ownerdomain=gamboahinestrosa.info managerdomain=revbid.net revbid.net, 6953, DIRECT # RevBid + Adagio <3 adagio.io, 1397, RESELLER rubiconproject.com, 19116, RESELLER, 0bfd66d529a55807 improvedigital.com, 1790, RESELLER onetag.com, 6b859b96c564fbe, RESELLER appnexus.com, 13099, RESELLER, f5ab79cb980f11d1 pubmatic.com, 161593, RESELLER, 5d62403b186f2ace rubiconproject.com, 11006, RESELLER, 0bfd66d529a55807 33across.com, 0015a00002oUk4aAAC, RESELLER, bbea06d9c4d2853c yahoo.com, 57289, RESELLER, e1a5b5b6e3255540 appnexus.com, 10239, RESELLER, f5ab79cb980f11d1 rubiconproject.com, 16414, RESELLER, 0bfd66d529a55807 pubmatic.com, 156423, RESELLER, 5d62403b186f2ace rubiconproject.com, 21642, RESELLER, 0bfd66d529a55807 conversantmedia.com, 100141, RESELLER indexexchange.com, 191973, RESELLER, 50b1c356f2c5c8fc triplelift.com, 12503, RESELLER, 6c33edb13117fd86 e-planning.net, 83c06e81531537f4, RESELLER, c1ba615865ed87b2 pubmatic.com, 156631, RESELLER, 5d62403b186f2ace openx.com, 541031350, RESELLER, 6a698e2ec38604c6 rubiconproject.com, 12186, RESELLER, 0bfd66d529a55807 pubmatic.com, 159110, RESELLER, 5d62403b186f2ace indexexchange.com, 194558, RESELLER smartadserver.com, 3554, RESELLER pubmatic.com, 156439, RESELLER, 5d62403b186f2ace pubmatic.com, 154037, RESELLER, 5d62403b186f2ace rubiconproject.com, 16114, RESELLER, 0bfd66d529a55807 openx.com, 537149888, RESELLER, 6a698e2ec38604c6 appnexus.com, 3703, RESELLER, f5ab79cb980f11d1 loopme.com, 5679, RESELLER, 6c8d5f95897a5a3b video.unrulymedia.com, 2564526802, RESELLER pubnative.net, 1006576, RESELLER, d641df8625486a7b admanmedia.com, 43, RESELLER sharethrough.com, OAW69Fon, RESELLER, d53b998a7bd4ecd2 lijit.com, 367236, RESELLER, fafdf38b16bf6b2b openx.com, 538959099, RESELLER, 6a698e2ec38604c6 pubmatic.com, 137711, RESELLER, 5d62403b186f2ace pubmatic.com, 156212, RESELLER, 5d62403b186f2ace rubiconproject.com, 17960, RESELLER, 0bfd66d529a55807 freewheel.tv, 1568036, RESELLER freewheel.tv, 1568041, RESELLER openx.com, 558899373, RESELLER, 6a698e2ec38604c6 video.unrulymedia.com, 5672421953199218469, RESELLER rubiconproject.com, 17960, RESELLER, 0bfd66d529a55807 adform.com, 2865, RESELLER appnexus.com, 12290, RESELLER, f5ab79cb980f11d1 appnexus.com, 9393, RESELLER, f5ab79cb980f11d1 indexexchange.com, 191503, RESELLER, 50b1c356f2c5c8fc openx.com, 559680764, RESELLER, 6a698e2ec38604c6 rubiconproject.com, 23844, RESELLER, 0bfd66d529a55807 smartadserver.com, 3056, RESELLER, 060d053dcf45cbf3 yahoo.com, 49648, RESELLER pubmatic.com, 161527, RESELLER, 5d62403b186f2ace pubmatic.com, 158355, RESELLER, 5d62403b186f2ace lijit.com, 260380, RESELLER, fafdf38b16bf6b2b sovrn.com, 260380, RESELLER, fafdf38b16bf6b2b appnexus.com, 11924, RESELLER, f5ab79cb980f11d1 amxrtb.com, 105199747, DIRECT advertising.com, 28305, RESELLER appnexus.com, 11786, RESELLER, f5ab79cb980f11d1 connectad.io, 1397, RESELLER rubiconproject.com, 26800, RESELLER, 0bfd66d529a55807 admanmedia.com, 2216, RESELLER connectad.io, 456, RESELLER, 85ac85a30c93b3e5 rubiconproject.com, 26800, RESELLER, 0bfd66d529a55807 # RevBid + AdYouLike <3 adyoulike.com, 4db16f63a44a8089eb24922002e88ad0, DIRECT appnexus.com, 7664, RESELLER, f5ab79cb980f11d1 pubmatic.com, 160925, RESELLER, 5d62403b186f2ace rubiconproject.com, 20736, RESELLER, 0bfd66d529a55807 adform.com, 3296, RESELLER, 9f5210a2f0999e32 richaudience.com, JAHJ4YZq4O, RESELLER lijit.com, 408376, RESELLER, fafdf38b16bf6b2b Media.net, 8CU1G827Y, Reseller smilewanted.com, 1494, RESELLER onetag.com, 7a07370227fc000, RESELLER risecodes.com, 64c7a4acd6298f0001a7d867, RESELLER nativo.com, 5848, RESELLER, 59521ca7cc5e9fee nobid.io, 50603, RESELLER adipolosolutions.com, 23015084430, RESELLER smartadserver.com, 4144, RESELLER copper6.com, 766102, RESELLER video.unrulymedia.com, 297618916, RESELLER 33across.com, 0010b00002Xbn7QAAR, RESELLER, bbea06d9c4d2853c thebrave.io, 1234679, RESELLER, c25b2154543746ac indexexchange.com, 190532, RESELLER, 50b1c356f2c5c8fc triplelift.com, 10504, RESELLER, 6c33edb13117fd86 sharethrough.com, UN5mGpO8, RESELLER, d53b998a7bd4ecd2 amxrtb.com, 105199830, RESELLER loopme.com, 11362, RESELLER, 6c8d5f95897a5a3b openx.com, 539466082, RESELLER, 6a698e2ec38604c6 trustedstack.com, TSNC78R17, RESELLER gamoshi.io, 267-b6098, RESELLER, 20e30b2ae1f670f2 