{"_generator": {"name": "Brandry.ai", "url": "https://brandry.ai", "generated_at": "2026-07-26T16:42:59Z"}, "generated_at": "2026-07-26T16:42:59Z", "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "slug": "castlekiamchenry", "domain_id": "91", "address": "1121 State Rte 31", "city": "McHenry", "state": "IL", "zip": "60050", "phone": "(815) 453-8566", "lat": 42.311716, "lon": -88.28040600000001, "website": "https://www.castlekiamchenry.com", "base": "https://ai.castlekiamchenry.com", "mcp_endpoint": "https://ai.castlekiamchenry.com/api/ucp/mcp", "disclosure": null, "pricing": null, "hours_detail": null}, "counts": {"total": 609, "new": 0, "used": 609, "certified": 0, "offers": 0}, "price_health": {"vehicles": 609, "flagged": 604, "by_issue": {"price_source_undated": 604, "doc_fee_policy_unknown": 604}, "policy_unknown": 609, "price_includes_doc_fee": 0, "price_source_stale": 0, "price_source_stale_after_hours": 48, "price_source_oldest_hours": null, "price_source_median_hours": null, "price_source_undated": 604, "price_suppressed_stale": 604, "price_suppressed_pct": 99.2, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26910.0, "price_incl_doc": 26910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 671.35, "amount_financed": 28591.88, "sales_tax": 1681.88, "total_of_payments": 32224.8, "finance_charge": 3632.92, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2517, VIN WVWGA7CD0RW219943. $671 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,910, before any dealer documentation fee. Amount financed $28,592, including $1,682 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,225. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWGA7CD0RW219943_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 559, "unit": "per_month", "display": "$559/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26910.0, "price_incl_doc": 26910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 559.3, "amount_financed": 28591.88, "sales_tax": 1681.88, "total_of_payments": 33557.94, "finance_charge": 4966.06, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2517, VIN WVWGA7CD0RW219943. $559 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,910, before any dealer documentation fee. Amount financed $28,592, including $1,682 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,558. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26910.0, "price_incl_doc": 26910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 487.33, "amount_financed": 28591.88, "sales_tax": 1681.88, "total_of_payments": 35087.46, "finance_charge": 6495.58, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2517, VIN WVWGA7CD0RW219943. $487 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,910, before any dealer documentation fee. Amount financed $28,592, including $1,682 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,087. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16703.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVWX7B21NM064549_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 417, "unit": "per_month", "display": "$417/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16703.0, "price_incl_doc": 16703.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 416.71, "amount_financed": 17746.94, "sales_tax": 1043.94, "total_of_payments": 20001.89, "finance_charge": 2254.95, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260236A, VIN 3VVWX7B21NM064549. $417 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $16,703, before any dealer documentation fee. Amount financed $17,747, including $1,044 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $20,002. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVWX7B21NM064549_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 347, "unit": "per_month", "display": "$347/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16703.0, "price_incl_doc": 16703.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 347.16, "amount_financed": 17746.94, "sales_tax": 1043.94, "total_of_payments": 20829.37, "finance_charge": 3082.43, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260236A, VIN 3VVWX7B21NM064549. $347 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,703, before any dealer documentation fee. Amount financed $17,747, including $1,044 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,829. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVWX7B21NM064549_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 302, "unit": "per_month", "display": "$302/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16703.0, "price_incl_doc": 16703.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 302.48, "amount_financed": 17746.94, "sales_tax": 1043.94, "total_of_payments": 21778.74, "finance_charge": 4031.8, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260236A, VIN 3VVWX7B21NM064549. $302 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $16,703, before any dealer documentation fee. Amount financed $17,747, including $1,044 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $21,779. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 22, "elapsed_ms": 328}}, {"vin": "3VV2B7AX4RM134576", "title": "2024 Volkswagen Tiguan 2.0T SE", "year": 2024, "make": "Volkswagen", "model": "Tiguan", "trim": "2.0T SE", "decoded_trim": "4Motion SE Wolfsburg Edition", "condition": "used", "price": 23210.0, "msrp": null, "sale_price": 23210.0, "currency": "USD", "mileage": 77000, "exterior_color": "White", "interior_color": null, "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L Other", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic with Tiptronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MKP2520", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2024, "trim": "4Motion SE Wolfsburg Edition", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Tiguan-3a5e006eac181c7f2497ff4cd5fa9dc3.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Tiguan-3a5e006eac181c7f2497ff4cd5fa9dc3.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3VV2B7AX4RM134576.html", "json_url": "https://ai.castlekiamchenry.com/v/3VV2B7AX4RM134576.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3VV2B7AX4RM134576.md", "vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Tiguan-3a5e006eac181c7f2497ff4cd5fa9dc3.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MKP2520, VIN 3VV2B7AX4RM134576. Advertised price: $23,210. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,210"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV2B7AX4RM134576_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 579, "unit": "per_month", "display": "$579/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23210.0, "price_incl_doc": 23210.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 579.04, "amount_financed": 24660.63, "sales_tax": 1450.63, "total_of_payments": 27794.04, "finance_charge": 3133.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2520, VIN 3VV2B7AX4RM134576. $579 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,210, before any dealer documentation fee. Amount financed $24,661, including $1,451 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,794. