Imports, generally speaking, cost more money than similar domestic models. Luxury cars are always more money than non-luxury cars with similar years and mileage. Trucks and SUVs are usually more money than non-trucks and SUVs with similar years and mileage.

With all of the above types of vehicles, we always run into the same issues. If the lender will approve it, we can get you into those vehicles, but the payment is usually higher because you are usually spending more money.

If the lender will not approve the higher payment, we need to convince the lender to do a slightly older car with more miles on it, which will usually shorten the term and increase the payment. Otherwise, it is just another situation where the buyer might need to increase their down payment.