Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

Tried to get a car under VW's foreign lease - failed

Tried to get a car under VW's foreign lease - failed

Old Jun 11th 2017, 4:06 pm
  #1  
Forum Regular
Thread Starter
 
catlover3's Avatar
 
Joined: Jan 2017
Posts: 111
catlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond repute
Default Tried to get a car under VW's foreign lease - failed

So, we need a car.

We arrived three weeks ago (green cards) to LA. Unlike most people it seems, we haven't come out here with jobs to go to, but we are comfortable, financially. I am on paid sabbatical right now, and have a well paying freelance research gig, husband is self-employed (makes television commercials). We also have two properties in the UK that provide us with rental income.


Apparently, this is not enough for VW!

We spent four hours at Santa Monica VW trying to get a lease on Friday. In spite of providing credit reports (UK), bank statements, referees; in spite of having leased VW cars in the UK for the past five years, they need a letter of employment from a US company OR a co-signer, as if we were 18 years old.

They did offer us pre-owned cars (2014 models), with 6K down but they were pretty out of date already (AM/FM radio but no bluetooth - ohmy and anyway, we want a lease.

Are there any other companies we should try that can deal with out situation? As we are currently househuting, we're taking about 8 ubers a day! Husband is on a shoot starting next week too, and ubering will be a pain.
catlover3 is offline  
Old Jun 11th 2017, 5:59 pm
  #2  
BE Forum Addict
 
tom169's Avatar
 
Joined: Mar 2015
Location: NC, USA (ex Yorkshire)
Posts: 4,017
tom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

I don't blame them. Buy a used car and get on your feet.
tom169 is online now  
Old Jun 11th 2017, 7:23 pm
  #3  
Forum Regular
 
Joined: Mar 2017
Location: Oregon
Posts: 84
jellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

I can't imagine any doing a lease or finance without an income source, sorry. Even in the UK without your income VW wouldn't offer a lease. The pre-owned offer sounds like a good deal. We have a 2015 VW and it still has am/fm/cd/aux - boo! Cars here seem to hold their value too, so see it as an investment Better than getting uber and rental cars imo.
jellybean_17 is offline  
Old Jun 11th 2017, 7:35 pm
  #4  
Lt Col (Retd)
 
Pulaski's Avatar
 
Joined: Dec 2001
Location: Dixie, ex UK
Posts: 47,691
Pulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

Originally Posted by jellybean_17 View Post
I can't imagine any doing a lease or finance without an income source, sorry. ....
This. End of story.
Pulaski is offline  
Old Jun 11th 2017, 7:39 pm
  #5  
Forum Regular
Thread Starter
 
catlover3's Avatar
 
Joined: Jan 2017
Posts: 111
catlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

We do have an income source! They verified that, not a problem. Perhaps my post wasn't clear. I am on sabbatical - this means I have a monthly income. And we have two additional monthly incomes from two houses we own and rent out. They verified this, but needed the credit confirmation. This is what we don't have.

Thanks though.
catlover3 is offline  
Old Jun 11th 2017, 7:43 pm
  #6  
Lt Col (Retd)
 
Pulaski's Avatar
 
Joined: Dec 2001
Location: Dixie, ex UK
Posts: 47,691
Pulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

Originally Posted by catlover3 View Post
We do have an income source! They verified that, not a problem. Perhaps my post wasn't clear. I am on sabbatical - this means I have a monthly income. And we have two additional monthly incomes from two houses we own and rent out. They verified this, but needed the credit confirmation. This is what we don't have.

Thanks though.
Your circumstances are very unusual, so you don't fit the credit model. If the situation was reversed, with you being Americans in the UK, you would have exactly the same problem.
Pulaski is offline  
Old Jun 11th 2017, 7:45 pm
  #7  
Forum Regular
Thread Starter
 
catlover3's Avatar
 
Joined: Jan 2017
Posts: 111
catlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

Probably we'd have it worse. The UK is very unwelcoming to immigrants. But in the US, money usually talks.
catlover3 is offline  
Old Jun 11th 2017, 8:16 pm
  #8  
Austin. TX.
 
petitefrancaise's Avatar
 
Joined: Sep 2013
Posts: 5,583
petitefrancaise has a reputation beyond reputepetitefrancaise has a reputation beyond reputepetitefrancaise has a reputation beyond reputepetitefrancaise has a reputation beyond reputepetitefrancaise has a reputation beyond reputepetitefrancaise has a reputation beyond reputepetitefrancaise has a reputation beyond reputepetitefrancaise has a reputation beyond reputepetitefrancaise has a reputation beyond reputepetitefrancaise has a reputation beyond reputepetitefrancaise has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

You could try Mazda - they are usually pretty good with new arrivals but again their program is aimed at salaried immigrants.

Otherwise, Advancial might be worth a try, they are very open to helping new arrivals but in this case you'd be looking at a car loan and the financing % might be high.
It's going to be hard going until you have a decent credit rating in the USA. I would buy a car that will be ok for now with cash/loan. if you get a loan then you can always refinance in a year to get a better rate and if you bought a cheap car then you could just sell it and get the lease car you want.