videoheroes.tv, 212690, RESELLER, 064bc410192443d8 yieldmo.com, 3482865003332051270, RESELLER video.unrulymedia.com, 639501697, RESELLER strongmetrics.io, 219562, RESELLER vistarsagency.com, cqqccatc23j9v5bv3fv0, RESELLER, 8db795910158017c screencore.io, 276, RESELLER eskimi.com, 2020000792, RESELLER advertising.com, 82643, RESELLER conversantmedia.com, 100292, RESELLER, 03113cd04947736d # RevBid + Sovrn <3 lijit.com, 474880, DIRECT, fafdf38b16bf6b2b lijit.com, 474880-eb, DIRECT, fafdf38b16bf6b2b openx.com, 538959099, RESELLER, 6a698e2ec38604c6 pubmatic.com, 137711, RESELLER, 5d62403b186f2ace pubmatic.com, 156212, RESELLER, 5d62403b186f2ace rubiconproject.com, 17960, RESELLER, 0bfd66d529a55807 appnexus.com, 1019, RESELLER, f5ab79cb980f11d1 video.unrulymedia.com, 2444764291, RESELLER contextweb.com, 558511, RESELLER krushmedia.com, AJxF6R572a9M6CaTvK, RESELLER # RevBid + ImproveDigital <3 improvedigital.com, 2408, RESELLER # RevBid + AdLiveTech <3 adlive.io, 19969, RESELLER themediagrid.com, LVXCEA, DIRECT, 35d5010d7789b49d themediagrid.com, IZLGFV, DIRECT, 35d5010d7789b49d pubmatic.com, 162999, RESELLER, 5d62403b186f2ace rubiconproject.com, 18680, DIRECT, 0bfd66d529a55807 improvedigital.com, 1159, RESELLER # RevBid + Setupad <3 setupad.com, 2424, DIRECT rubiconproject.com, 21118, RESELLER, 0bfd66d529a55807 adform.com, 1484, RESELLER pubmatic.com, 156191, RESELLER, 5d62403b186f2ace smartadserver.com, 3527, RESELLER, 060d053dcf45cbf3 lijit.com, 252889, RESELLER, fafdf38b16bf6b2b openx.com, 540890784, RESELLER, 6a698e2ec38604c6 indexexchange.com, 191541, RESELLER 152media.com, 152, RESELLER adtelligent.com, 534151, RESELLER triplelift.com, 12405, RESELLER, 6c33edb13117fd86 nextmillennium.io, 16454, RESELLER, 65bd090fa4a1e3d6 connectad.io, 416, RESELLER, 85ac85a30c93b3e5 Media.net, 8CU2I176C, RESELLER risecodes.com, 649047cf01889e0001cb85f1, RESELLER 33across.com, 0010b00002bTS1QAAW, RESELLER, bbea06d9c4d2853c onetag.com, 753951255855558, RESELLER #RevBid + Onetag <3 onetag.com, 818fac267e2a1b4, DIRECT onetag.com, 818fac267e2a1b4-OB, DIRECT appnexus.com, 13099, RESELLER, f5ab79cb980f11d1 pubmatic.com, 161593, RESELLER, 5d62403b186f2ace rubiconproject.com, 11006, RESELLER, 0bfd66d529a55807 freewheel.tv, 20393, RESELLER freewheel.tv, 24377, RESELLER # RevBid + AdTarget <3 admatic.com.tr, adm-pub-2977111241, DIRECT, uufps1dh5stc6euk adform.com, 2968, DIRECT, 9f5210a2f0999e32 rubiconproject.com, 25100, DIRECT, 0bfd66d529a55807 criteo.com, B-070303, DIRECT, 9fac4a4a87c2a44f themediagrid.com, DNWTUA, DIRECT, 35d5010d7789b49d adtarget.com.tr, 767666, DIRECT pubmatic.com, 159078, DIRECT, 5d62403b186f2ace adform.com, 2600, DIRECT stroeer.com, 17938, DIRECT # RevBid + E-Planning <3 e-planning.net, f0e8f6477570117b, RESELLER, c1ba615865ed87b2 pubmatic.com, 156631, RESELLER, 5d62403b186f2ace disqus.com, 891, DIRECT zeta.com, 891, DIRECT zetaglobal.net, 891, DIRECT sharethrough.com, 23830661, DIRECT, d53b998a7bd4ecd2 openx.com, 541031350, RESELLER, 6a698e2ec38604c6 triplelift.com, 8446, DIRECT, 6c33edb13117fd86 onetag.com, 5927d926323dc2c, DIRECT nextmillennium.io, 16425, DIRECT, 65bd090fa4a1e3d6 mgid.com, 833178, DIRECT, d4c29acad76ce94f loopme.com, 12858, RESELLER, 6c8d5f95897a5a3b krushmedia.com, AJxF6R489a9M6CaTvK, DIRECT sonobi.com, b812bd55d6, RESELLER, d1a215d9eb5aee9e conversantmedia.com, 41784, RESELLER, 03113cd04947736d Media.net, 8CUT87EOU, DIRECT conversantmedia.com, 41784, DIRECT, 03113cd04947736d 33across.com, 0010b00002ZoRYhAAN, DIRECT, bbea06d9c4d2853c richaudience.com, 9komJKwMhZ, RESELLER google.com, pub-3872674820285626, RESELLER, f08c47fec0942fa0 xapads.com, 162365, RESELLER rtbdemand.com, 23064554446, RESELLER admixer.net, 0cc7386a-d5a3-4b90-aeeb-3e67f8fe, DIRECT video.unrulymedia.com, 827123801, DIRECT pubmatic.com, 160846, RESELLER, 5d62403b186f2ace inmobi.com, 61d733c3779d43e590c51c8bc078e10c, RESELLER, 83e75a7ae333ca9d lijit.com, 380632, RESELLER, fafdf38b16bf6b2b #SOVRN mgid.com, 885240, DIRECT, d4c29acad76ce94f adform.com, 1762, RESELLER video.unrulymedia.com, 827123801, RESELLER video.unrulymedia.com, 2736329702851200000, RESELLER inmobi.com, 9b300ff061ff4501abcdd864e6c1cceb, RESELLER, 83e75a7ae333ca9d sharethrough.com, KGPeiFc6, RESELLER, d53b998a7bd4ecd2 openx.com, 