, it also is an instant source of identifying opportunity vehicles with the best RBF payment savings on the dealers lots. If your dealer is not using DID and you are interested in learning more about what it does and how it can increase your dealership s productivity and profitability! OR, if you are ready to move forward and give DID a test drive, call your AFG Account Manager today for more information on DID and its many other benefits! Pre-Owned Vehicle Opportunity Hot List What s on this current Pre-Owned Opportunity Hot List? Great 2013 pre-owned opportunities, driven by LARGE numbers of a variety of factory program vehicle RETURNS and returned Hi-Line RAC units are listed below. Available advance is SUBSTANTIAL!!!! The 2013-2010 rental returns also present great opportunities. During each Automotive Leasing Guide (ALG) book period, there are always particularly advantageous opportunities based on the relationship between selling price and residual value. This MAY-JUN book period, is no exception. A quick glance at the following examples will show there are vehicles that savvy dealers will want to acquire as inventory and market to build traffic and generate profit. The Pre-Owned Opportunity Hot List and New Vehicle Hot List are intended to help Lenders and Dealers identify the best AFG RBF vehicles. Note: Loan term offerings and underwriting guidelines will vary by lender.
Year / Make / Model Pre-Owned Vehicle Opportunity "Hot List" Recent Sales Miles Wholesale + $2,500 AFG RBF Conv. Fin. 36 60 48 / 60 / 72 2011 Acura TL FWD 4dr Sdn 100 35,000 $22,900 $322 $270 $507 / $411 / $348 2011 Acura TSX FWD 4C 4dr Sdn 100 34,000 $21,200 $359 $286 $469 / $381 / $322 2013 BMW 3 Series 4dr Sdn 328i Sport 100+ 11,700 $34,200 $487 $425 $757 / $615 / $520 2011 BMW 3 Series 4dr Sdn 328i 175+ 37,300 $23,700 $388 $328 $525 / $426 / $360 2011 BMW 3 Series 4dr Sdn 328xi 350+ 31,000 $25,400 $411 $349 $562 / $456 / $386 2011 BMW 5 Series 4dr Sdn 528i 100+ 38,000 $32,800 $589 $452 $726 / $589 / $498 2011 BMW 5 Series 4dr Sdn 535i 125+ 39,000 $35,100 $634 $485 $777 / $631 / $533 2013 Chevrolet Cruze 4dr Sdn 1LT 150+ 31,000 $16,000 $251 $199 $354 / $288 / $243 2013 Chevrolet Cruze 4dr Sdn 2LT 425+ 36,800 $16,900 $267 $213 $374 / $304 / $257 2012 Chevrolet Cruze 4dr Sdn 2LT 100+ 47,400 $14,900 $224 $183 $330 / $268 / $226 2013 Chevrolet Equinox 2WD 4dr Wgn 1LT 100+ 30,400 $22,200 $378 $293 $487 / $395 / $334 2013 Chevrolet Impala 4dr Sdn LTZ 150+ 32,800 $18,100 $278 $217 $401 / $325 / $275 2013 Chevrolet Impala 4dr Sdn LT 250 31,300 $16,500 $276 $205 $365 / $296 / $251 2012 Chevrolet Impala 4dr Sdn LT 150+ 44,600 $14,750 $247 $186 $326 / $265 / $224 2011 Chevrolet Impala 4dr Sdn LT 200 67,500 $12,300 $228 $160 $272 / $221 / $187 2013 Chevrolet Malibu 4dr Sdn 1LT 175+ 29,300 $18,700 $304 $230 $414 / $336 / $284 2012 Chevrolet Malibu 4dr Sdn 1LT 175 45,300 $15,100 $234 $178 $334 / $271 / $229 2011 Chevrolet Malibu 4dr Sdn 1LT 125+ 46,200 $14,000 $207 $165 $310 / $252 / $213 2013 Chevrolet Sonic 4dr Sdn LT 100+ 29,000 $14,500 $236 $183 $321 / $261 / $220 2013 Chrysler 200 4dr Sdn LX 200 33,000 $15,300 $276 $206 $339 / $275 / $232 2012 Chrysler 200 4dr Sdn LX 150+ 47,500 $13,600 $251 $187 $301 / $244 / $207 2013 Chrysler 200 4dr Sdn Touring 250+ 27,300 $15,900 $278 $210 $352 / $286 / $242 2013 Chrysler 300 4dr Sdn 150+ 33,400 $23,000 $331 $277 $509 / $413 / $349 2013 Chrysler T&C 4dr Wgn Touring 775+ 26,900 $22,500 $354 $287 $498 / $404 / $342 2010 Chrysler T&C 4dr Wgn Touring 150 61,000 $14,900 $259 $196 $330 / $268 / $226 2013 Dodge Avenger 4dr Sdn SE 325+ 30,000 $15,600 $237 $192 $345 / $280 / $237 2012 Dodge Avenger 4dr Sdn SE 150+ 44,400 $13,900 $243 $182 $308 / $250 / $211 2013 Dodge Challenger 2dr Cpe SXT 125+ 20,700 $23,100 $327 $278 $511 / $415 / $351 2013 Dodge Charger 4dr Sdn SE 200+ 27,300 $21,200 $332 $260 $469 / $381 / $322 2013 Ford Edge AWD LTD 375+ 33,000 $26,400 $363 $313 $584 / $474 / $401 2013 Ford Edge FWD SUV 3.5L Ltd 325+ 36,500 $24,600 $338 $293 $545 / $442 / $374 2013 Ford Edge FWD SE 150+ 40,700 $20,200 $289 $244 $447 / $363 / $307 2012 Ford Edge AWD V6 SEL 250+ 24,800 $25,800 $431 $340 $571 / $464 / $392 2011 Ford Edge FWD 4dr SEL 250 35,700 $22,300 $413 $306 $494 / $401 / $339 2011 Ford Edge AWD 4dr Ltd 200+ 38,600 $25,300 $440 $337 $560 / $455 / $384 2013 Ford Escape FWD 4dr SUV SEL 725+ 30,600 $20,800 $283 $249 $460 / $374 / $316 2012 Ford Escape 2WD 4dr Sport Utility XLT 500 43,400 $16,700 $259 $209 $370 / $300 / $254 2012 Ford Escape 4WD V6 4dr SUV Ltd 650+ 24,700 $22,100 $348 $285 $489 / $397 / $336 2011 Ford Escape 2WD 4dr Wgn XLT 225+ 46,800 $16,000 $277 $213 $354 / $288 / $243 2013 Ford Focus 4dr Sdn SE 400 29,200 $15,800 $245 $200 $350 / $284 / $240 2012 Ford Focus 4dr Sdn SE 775+ 28,900 $14,700 $226 $185 $325 / $264 / $223 2012 Ford Focus 4dr Sdn SEL 250+ 33,000 $15,500 $233 $194 $343 / $279 / $236
2012 Ford Focus 4dr Hatchback SE 375+ 28,300 $15,000 $232 $190 $332 / $270 / $228 2013 Ford Focus 4dr Hatchback SE 450+ 33,500 $15,700 $241 $198 $348 / $282 / $239 2011 Honda Accord 4dr Sdn LX 175 38,400 $15,400 $237 $188 $341 / $277 / $234 2011 Honda Accord 4dr Sdn SE 150+ 35,800 $16,800 $253 $202 $372 / $302 / $255 2012 Honda Civic 4dr Sdn LX 215+ 33,400 $15,300 $221 $181 $339 / $275 / $232 2011 Honda Civic 4dr Sdn LX 275+ 34,300 $14,000 $225 $174 $310 / $252 / $213 2011 Honda Pilot 4WD 4dr Wgn EX-L 100+ 42,500 $26,000 $449 $350 $575 / $467 / $395 2013 Hyundai Accent 4dr Sdn GLS 350+ 24,200 $14,200 $240 $188 $314 / $255 / $216 2013 Hyundai Elantra 4dr Sdn GLS 525+ 28,200 $15,800 $220 $183 $350 / $284 / $240 2011 Hyundai Elantra 4dr Sdn GLS 175+ 39,100 $14,000 $252 $188 $310 / $252 / $213 2013 Hyundai Santa Fe 4dr SUV 2.4L Sport 120 30,100 $21,000 $327 $271 $465 / $377 / $319 2013 Hyundai Sonata 4dr Sdn GLS 525+ 27,800 $16,900 $241 $196 $374 / $304 / $257 2011 Hyundai Sonata 4dr Sdn GLS 250+ 45,800 $14,400 $246 $185 $319 / $259 / $219 2012 Infiniti G25 4dr Sdn X 150+ 19,300 $23,000 $291 $260 $509 / $413 / $349 2012 Infiniti G37 4dr Sdn Journey 450+ 21,900 $24,800 $291 $278 $549 / $446 / $377 2012 Infiniti G37 4dr Sdn X 650+ 18,800 $26,100 $306 $294 $578 / $469 / $397 2011 Infiniti G37 4dr Sdn X 375+ 36,100 $23,800 $306 $270 $527 / $428 / $362 2010 Infiniti G37 4dr Sdn X 150 40,300 $21,400 $282 $243 $474 / $385 / $325 2011 Infiniti M37 AWD 4dr Sdn 220 42,000 $27,900 $387 $331 $618 / $501 / $424 2013 Kia Forte 4dr Sdn EX 175+ 26,300 $15,300 $241 $192 $339 / $275 / $232 2013 Kia Optima 4dr Sdn LX 700 27,000 $17,900 $277 $224 $396 / $322 / $272 2013 Kia Soul 4dr Wgn Plus 175+ 28,200 $16,400 $242 $198 $363 / $295 / $249 2011 Lexus ES 350 4dr Sdn 215 33,300 $25,800 $435 $340 $571 / $464 / $392 2011 Lexus RX 350 AWD 4dr Wgn 215+ 34,600 $31,700 $553 $432 $702 / $570 / $482 2010 Lexus RX 350 AWD 4dr Wgn 115+ 52,100 $27,700 $524 $394 $613 / $498 / $421 2012 Lincoln MKX AWD 4dr Wgn 115+ 25,000 $30,900 $494 $402 $684 / $555 / $469 2012 Lincoln MKZ FWD V6 4dr Sdn 250 20,600 $21,100 $306 $268 $467 / $379 / $321 2011 Lincoln MKZ FWD V6 4dr Sdn 150 30,400 $19,000 $321 $257 $421 / $341 / $289 2013 Mazda Mazda3 4dr Sdn Sport 130 33,600 $15,500 $223 $182 $343 / $279 / $236 2013 MB C Class 4dr Sdn C250 Luxury 100+ 17,400 $27,500 $358 $312 $609 / $494 / $418 2011 MB C Class 4dr Sdn C300 Luxury 180 31,200 $24,000 $390 $322 $531 / $431 / $365 2011 MB E Class 