What's up with Honda Finance and their hyper specific loyalty bonus?

SilverRocket

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Posting here just to get some outside opinion/perspective.

My wife and I are looking to get a 2026 Civic Sedan Sport Hybrid and there is a program with HF where owners currently leasing or financing get $500 or more loyalty bonus.

I thought to myself great, the Integra is eligible so another $500 off........ Except no. They want to do a hard pull credit check for me as co-signer even though my wife qualified by herself and they're not willing to make any exceptions. I first tried "same address", marriage certificate, heck I even asked if they could co-sign me with a soft pull. Nothing.

They keep on ping ponging me between HF and the dealership with bullshit excuses or outright lies. Biggest surprise is that the dealership is doing squat to help us considering they technically have no skin in the game since the rebate is coming from Honda corporate. Wondering if I should walk just from the deal and see another dealer willing to try or if they're all like this.
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V3N0M_VZL4

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If you walk out they for sure call you back then you shave some $$$$ off, remember dealer guys aren't your friends.
 

Erkul

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I don’t see it as a current offer on Hondas site. Seems like a hassle just to give it to you. I can understand if they have stipulations if your wife isn’t a customer and you are and she is applying for the credit that does make sense.
 
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SilverRocket

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I don’t see it as a current offer on Hondas site. Seems like a hassle just to give it to you. I can understand if they have stipulations if your wife isn’t a customer and you are and she is applying for the credit that does make sense.
As written, she's not entitled to it but you would think they'd make an exception seeing as I, her husband at the same address, currently has an ongoing finance and a second one from 2013-2017.

Anyway, long story short I co-signed, got the $500 and plan on consolidating the loans under my HELOC to save a few extra thousand in interest.
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