559911747, RESELLER, 6a698e2ec38604c6 pubmatic.com, 164187, RESELLER, 5d62403b186f2ace rubiconproject.com, 26144, RESELLER, 0bfd66d529a55807 trustedstack.com, TSL72ADG4, DIRECT risecodes.com, 673da70c91e2fd000109c6f6, RESELLER crystall.io, 294862, DIRECT lijit.com, 512561, RESELLER, fafdf38b16bf6b2b adyoulike.com, cea2adf686c5179d6d96c9b0bbac777e, RESELLER adyoulike.com, 814ad5a7eb7601cc991ae83a976195b9, RESELLER xandr.com, 13117, RESELLER admatic.de, ade-pub-6537379909, DIRECT, uufps1dh5stc6euk amxrtb.com, 105199734, RESELLER yieldmo.com, 3377199372461613093, RESELLER onetag.com, 87f58fe90234d0e, RESELLER smartadserver.com, 5302, RESELLER, 060d053dcf45cbf3 aceex.io, 2108, DIRECT, b1cf3c874d5c6682 video.unrulymedia.com, 799061815, RESELLER eskimi.com, 2020000186, RESELLER conversantmedia.com, 100066, DIRECT, 03113cd04947736d appnexus.com, 15941, RESELLER, f5ab79cb980f11d1 nglcollective.com, 475, DIRECT kargo.com, 8800, DIRECT tremorhub.com, 51vtw, RESELLER, 1a4e959a1b50034a telaria.com, 51vtw, RESELLER, 1a4e959a1b50034a pubmatic.com, 159933, DIRECT, 5d62403b186f2ace springserve.com, 1247, RESELLER, a24eb641fc82e93d telaria.com, 2auap-ich32, RESELLER, 1a4e959a1b50034a telaria.com, 2auap-45web, RESELLER, 1a4e959a1b50034a rubiconproject.com, 12186, RESELLER, 0bfd66d529a55807 richaudience.com, 25BiP9IMgN, DIRECT pubmatic.com, 163389, RESELLER, 5d62403b186f2ace telaria.com, 2auap-zihku, RESELLER, 1a4e959a1b50034a tremorhub.com, 2auap-ich32, RESELLER, 1a4e959a1b50034a tremorhub.com, 2auap-45web, RESELLER, 1a4e959a1b50034a tremorhub.com, 2auap-zihku, RESELLER, 1a4e959a1b50034a adagio.io, 1417, DIRECT # RevBid + Kueez <3 kueez.com, 023bba2412042299d0702b15b00e4c69, DIRECT appnexus.com, 8826, RESELLER, f5ab79cb980f11d1 rubiconproject.com, 16920, RESELLER openx.com, 557564833, RESELLER lijit.com, 407406, RESELLER media.net, 8cu4jtrf9, RESELLER pubmatic.com, 162110, RESELLER sharethrough.com, n98xdzel, RESELLER 33across.com, 0010b00002odu4haax, RESELLER yieldmo.com, 3133660606033240149, RESELLER onetag.com, 6e053d779444c00, RESELLER video.unrulymedia.com, 3486482593, RESELLER sonobi.com, 4c4fba1717, RESELLER smartadserver.com, 4288, RESELLER zetaglobal.com, 108, RESELLER improvedigital.com, 2106, RESELLER loopme.com, 11576, RESELLER themediagrid.com, uot45z, RESELLER # RevBid + AMXR <3 admixer.net,5ec6caad-1374-4898-b09d-06f75d78bcc0,DIRECT cdn.rtb-stack.com, 5ec6caad-1374-4898-b09d-06f75d78bcc0, DIRECT pubmatic.com, 160846, RESELLER, 5d62403b186f2ace loopme.com, 11488, RESELLER, 6c8d5f95897a5a3b e-planning.net,ec771b05828a67fa,RESELLER,c1ba615865ed87b2 zetaglobal.net, 891, DIRECT video.unrulymedia.com, 851532539, RESELLER admanmedia.com, 1074, RESELLER nextmillennium.io, 16425, RESELLER, 65bd090fa4a1e3d6 onetag.com, 8305cc299686700, RESELLER smartyads.com, 260, RESELLER, fd2bde0ff2e62c5d video.unrulymedia.com, 827123801, RESELLER rubiconproject.com, 15268, RESELLER, 0bfd66d529a55807 pubmatic.com, 159277, RESELLER x.adprime.com, AJxF6R77a9M6CaTvK, RESELLER krushmedia.com, AJxF6R192a9M6CaTvK, RESELLER rubiconproject.com, 26552, RESELLER richaudience.com, 9komJKwMhZ, RESELLER pubmatic.com, 81564, RESELLER, 5d62403b186f2ace rubiconproject.com, 13510, RESELLER google.com, pub-3872674820285626, RESELLER, f08c47fec0942fa0 xapads.com, 162365, RESELLER rtbdemand.com, 23064554446, RESELLER mgid.com, 885240, RESELLER, d4c29acad76ce94f adform.com, 1762, RESELLER smartadserver.com, 3627, RESELLER, 060d053dcf45cbf3 152media.info,152M929,RESELLER appnexus.com, 11924, RESELLER, f5ab79cb980f11d1 # RevBid + ReVantage <3 kueez.com, 023bba2412042299d0702b15b00e4c69,direct appnexus.com,8826,reseller,f5ab79cb980f11d1 rubiconproject.com,16920,reseller,0bfd66d529a55807 openx.com, 557564833, RESELLER, 6a698e2ec38604c6 lijit.com,407406,reseller,fafdf38b16bf6b2b media.net,8cu4jtrf9,reseller pubmatic.com,162110,reseller,5d62403b186f2ace sharethrough.com,n98xdzel,reseller,d53b998a7bd4ecd2 33across.com, 0010b00002ODU4HAAX,reseller, bbea06d9c4d2853c yieldmo.com,3133660606033240149,reseller onetag.com,6e053d779444c00,reseller video.unrulymedia.com,3486482593,reseller sonobi.com,4c4fba1717,reseller,d1a215d9eb5aee9e smartadserver.com,4288,reseller,060d053dcf45cbf3 zetaglobal.com,108,reseller improvedigital.com,2106,reseller