Season credit
Give your customers a lower rate, opening fee, or down payment on your credit plans while the season lasts.
If your lot offers credit, during the season you can improve each credit plan's terms: a lower rate, a smaller opening fee, or a lower minimum down payment. Your customers see them in your cars' credit simulator and in the quotes they generate, always as subject to approval.
Before you start
- Your role needs the «Gestionar tabuladores de crédito» ("Manage credit tables") permission. Without it, the «Crédito» ("Credit") section doesn't appear.
- Only your lot's active credit plans appear. If you have none, the «Crédito» ("Credit") section doesn't appear.
- You can get the promotion ready even if your registration is still under review; your customers only see it while the season is running and your participation is active.
Add the promotion to a credit plan
Find the credit plan
In PanelTemporadas ("Panel > Seasons"), open the season and scroll to «Crédito» ("Credit"). Each plan shows its lender and its usual terms: rate, fee, and down payment.
Turn on «Promoción de temporada» ("Season promotion")
The promotion's fields open.
Type the terms you're improving
Fill in one, two, or all three: «Tasa anual de temporada» ("Season annual rate"), «Comisión por apertura» ("Opening fee"), and «Enganche desde» ("Down payment from"). Below each one you see its usual value («Tasa normal», «Comisión normal», «Enganche normal»: "Regular rate", "Regular fee", "Regular down payment"). Leave empty the ones you don't change.
Write the requirements
In «Requisitos» ("Requirements"), write what your customer needs for the promotion, between 10 and 600 characters. For example: «Identificación oficial, comprobante de domicilio y de ingresos. Sujeto a aprobación de la financiera.» ("Official ID, proof of address and income. Subject to lender approval.").
Save
Tap «Guardar promoción» ("Save promotion"). You see «Guardamos la promoción de este crédito.» ("We saved this credit plan's promotion.").
Each season term has to be better than the usual one: the rate, lower than your regular rate and above 0%; the fee and the down payment, lower than the regular ones. The down payment can go down to 0%.
Remove the promotion
Turn off «Promoción de temporada» ("Season promotion"). You see «Quitamos la promoción de este crédito.» ("We removed this credit plan's promotion.") and your customers see the usual terms again.
What your customers see
While the season lasts, in your cars' credit simulator:
- If you lowered the rate, they see «Tasa de El Buen Fin» ("El Buen Fin rate", or the season's name) and, next to it, «Tasa normal» ("Regular rate") with your usual rate struck through.
- If you only lowered the fee or the down payment, they see «Promoción de El Buen Fin» ("El Buen Fin offer") with the new term and the usual one.
- They always see your requirements, «Sujeto a aprobación de la financiera.» ("Subject to lender approval.") and «Válida hasta el» ("Valid through") the season's last day.
- The simulator's monthly payment is already calculated with the season terms.
When the simulator is shown in English, these lines appear in English.
In the quote they download, the line «Tasa de El Buen Fin» ("El Buen Fin rate") appears, with the regular rate next to it if you lowered it.
The lender decides
The promotion is your offer, not an approval. Make sure the lender backs those terms before you publish them.
When the season ends, your credit plans go back to their usual terms on their own.
Scenarios
The usual case
You lower the rate
Your plan has a 15.9% rate and you set 12.9%. During the season your customers see «Tasa de El Buen Fin 12.9%» ("El Buen Fin rate 12.9%") with 15.9% struck through, and the monthly payment goes down.
Something doesn't work the first time
You only lower the down payment
You keep the rate and lower the down payment from 20% to 10%. Your customers see «Promoción de El Buen Fin» ("El Buen Fin offer") with «Enganche desde 10%» ("Down payment from 10%").
Worst case
You type an equal or higher rate
It isn't saved: the season rate has to be lower than your regular rate.
Special case
You deactivate the credit plan on your lot
The promotion stops showing along with the plan. If you deactivate it while you're editing, you see «Este crédito ya no está activo en tu lote.» ("This credit plan is no longer active on your lot.").
Errors and how to fix them
What you see · Credit, when saving
«Elige al menos una condición de temporada: tasa, comisión o enganche.»
Choose at least one season term: rate, fee, or down payment.
What it means. You left all three terms empty.
What to do.
- Type at least one, or turn off «Promoción de temporada» ("Season promotion").
What you see · Season annual rate
«La tasa de temporada tiene que ser menor a tu tasa normal (…).»
The season rate has to be lower than your regular rate (…).
What it means. The rate you typed is equal to or higher than the usual one.
What to do.
- Type a rate lower than the one in parentheses, or leave the field empty.
What you see · Season annual rate
«La tasa de temporada tiene que ser mayor a 0%.»
The season rate has to be above 0%.
What it means. You typed 0%.
What to do.
- Type a rate above 0%.
What you see · Opening fee
«La comisión de temporada tiene que ser menor a la normal (…).»
The season fee has to be lower than the regular one (…).
What it means. The fee is equal to or higher than the usual one.
What to do.
- Type a lower fee, or leave the field empty.
What you see · Down payment from
«El enganche de temporada tiene que ser menor al normal (…).»
The season down payment has to be lower than the regular one (…).
What it means. The down payment is equal to or higher than the usual one.
What to do.
- Type a lower down payment, or leave the field empty.
What you see · Opening fee
«Este crédito ya no cobra comisión por apertura.»
This credit plan already charges no opening fee.
What it means. Your regular fee is already 0%; there's nothing to lower.
What to do.
- Leave the field empty.
What you see · Down payment from
«Este crédito ya no pide enganche mínimo.»
This credit plan already asks for no minimum down payment.
What it means. Your regular down payment is already 0%.
What to do.
- Leave the field empty.
What you see · Any term
«Escribe un porcentaje, por ejemplo 12.5.»
Type a percentage, for example 12.5.
What it means. What you typed isn't a percentage.
What to do.
- Type just the number, with up to two decimals.
What you see · Requirements
«Escribe los requisitos de la promoción (al menos 10 caracteres).»
Write the promotion's requirements (at least 10 characters).
What it means. The requirements are empty or too short.
What to do.
- Write what your customer needs for the promotion.
What you see · When saving
«No tienes permiso para cambiar los créditos de este lote.»
You don't have permission to change this lot's credit plans.
What it means. Your role doesn't have the credit permission.
What to do.
- Ask the lot's owner or an admin to give you «Gestionar tabuladores de crédito» ("Manage credit tables").
What you see · When saving
«Este crédito ya no está activo en tu lote.»
This credit plan is no longer active on your lot.
What it means. The credit plan was deactivated while you were editing it.
What to do. Nothing; it no longer appears in your credit plans.