Have you tried expatride and International autosource? I don't know how it would go with them but it's a worth a try.
petitefrancaise is offline  
Old Jun 11th 2017, 8:29 pm
  #9  
Forum Regular
 
Joined: Mar 2017
Location: Oregon
Posts: 84
jellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond reputejellybean_17 has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

I understand you technically have an income but not in the traditional sense for finance agreements (outside the UK). I'm not sure if you could work something out through your husbands work status? Maybe from an accountant confirming some kind of consultancy employment status? If he were registered as a company then this would work, he would be an employee of his company. Maybe its a long shot or a no shot but the thoughts there
jellybean_17 is offline  
Old Jun 12th 2017, 1:06 am
  #10  
Lost in BE Cyberspace
 
Joined: Jan 2006
Location: San Francisco
Posts: 10,137
Giantaxe has a reputation beyond reputeGiantaxe has a reputation beyond reputeGiantaxe has a reputation beyond reputeGiantaxe has a reputation beyond reputeGiantaxe has a reputation beyond reputeGiantaxe has a reputation beyond reputeGiantaxe has a reputation beyond reputeGiantaxe has a reputation beyond reputeGiantaxe has a reputation beyond reputeGiantaxe has a reputation beyond reputeGiantaxe has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

Originally Posted by catlover3 View Post
Probably we'd have it worse. The UK is very unwelcoming to immigrants. But in the US, money usually talks.
Nothing to do with a country being welcoming or unwelcoming. As you want credit in the form of a lease, what usually talks is a US credit score - which you presumably don't have.
Giantaxe is offline  
Old Jun 12th 2017, 1:19 am
  #11  
Banned
 
Joined: Apr 2013
Posts: 5,154
hungryhorace has a reputation beyond reputehungryhorace has a reputation beyond reputehungryhorace has a reputation beyond reputehungryhorace has a reputation beyond reputehungryhorace has a reputation beyond reputehungryhorace has a reputation beyond reputehungryhorace has a reputation beyond reputehungryhorace has a reputation beyond reputehungryhorace has a reputation beyond reputehungryhorace has a reputation beyond reputehungryhorace has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

Originally Posted by Giantaxe View Post
Nothing to do with a country being welcoming or unwelcoming. As you want credit in the form of a lease, what usually talks is a US credit score - which you presumably don't have.
I didn't even have an SSN when I leased a car here. Money absolutely talks in the US.
hungryhorace is offline  
Old Jun 12th 2017, 3:55 am
  #12  
Forum Regular
Thread Starter
 
catlover3's Avatar
 
Joined: Jan 2017
Posts: 111
catlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

Originally Posted by hungryhorace View Post
I didn't even have an SSN when I leased a car here. Money absolutely talks in the US.
I agree. I've been here 18 days and I already got approved for a credit card. Maybe thats why I had too-high expectations for the car lease.
catlover3 is offline  
Old Jun 12th 2017, 3:58 am
  #13  
Forum Regular
Thread Starter
 
catlover3's Avatar
 
Joined: Jan 2017
Posts: 111
catlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

Originally Posted by Giantaxe View Post
Nothing to do with a country being welcoming or unwelcoming. As you want credit in the form of a lease, what usually talks is a US credit score - which you presumably don't have.
Correct - no credit score. But the foreign lease apparently takes that into account. It just says that we need to earn more than 65k. We do, and they verified it, just not in the form that they like I guess!

I still think the UK is unwelcoming to immigrants. At least in the last few UKIP-py years I've been living there.
catlover3 is offline  
Old Jun 12th 2017, 4:00 am
  #14  
Forum Regular
Thread Starter
 
catlover3's Avatar
 
Joined: Jan 2017
Posts: 111
catlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

Originally Posted by jellybean_17 View Post
I understand you technically have an income but not in the traditional sense for finance agreements (outside the UK). I'm not sure if you could work something out through your husbands work status? Maybe from an accountant confirming some kind of consultancy employment status? If he were registered as a company then this would work, he would be an employee of his company. Maybe its a long shot or a no shot but the thoughts there
Thank you. Good idea!
catlover3 is offline  
Old Jun 12th 2017, 4:00 am
  #15  
Forum Regular
Thread Starter
 
catlover3's Avatar
 
Joined: Jan 2017
Posts: 111
catlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond reputecatlover3 has a reputation beyond repute
Default Re: Tried to get a car under VW's foreign lease - failed

Originally Posted by petitefrancaise View Post
You could try Mazda - they are usually pretty good with new arrivals but again their program is aimed at salaried immigrants.

Otherwise, Advancial might be worth a try, they are very open to helping new arrivals but in this case you'd be looking at a car loan and the financing % might be high.
It's going to be hard going until you have a decent credit rating in the USA. I would buy a car that will be ok for now with cash/loan. if you get a loan then you can always refinance in a year to get a better rate and if you bought a cheap car then you could just sell it and get the lease car you want.

Have you tried expatride and International autosource? I don't know how it would go with them but it's a worth a try.
Good ideas; I'll look into them, thanks!
catlover3 is offline  

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.