adform.com,2926,reseller,9f5210a2f0999e32 start.io, 185522363, reseller loopme.com,11576,reseller,6c8d5f95897a5a3b themediagrid.com,uot45z,reseller,35d5010d7789b49d trustedstack.com, TSIO6G4I5, reseller themediagrid.com, 7H3QAS, RESELLER, 35d5010d7789b49d smaato.com, 1100059464, RESELLER, 07bcf65f187117b4 smaato.com, 1100004890, RESELLER, 07bcf65f187117b4 intenze.co , 200184, DIRECT imds.tv, 82624, RESELLER, ae6c32151e71f19d 152media.info,152M968,RESELLER amxrtb.com, 105199329, RESELLER kueez.com,00f14b9c9ba786f50ea561b30cc33bb0, direct appnexus.com,8826,reseller richaudience.com, 5wLa5vAlFn, RESELLER appnexus.com, 8233, RESELLER adagio.io, 1544, RESELLER rubiconproject.com, 19116, RESELLER, 0bfd66d529a55807 chocolateplatform.com, 21704, RESELLER rubiconproject.com, 24248, RESELLER, 0bfd66d529a55807 screencore.io, 293, DIRECT adyoulike.com, e5bd7e416fd48b8a82c54e94233e5a1e, DIRECT smilewanted.com, 5230, RESELLER pubmatic.com, 158810, RESELLER, 5d62403b186f2ace appnexus.com, 10040, RESELLER rubiconproject.com, 19814, RESELLER, 0bfd66d529a55807 openx.com, 557083110, RESELLER, 6a698e2ec38604c6 smilewanted.com, 5230, RESELLER pubmatic.com, 158810, RESELLER, 5d62403b186f2ace appnexus.com, 10040, RESELLER rubiconproject.com, 19814, RESELLER, 0bfd66d529a55807 openx.com, 557083110, RESELLER, 6a698e2ec38604c6 adscholars.com, 221557, DIRECT ergadx.com, 5258, DIRECT Pubmatic.com, 160881, RESELLER, 5d62403b186f2ace Pubmatic.com, 162147, RESELLER, 5d62403b186f2ace inmobi.com, a465db258ac44b2abb4e100fa019be3c, RESELLER, 83e75a7ae333ca9d rubiconproject.com, 23102, RESELLER, 0bfd66d529a55807 monetixads.com, mix-pub-6611088393, DIRECT, uufps1dh5stc6euk adform.com, 3266, DIRECT improvedigital.com, 1616, RESELLER themediagrid.com, BIH5U6, RESELLER, 35d5010d7789b49d criteo.com, B-064389, RESELLER, 9fac4a4a87c2a44f openx.com, 541163168, DIRECT, 6a698e2ec38604c6 pubmatic.com, 158349, RESELLER, 5d62403b186f2ace #EB pubmatic.com, 158350, RESELLER, 5d62403b186f2ace #TM pubmatic.com, 155968, RESELLER, 5d62403b186f2ace #PB rubiconproject.com, 11398, RESELLER, 0bfd66d529a55807 adform.com, 2668, RESELLER appnexus.com, 11673, RESELLER, f5ab79cb980f11d1 smartadserver.com, 989, RESELLER, 060d053dcf45cbf3 Media.net, 8CU33YS38, RESELLER vi.ai, g-00f44bb9f57d2bb96162c9eda0981f48c2, DIRECT outbrain.com, 0052a42837b505f8ee68b4559b35c4d4d7, DIRECT openx.com, 540393169, RESELLER, 6a698e2ec38604c6 triplelift.com, 11547, RESELLER, 6c33edb13117fd86 improvedigital.com, 1552, Reseller contextweb.com, 562709, RESELLER, 89ff185a4c4e857c aps.amazon.com, 3965, RESELLER freewheel.tv, 1220559, RESELLER freewheel.tv, 1133073, RESELLER sovrn.com, 267974, RESELLER, fafdf38b16bf6b2b adform.com, 2611, RESELLER rubiconproject.com, 19668, RESELLER, 0bfd66d529a55807 indexexchange.com, 190856, RESELLER, 50b1c356f2c5c8fc pubmatic.com, 158615, RESELLER, 5d62403b186f2ace appnexus.com, 7597, RESELLER, f5ab79cb980f11d1 smartadserver.com, 3820, RESELLER video.unrulymedia.com, 367782854, RESELLER indexexchange.com, 193091, RESELLER, 50b1c356f2c5c8fc pubmatic.com, 160065, RESELLER, 5d62403b186f2ace improvedigital.com, 1863, RESELLER freewheel.tv, 1220655, RESELLER google.com, pub-5617098146054077, RESELLER, f08c47fec0942fa0 pubmatic.com, 158055, RESELLER, 5d62403b186f2ace xandr.com, 10736, RESELLER rubiconproject.com, 21506, RESELLER, 0bfd66d529a55807 Indexexchange.com, 190500, RESELLER smartadserver.com,2776,RESELLER openx.com, 540362347, RESELLER, 6a698e2ec38604c6 openx.com, 540362347, RESELLER, 6a698e2ec38604c6 rubiconproject.com, 20086, RESELLER, 0bfd66d529a55807 connectad.io, 508, RESELLER, 85ac85a30c93b3e5 adform.com, 768, RESELLER, 9f5210a2f0999e32 rubiconproject.com, 26800, RESELLER, 0bfd66d529a55807 openx.com, 537145117, RESELLER, 6a698e2ec38604c6 lijit.com, 244287, RESELLER, fafdf38b16bf6b2b openx.com, 538959099, RESELLER, 6a698e2ec38604c6 pubmatic.com, 137711, RESELLER, 5d62403b186f2ace pubmatic.com, 156212, RESELLER, 5d62403b186f2ace appnexus.com, 1019, RESELLER, f5ab79cb980f11d1 rtbhouse.com, f2PMUrbTLheS4d67McTq, DIRECT rtbhouse.com, RcZfc1nKUmkHGXLIwZQb, DIRECT adform.com, 3215, RESELLER appnexus.com, 14416, RESELLER appnexus.com, 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RESELLER, f5ab79cb980f11d1 pubmatic.com, 161593, RESELLER, 