2024 Acura MDX — dealer APR is higher than my credit-union preapproval

Title status is the whole conversation. If the 2024 Acura MDX still shows a lien, coordinate payoff with the lender before any cash changes hands. Then you'll know the next fork. Happy to compare notes if your setup is different. Might be overthinking it, but I'd rather overthink than overspend.

I'd treat this like cash with a paper trail. Bill of sale, VIN, odometer, and names matching the title — I'd want all four on the 2024 Acura MDX. Then you'll know the next fork. On “dealer apr is higher than my credit-union,” that was the fork that mattered for me. Run the total, not the monthly, before you commit. If GAP is bundled I'm making them unbundle it.

OP here. Still looking, but I'm waiting on inspection notes before I send money on the 2024 Acura MDX. Going to compare one more dealer before I decide.

Title status is the whole conversation. Meet at a bank or dealer title office for the 2024 Acura MDX, not a parking lot at night. I'd do that before spending real money. That's the whole play. I'd sleep better after that step, even if it finds nothing. I'll post OTD once I have two apples-to-apples sheets.

Don't get cute with the meetup or the payment. A rushed deposit before you can inspect the 2024 Acura MDX is enough reason to walk. Then you'll know the next fork. This is from a 2024 Acura MDX in Los Angeles. Post the numbers (or the code) and people can get more specific. If the title is messy I'm out, full stop.