4dr Sdn E350 4matic 150 38,000 $30,100 $469 $399 $666 / $541 / $457 2011 Mini Cooper Hardtop 2dr Cpe 125+ 30,300 $17,200 $261 $201 $381 / $309 / $261 2013 Nissan Altima 4dr Sdn 375+ 18,400 $19,500 $307 $233 $432 / $350 / $296 2012 Nissan Altima 4dr Sdn 900+ 29,600 $16,300 $258 $195 $361 / $293 / $248 2011 Nissan Altima 4dr Sdn 1,650+ 33,700 $15,900 $262 $197 $352 / $286 / $242 2010 Nissan Altima 4dr Sdn 400 40,900 $14,500 $237 $178 $321 / $261 / $220 2013 Nissan Altima 4dr Sdn S 575+ 35,000 $17,500 $244 $193 $387 / $314 / $266 2012 Nissan Altima 4dr Sdn S 425+ 45,500 $15,100 $208 $164 $334 / $271 / $229 2013 Nissan Maxima 4dr Sdn S 275+ 24,700 $23,800 $337 $280 $527 / $428 / $362 2011 Nissan Maxima 4dr Sdn S 1,225+ 36,300 $21,100 $320 $256 $467 / $379 / $321 2011 Nissan Rogue AWD 4dr Wgn S 1,000+ 35,000 $18,300 $325 $239 $405 / $329 / $278 2011 Nissan Rogue FWD 4dr Wgn S 325 36,700 $17,300 $332 $237 $383 / $311 / $263 2013 Nissan Sentra 4dr Sdn S 225+ 12,900 $16,800 $275 $215 $372 / $302 / $255 2013 Subaru Legacy 2.5i 4dr Sdn Prem 325+ 13,100 $20,200 $300 $245 $447 / $363 / $307 2013 Subaru Outback 2.5i 4dr Wgn Prem 240 13,600 $25,000 $414 $329 $553 / $449 / $380 2013 Toyota Camry 4dr Sdn LE 225+ 30,900 $18,800 $284 $222 $416 / $338 / $286
The pre-owned examples are approximate and meant only as a starting point. They are based on Manheim Market Report (MMR), with approximately $2,500.00 Gross Profit and no money down. No Tax Title & Liscnese, transportation, buy fees, recon or pack is calculated. The calculation for conventional financing is based on a 3% interest rate and the AFG RBF program rate is 4%. Miles and purchase values are based on Manheim Market Report auction averages. These examples were selected for more than their payments. These are vehicles that are available for purchase based on auction transaction frequency as audited using MMR. Annual allowable miles are calculated at 12,000. NOTE: Watch your mileage bands on vehicles being considered so they don t exceed the maximum mileage allowed by model year on the vehicle at loan origination. The AFG RBF balloon program is a fully insured walk-away balloon payment program. On a 36 month walk-away balloon, the buyer makes 35 payments and when the balloon payment is due the buyer can pay off the balloon through a trade-in, private sale, refinance or simply walk-away. The customer can also pay off the loan anytime during the term of the loan with no prepayment penalty. New Vehicle Hot List What s selling at AFG? This list is based on ACTUAL transaction reports from the past two months. Past performance is no guarantee of future results since Factory programs change regularly.
Auto Financial Group stays in the information loop and assists our Lenders clients and their Dealers compare the AFG balloon program with other competitive offerings, including the captives various lease programs using information sourced in the LeaseScan payment comparison program. For example, if a Ford Dealer, or AFG lender, would like to know how the Ford Motor Credit Red Carpet Lease program stacks up on the new 2014 Ford Fusion compared to the AFG RBF program, call us and we can help you make that determination. We welcome the opportunity to schedule a web conference session and run some comparisons for you. This is a great process for planning advertising and marketing strategy. Please contact us if you have any questions or if there is anything we can do to help your profit efforts! Peggy McCaslin 877-354-4234, Ext 107 pmcaslin@autofinancialgroup.com Holly Bentley 877-354-4234, Ext 106 hbentley@autofinancialgroup.com Stacy Freeman 877-354-4234, Ext. 115 sfreeman@autofinanciagroup.com