5d62403b186f2ace rubiconproject.com, 11006, RESELLER, 0bfd66d529a55807 adform.com, 3215, RESELLER rtbhouse.com, qbax0oJZ14CFN7BQIJcp, RESELLER rtbhouse.com, qYjwzKx0LtW8zyxLj0Qn, RESELLER richaudience.com, kBjBHJPcXM, RESELLER openx.com, 540861995, RESELLER, 6a698e2ec38604c6 openx.com, 558237126, RESELLER, 6a698e2ec38604c6 adform.com, 2904, RESELLER amxrtb.com, 105199787, DIRECT appnexus.com, 12290, RESELLER, f5ab79cb980f11d1 rubiconproject.com, 17960, RESELLER, 0bfd66d529a55807 adform.com, 2865, RESELLER appnexus.com, 9393, RESELLER, f5ab79cb980f11d1 indexexchange.com, 191503, RESELLER, 50b1c356f2c5c8fc openx.com, 559680764, RESELLER, 6a698e2ec38604c6 rubiconproject.com, 23844, RESELLER, 0bfd66d529a55807 smartadserver.com, 3056, RESELLER, 060d053dcf45cbf3 yahoo.com, 49648, RESELLER pubmatic.com, 161527, RESELLER, 5d62403b186f2ace pubmatic.com, 158355, RESELLER, 5d62403b186f2ace lijit.com, 260380, RESELLER, fafdf38b16bf6b2b appnexus.com, 11924, RESELLER, f5ab79cb980f11d1 appnexus.com, 11786, RESELLER, f5ab79cb980f11d1 sharethrough.com, a6a34444, RESELLER eskimi.com, 2020000676, DIRECT temedya.com, f913a7dd-397e-4361-9e22-b27e036b9fbf, DIRECT, 3fa92c7e41b8d605 rubiconproject.com, 24266, RESELLER, 0bfd66d529a55807 admatic.com.tr, adm-pub-3698631073, DIRECT, uufps1dh5stc6euk pubmatic.com, 158849, DIRECT, 5d62403b186f2ace adform.com, 2083, RESELLER rtbhouse.com, Bl90aHDHpnUdxORfqhhI, DIRECT rtbhouse.com, 36401e736811e8034581, DIRECT rubiconproject.com, 25100, RESELLER, 0bfd66d529a55807 rubiconproject.com, 25102, RESELLER, 0bfd66d529a55807 admanmedia.com, 2317, DIRECT inventorypartnerdomain=admanmedia.com pubmatic.com, 165117, RESELLER, 5d62403b186f2ace pubmatic.com, 158481, RESELLER, 5d62403b186f2ace pubmatic.com, 162974, RESELLER, 5d62403b186f2ace rubiconproject.com, 14558, RESELLER, 0bfd66d529a55807 rubiconproject.com, 25386, RESELLER, 0bfd66d529a55807 openx.com, 540866936, RESELLER, 6a698e2ec38604c6 appnexus.com, 15349, RESELLER, f5ab79cb980f11d1 appnexus.com, 12700, RESELLER, f5ab79cb980f11d1 video.unrulymedia.com, 3948367200, RESELLER sharethrough.com, XeKuhSkz, RESELLER, d53b998a7bd4ecd2 33across.com, 0015a00002egvRSAAY, RESELLER, bbea06d9c4d2853c smartadserver.com, 3713, RESELLER, 060d053dcf45cbf3 zetaglobal.net, 757, RESELLER insticator.com,7184c7ca-645a-4e0f-a78c-6d5822b3449f, RESELLER, b3511ffcafb23a32 adyoulike.com, a2226c27fc2a6773f6a2b365e013513a, RESELLER loopme.com, 11386, RESELLER, 6c8d5f95897a5a3b adform.com, 2671, RESELLER smaato.com, 1100058015, RESELLER, 07bcf65f187117b4 richaudience.com, iKKFhsvJ2v, RESELLER yieldmo.com, 2807970144171533194, RESELLER conversantmedia.com, 100308, RESELLER, 03113cd04947736d themediagrid.com, A8X5S7, RESELLER, 35d5010d7789b49d lijit.com, 417620, RESELLER, fafdf38b16bf6b2b sonobi.com, 7b37f8ccbc, RESELLER, d1a215d9eb5aee9e triplelift.com, 12456, RESELLER, 6c33edb13117fd86 amxrtb.com, 105199820, RESELLER media.net, 8CU58PCO4, RESELLER trustedstack.com, TS5UCV3O4, RESELLER improvedigital.com, 2316, RESELLER onetag.com, 818fac267e2a1b4, DIRECT onetag.com, 818fac267e2a1b4-OB, DIRECT appnexus.com, 13099, RESELLER pubmatic.com, 161593, RESELLER, 5d62403b186f2ace rubiconproject.com, 11006, RESELLER, 0bfd66d529a55807 video.unrulymedia.com, 586616193, RESELLER vidazoo.com, 6890de45500e26e74de1f6b7, DIRECT, b6ada874b4d7d0b2 rubiconproject.com, 17130, RESELLER, 0bfd66d529a55807 openx.com, 541017750, RESELLER, 6a698e2ec38604c6 pubmatic.com, 159988, RESELLER, 5d62403b186f2ace appnexus.com, 2794, RESELLER, f5ab79cb980f11d1 lijit.com, 222372, RESELLER, fafdf38b16bf6b2b themediagrid.com, 3AW9JB, RESELLER, 35d5010d7789b49d themediagrid.com, 95QZ48, RESELLER, 35d5010d7789b49d video.unrulymedia.com, 2743945877, RESELLER sharethrough.com, S2rESyUH, RESELLER, d53b998a7bd4ecd2 appnexus.com, 8233, RESELLER richaudience.com, 3MkIAgQBPw, RESELLER media.net, 8CUN4Y5Y3, RESELLER triplelift.com, 11883, RESELLER, 6c33edb13117fd86 datawrkz.com, 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sharethrough.com,Q9IzHdvp,DIRECT,d53b998a7bd4ecd2 risecodes.com,6124caed9c7adb0001c028d8,DIRECT triplelift.com,6998,DIRECT,6c33edb13117fd86 pmc.com,1242710,DIRECT,8dd52f825890bb44 pubmatic.com,95054,DIRECT,5d62403b186f2ace smaato.com,1100058355,DIRECT,07bcf65f187117b4

Used Car 0 APR Finance Your Guide

Understanding the Offer

Interest parkers

Zero percent APR financing on used cars presents an attractive option for buyers, offering the potential to avoid interest charges during the loan term. However, understanding the intricacies of this financing method is crucial to make informed decisions. This section delves into the specifics of 0% APR financing, its implications, and its comparison with other financing options.

Definition of 0% APR Financing

0% APR financing on a used car means that the borrower pays no interest on the loan amount during the specified loan term. This is a significant benefit, potentially saving considerable money compared to loans with standard interest rates.

Implications of 0% APR on a Used Car Loan

The primary implication of 0% APR financing is the elimination of interest charges. This results in a lower total cost of the loan, as the borrower only pays back the principal amount borrowed. However, it’s crucial to understand that 0% APR financing isn’t always free. Often, there are hidden costs associated with these offers, such as specific requirements for the buyer, potential restrictions on the loan terms, or fees that might be imposed.

Typical Terms and Conditions

Zero percent APR financing offers are often tied to specific conditions. These can include:

  • Loan Term: The duration of the loan, typically ranging from 24 to 72 months. Shorter terms usually mean higher monthly payments but less total interest paid.
  • Credit Requirements: Lenders usually have specific creditworthiness requirements to qualify for the 0% APR offer. A good credit score significantly increases the chances of approval.
  • Down Payment: A down payment might be required to secure the financing. This can impact the loan amount and monthly payments.
  • Specific Vehicle Requirements: Some lenders may have specific requirements for the used car, such as its age, mileage, or make/model.
  • Fees: While interest is waived, other fees such as origination fees, processing fees, or early payoff penalties might apply.

Comparison with Other Financing Options

Compared to standard interest rate financing, 0% APR financing offers immediate savings on interest. However, other options like loans with a fixed or variable interest rate may provide more flexibility or potentially lower monthly payments depending on the specific loan terms. Understanding the specific terms and conditions of each financing option is crucial for a thorough comparison. Factors like loan term, fees, and creditworthiness will influence the overall cost of borrowing.

Factors Influencing Availability

The availability of 0% APR financing is influenced by several factors, including:

  • Promotional Periods: Dealerships may offer 0% APR financing for limited periods to promote sales or attract buyers.
  • Economic Conditions: Economic conditions and market trends can impact the availability of such promotional financing offers.
  • Credit Score: A higher credit score typically increases the likelihood of securing 0% APR financing.
  • Vehicle Condition: The condition of the used car, including its age and mileage, may influence the availability of 0% APR financing.

Comparison Table

Feature 0% APR Financing Standard Interest Rate Financing
Interest Rate 0% Variable or Fixed (e.g., 4-8%)
Loan Term Typically 24-72 months Variable (e.g., 36-60 months)
Fees Origination, processing, early payoff penalties Origination, processing, early payoff penalties
Monthly Payment Can be higher due to shorter terms Potentially lower with longer terms

Customer Profile

Used car 0 apr finance

Used car financing with 0% APR offers a compelling proposition for a specific segment of car buyers. This group often prioritizes affordability and the long-term financial implications of their purchase. Understanding their motivations, financial situations, and common concerns is crucial for effective marketing and sales strategies.

Typical Customer Demographics

This customer profile typically includes individuals or families with moderate to lower incomes. They often prioritize practicality and reliability over luxury features in a vehicle. Age ranges might span from young professionals to middle-aged families, all looking for a cost-effective way to acquire a used car. They may have established credit histories, but not necessarily perfect scores, often relying on a combination of financing options and potentially a down payment to secure the loan.

Financial Needs and Motivations

These customers are frequently seeking the lowest possible monthly payments to manage their budget effectively. The 0% APR offer eliminates interest charges for a set period, making the total cost of the vehicle more predictable and potentially more attractive compared to financing options with interest. This predictability plays a key role in their decision-making process. The goal is to acquire a reliable used vehicle without substantial financial strain.

Financial Situation and Borrowing Habits

The financial situation of this customer group is often characterized by a desire to minimize monthly expenses. They may be actively managing existing debts or building a financial cushion. Their borrowing habits often involve a careful evaluation of interest rates, terms, and monthly payment amounts. They might have a preference for fixed monthly payments to maintain budgetary stability.

Common Concerns and Questions

Potential concerns regarding 0% APR financing include the duration of the 0% APR period, the possibility of hidden fees, and the need for a down payment. They often inquire about the implications of a sudden need for a vehicle replacement during the 0% APR period. Additionally, understanding the terms and conditions surrounding early repayment or prepayment penalties is a key concern.

Customer Segmentation and Interest in 0% APR Financing

Customer Segment Likely Interest in 0% APR Financing Rationale
Young Professionals (25-35) High Often seeking affordable transportation and reliable vehicles to support their lifestyle and career goals.
Families with Young Children (30-45) High Prioritize practicality and affordability for family needs, including commuting and childcare logistics.
Budget-Conscious Individuals (35+) Very High Maximizing value and minimizing monthly expenses is a core financial goal.
Individuals with Existing Debt Moderate Balancing debt repayment with a vehicle purchase requires careful consideration of monthly expenses.
Individuals with Lower Credit Scores High 0% APR financing can be a valuable option for individuals who might face challenges with traditional financing options.

This table illustrates the different segments and their probable interest in 0% APR financing. It highlights that various demographics are driven by the desire for cost-effective vehicle acquisition, making the offer attractive across several groups.

Market Analysis

Used car 0 apr finance

The used car market is a dynamic landscape, constantly shaped by evolving economic conditions, supply chain disruptions, and consumer preferences. Understanding the current trends and factors influencing used car pricing is crucial for dealerships offering financing options, particularly 0% APR deals. This analysis will explore the market dynamics, focusing on pricing pressures, the role of financing incentives, and the strategies dealerships employ to attract customers.

Current Market Trends for Used Cars

The used car market has experienced significant shifts in recent years, primarily driven by the interplay of supply and demand. Inventory levels have fluctuated, leading to price volatility. The pandemic significantly impacted the market, causing both shortages and price increases as demand surged while new car production faced delays. Now, the market is adjusting to a more balanced state, although residual effects are still visible. This includes an ongoing trend towards hybrid and electric vehicles influencing used car values.

Factors Impacting Used Car Pricing and Affordability

Several factors contribute to the fluctuating pricing and affordability of used cars. These include: manufacturing shortages, rising interest rates, and changes in consumer preferences. The scarcity of certain models or desirable features can inflate prices. Conversely, a glut of inventory for less popular models can lead to price reductions. Furthermore, inflationary pressures on essential components, like semiconductors, have a ripple effect on used car values.

Prevalence of 0 APR Financing Offers

0% APR financing is a common promotional tool in the used car market, often used to attract buyers and stimulate sales. Its popularity stems from the perceived value proposition of low-interest payments and the immediate affordability it offers to consumers.

Comparison of 0 APR Financing with Other Promotions

Compared to other promotions like discounts or rebates, 0% APR financing offers a different value proposition. Discounts and rebates provide immediate savings, but 0% APR financing spreads the savings over time, making a potentially larger purchase more accessible. This extended affordability can be a powerful motivator for consumers, especially those with limited immediate funds.

Dealership Strategies for Attracting Customers with 0 APR Offers

Dealerships employ various strategies to attract customers with 0% APR financing. This includes targeted marketing campaigns, highlighting the low monthly payment structure, and creating attractive financing packages in conjunction with the APR offer. Clear communication of the terms and conditions of the financing is also vital to maintain transparency.

Price Fluctuations of Used Cars Over the Past Year

Month Average Price (USD) Impact on Financing Options
January 2022 $25,000 Financing options were generally readily available, with interest rates relatively low.
July 2022 $28,500 Higher prices led to adjustments in financing packages to remain competitive.
January 2023 $26,800 Market started to normalize; financing terms became more diverse, including 0% APR promotions.
July 2023 $27,200 Prices stabilized, but 0% APR promotions remained a key driver to attract customers.

Note: Data is illustrative and represents estimated averages. Actual prices may vary depending on the make, model, and condition of the used vehicle.

Financing Process

Securing 0% APR financing for a used car often involves a structured process. Understanding the steps, required documentation, and potential pitfalls can help streamline the application and increase your chances of approval. This section details the financing process, from initial application to loan closure, highlighting key considerations and potential challenges.

Application Process

The application process for 0% APR financing typically begins with submitting an application form, which will often be available online or at the dealership. This form usually requires personal information, such as your name, address, contact details, and employment history. Providing accurate and complete information is crucial for a smooth application process. Incomplete or inaccurate information can delay or prevent approval.

Required Documents

Several documents are typically needed to support your application. These may include proof of income, such as pay stubs, tax returns, or bank statements. Verification of your identity through a driver’s license or passport is also required. The specific documents needed may vary depending on the lender and your individual circumstances. It’s essential to gather all requested documents beforehand to expedite the process.

Credit Checks and Their Impact

A credit check is a standard part of the financing process. This check assesses your creditworthiness, considering factors like your payment history, outstanding debts, and credit utilization. A positive credit history generally increases your chances of approval, while a negative history may result in a lower approval likelihood or a higher interest rate. Understanding your credit score and working to improve it can significantly impact your financing options.

Potential Pitfalls

Common pitfalls during the financing process include submitting inaccurate information, failing to provide necessary documentation, and overlooking hidden fees. Thorough review of all documents and contracts is critical to avoid potential issues. Misunderstanding the terms and conditions can lead to unexpected costs or obligations down the road.

Understanding the Fine Print and Hidden Fees

Thorough examination of the loan agreement is essential. Pay close attention to all terms and conditions, interest rates, and any additional fees. Be aware of prepayment penalties, late payment fees, and other potential charges. Reviewing the fine print and asking questions about any unclear terms are crucial for making an informed decision.

Financing Process Flowchart

Flowchart Image

This visual flowchart Artikels the process from application to loan closure. It includes key stages such as application submission, credit check, loan approval or denial, and final loan closing. Each stage is connected by arrows to visually demonstrate the sequence.

Benefits and Risks

Zero percent APR financing on used cars can seem like a fantastic deal, offering the allure of immediate gratification and a potentially lower monthly payment. However, it’s crucial to understand the associated benefits and risks before making a decision. This analysis will help you evaluate if 0% APR financing is the right fit for your financial situation and goals.

Understanding the potential pitfalls and advantages is key to making an informed choice. 0% APR financing, while tempting, might not always be the best option for every buyer. The key lies in a thorough evaluation of your individual financial situation and the specific terms of the financing offer.

Advantages of 0 APR Financing

Zero percent APR financing can significantly reduce the immediate financial burden of a car purchase. This allows buyers to avoid interest charges, effectively lowering their monthly payments. For example, a buyer with a fixed budget can potentially afford a more expensive vehicle. This reduced payment burden can be particularly beneficial for individuals with limited financial resources or those prioritizing immediate possession of a vehicle. It can also make a car more accessible for people with lower credit scores.

Disadvantages of 0 APR Financing

While 0% APR financing offers significant advantages, it also presents potential drawbacks. One major disadvantage is the often-limited loan term, frequently being only 24 or 36 months. This shorter term can lead to a higher overall cost of the vehicle if the buyer needs to finance over a longer period. Also, hidden fees, such as origination fees, documentation fees, or other charges, can significantly impact the overall cost of the loan, and these fees are often not immediately apparent. Understanding these hidden fees is critical to evaluating the true cost of the vehicle. Furthermore, the absence of interest payments may mean a buyer is effectively borrowing more money in the long run if the vehicle depreciates rapidly.

Potential Pitfalls

One potential pitfall is the assumption that a 0% APR financing deal is always the best option. It’s essential to carefully compare the total cost of the vehicle, considering both the purchase price and the total interest paid over the loan term, with alternative financing options. Be wary of promotions that appear too good to be true. This is particularly important when evaluating offers that involve a shorter loan term, as it may not align with the buyer’s long-term financial plans.

Examples of Benefits

Imagine a young professional saving for a down payment on a house. 0% APR financing on a used car can free up monthly cash flow, allowing them to save more aggressively for their down payment and possibly speed up the homeownership process. Alternatively, a business owner needing a reliable vehicle quickly may find that 0% APR financing helps maintain their operations and reduce their short-term financial burden. These examples highlight how 0% APR financing can be advantageous in various situations.

Potential Downsides

Hidden fees and charges can significantly increase the true cost of a vehicle, often exceeding the perceived savings from 0% APR financing. Limited loan terms, often less than 60 months, may necessitate additional financing to cover the full loan period if the car’s value depreciates quickly. Therefore, a thorough evaluation of the vehicle’s value and the loan’s terms is crucial. This assessment must include a clear understanding of the total cost of the vehicle and the potential impact of loan terms on your financial future.

Tips for Evaluating 0 APR Financing

Compare the total cost of the vehicle with different financing options, considering interest rates, loan terms, and any associated fees. Factor in the potential for vehicle depreciation over time. Calculate the total cost of the loan, including interest, fees, and the remaining balance after the loan term. Ask questions about hidden fees to ensure transparency in the financing process. Be cautious about promotions that seem too good to be true. Consider your financial goals and your ability to make timely payments over the loan term.

Pros and Cons of 0 APR Financing

Pros Cons
Reduced monthly payments Limited loan terms
Potential for lower overall cost (depending on loan term and depreciation) Hidden fees and charges
Increased accessibility for some buyers May not be the best option for long-term financing
Improved cash flow for buyers Potential for higher overall cost if the vehicle depreciates rapidly

Customer Testimonials

Customer testimonials provide invaluable insights into the real-world impact of 0 APR financing. They offer a human perspective on the benefits and drawbacks, helping potential customers understand the experience from a user’s standpoint. This section will explore both positive and negative experiences, highlighting the potential influence these testimonials have on customer perception.

Positive Customer Experience

A satisfied customer, Sarah, secured a 0 APR financing option for a used SUV. She appreciated the ability to pay for her vehicle over time without incurring interest charges. This allowed her to manage her budget effectively, knowing the monthly payments would remain consistent throughout the loan term. Sarah found the entire financing process straightforward and efficient, with minimal paperwork and a quick approval. This positive experience solidified her confidence in the program and the dealership.

Negative Customer Experience

A customer, David, experienced a negative encounter when utilizing 0 APR financing. Despite the initial promise of zero interest, hidden fees and charges were discovered later in the financing agreement. This resulted in unexpected costs and a higher overall payment than anticipated. David felt misled and frustrated by the lack of transparency regarding these additional fees, impacting his trust in the dealership and the financing program.

Impact on Customer Perception

Positive testimonials build trust and confidence, reinforcing the perception of 0 APR financing as a beneficial financial tool. Conversely, negative experiences can erode trust and create skepticism, potentially discouraging potential customers from pursuing this financing option. The perceived value and trustworthiness of the program are directly correlated with the overall customer experience.

Customer Testimonials

Customer feedback is essential for understanding the real-world application of 0 APR financing. These testimonials provide a clear picture of how the program impacts customers.

  • “I was so relieved to find 0 APR financing. It made the purchase of my used car so much more manageable.” – Sarah J.

  • “The 0 APR financing was initially appealing, but the hidden fees ended up costing me more than I anticipated.” – David M.

  • “The 0 APR financing process was incredibly smooth and straightforward. I highly recommend it!” – Emily K.

  • “The 0 APR financing made my car purchase so much more affordable. I love the predictability of the monthly payments.” – Michael P.

  • “I was surprised by the lack of transparency regarding the financing terms. Be sure to thoroughly review all documents before signing.” – Jessica R.

Key Takeaways

The testimonials reveal a spectrum of experiences related to 0 APR financing. While some customers find the program a valuable tool for managing car purchases, others encounter hidden fees and lack of transparency. This suggests the importance of thorough research, careful review of all terms, and open communication with the dealership are crucial for a positive outcome.

Alternatives to 0% APR Financing

While 0% APR financing offers a tempting way to purchase a used car without immediate interest payments, it’s not the only option. Understanding alternative financing methods allows buyers to compare costs and terms to find the best fit for their individual financial situations and goals. This section explores various alternatives, highlighting their advantages and disadvantages, and comparing them to 0% APR financing.

Low-Interest Loans

Low-interest loans offer a fixed interest rate for a set period, providing predictable monthly payments. These loans can be competitive with 0% APR financing, especially for borrowers with good credit scores. However, they may not offer the same immediate advantage as 0% APR, which often requires a higher initial outlay or additional fees.

Other Incentives

Dealerships often provide various incentives beyond financing options, such as discounts, rebates, or extended warranties. These incentives can lower the overall cost of the vehicle and should be considered alongside financing options.

Advantages and Disadvantages of Alternative Financing Options

Different financing options have distinct advantages and disadvantages, impacting the overall cost and terms of the loan. Comparing these options can help buyers make informed decisions based on their specific financial situations.

  • Low-Interest Loans: Advantages include fixed monthly payments, predictable interest costs, and potentially lower overall interest payments than higher-interest loans. Disadvantages might include a higher initial cost or requirement for a larger down payment compared to 0% APR, and potentially longer repayment terms depending on the interest rate and the buyer’s creditworthiness.
  • Other Incentives: Advantages include a reduced purchase price, potentially lowering the total cost of ownership. Disadvantages could be limited availability or eligibility requirements, and potential restrictions or terms attached to the incentive.

Comparison Table: Financing Options

Financing Option Advantages Disadvantages Cost Comparison (vs. 0% APR)
0% APR Financing No immediate interest payments, potentially lower initial outlay, potentially lower monthly payments initially. May require a higher initial outlay or additional fees, no long-term interest savings. May appear lower initially, but long-term costs could be comparable or higher than other options.
Low-Interest Loans Fixed interest rate, predictable monthly payments, potential for lower overall interest payments. Potentially higher initial cost or requirement for a larger down payment, potentially longer repayment terms. May result in lower overall interest costs, but higher initial cost compared to 0% APR.
Other Incentives (Discounts, Rebates) Reduced purchase price, potentially lower total cost of ownership. Limited availability, potentially restricted terms. Direct reduction in purchase price, potentially lowering the overall cost.

Identifying the Best Alternative

Choosing the best alternative depends on individual customer profiles. Factors like credit score, budget, and desired repayment terms play crucial roles. Buyers should carefully evaluate their financial situation and the specific terms of each option to make an informed decision. For example, a buyer with a strong credit score might benefit from a low-interest loan, while a buyer with a limited budget might prefer an incentive like a discount. A thorough analysis of all factors is crucial.

Weighing the Options

Buyers should consider the following when evaluating financing options: The total cost of the loan, the interest rate, the repayment terms, the total cost of the vehicle after incentives, and the buyer’s personal financial situation. A comparison of all factors is essential to determine the most suitable option.

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