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2B7AX4RM134576_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 482, "unit": "per_month", "display": "$482/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23210.0, "price_incl_doc": 23210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 482.4, "amount_financed": 24660.63, "sales_tax": 1450.63, "total_of_payments": 28943.88, "finance_charge": 4283.25, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2520, VIN 3VV2B7AX4RM134576. $482 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,210, before any dealer documentation fee. Amount financed $24,661, including $1,451 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,944. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV2B7AX4RM134576_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23210.0, "price_incl_doc": 23210.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.32, "amount_financed": 24660.63, "sales_tax": 1450.63, "total_of_payments": 30263.1, "finance_charge": 5602.47, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2520, VIN 3VV2B7AX4RM134576. $420 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,210, before any dealer documentation fee. Amount financed $24,661, including $1,451 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,263. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 333}}, {"vin": "3VVFB7AX3RM139110", "title": "2024 Volkswagen Tiguan 2.0T S", "year": 2024, "make": "Volkswagen", "model": "Tiguan", "trim": "2.0T S", "decoded_trim": "4Motion S", "condition": "used", "price": 24410.0, "msrp": null, "sale_price": 24410.0, "currency": "USD", "mileage": 77000, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Titan Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L Other", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic with Tiptronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260393A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Volkswagen", "model": "Tiguan", "year": 2024, "trim": "4Motion S", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Tiguan-7973e105ac1804b19b597a953caa14d4.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Tiguan-7973e105ac1804b19b597a953caa14d4.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3VVFB7AX3RM139110.html", "json_url": "https://ai.castlekiamchenry.com/v/3VVFB7AX3RM139110.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3VVFB7AX3RM139110.md", "vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Tiguan-7973e105ac1804b19b597a953caa14d4.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260393A, VIN 3VVFB7AX3RM139110. Advertised price: $24,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVFB7AX3RM139110_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.98, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 29231.05, "finance_charge": 3295.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260393A, VIN 3VVFB7AX3RM139110. $609 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,231. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVFB7AX3RM139110_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 507, "unit": "per_month", "display": "$507/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.34, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 30440.33, "finance_charge": 4504.7, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260393A, VIN 3VVFB7AX3RM139110. $507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,440. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVFB7AX3RM139110_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 442.05, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 31827.76, "finance_charge": 5892.13, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260393A, VIN 3VVFB7AX3RM139110. $442 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,828. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 18, "elapsed_ms": 312}}, {"vin": "3VW7M7BU1RM015903", "title": "2024 Volkswagen Jetta 1.5T SE", "year": 2024, "make": "Volkswagen", "model": "Jetta", "trim": "1.5T SE", "decoded_trim": "SE, SE (AQ301 Trans)", "condition": "used", "price": 20303.0, "msrp": null, "sale_price": 20303.0, "currency": "USD", "mileage": 15000, "exterior_color": "Deep Black Pearl", "interior_color": "Titan Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "1.5L i-4", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic with Tiptronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MKP2511", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 29, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ad343ce1923b4229bf531833c6a4e2a4.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ad343ce1923b4229bf531833c6a4e2a4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44a0e7487cab4109a0f5f7aac6f467cd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/91a0539f5dad495fbfa48854ed0c5a44.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d952bf6c03a24c02a8f16e794268ea08.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ce524d84ef3e492383a22394b049056e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4b7a310ae64244c3a3cae3b12f7543f2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ee4b9aa740ce4f9c9ec495aa80fa0184.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a22657cd0b9046978bcb2e748cdf1db5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c6ff6004b3b34d6ca78e23d9d43290cd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/741a05cc46fb4b7b88e9cbed23bf5804.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8a4905a3889144dbb5656e6aa56191ae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/96b83cf8ec7343cf982e08cce54808da.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d739dd23f1574677a7c1e2692ade299e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ccfc4236521449e19eb1c48437bdf2f9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/59ec765a641f4da59763d8335271845d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/70c098745b074cb483975f063d04a469.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/37a001fb48fc447593c4406683a479d8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ee2aa003a2454614b59f94ef8c78fe08.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/779f6ca55fba46659e698b172874286a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bba048583eae444eaa882049addf60c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c220058b9b544947900bf7992353004d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/af0b1559488a493ab18392b75ef82ba2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fc17a82c1fe44988af81e8d785314eb4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48e7cd28b1f9412f844017c11a33befd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18931120b5044bc0a5218584aea41306.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/65e7f4e0b6bd44b2b31c6c0674cac3d3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/24afa3d4e57f4b3a80072686de608e4e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2775a6a3c7a4556ad18548026e3b255.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9bef058bace943efbfc5e306484dc7b7.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Jetta", "year": 2024, "trim": "SE, SE (AQ301 Trans)", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Jetta-f54bb587ac181809f12ccca6da2c0f2f.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Jetta-f54bb587ac181809f12ccca6da2c0f2f.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3VW7M7BU1RM015903.html", "json_url": "https://ai.castlekiamchenry.com/v/3VW7M7BU1RM015903.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3VW7M7BU1RM015903.md", "vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Jetta-f54bb587ac181809f12ccca6da2c0f2f.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$20,303"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 20303.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VW7M7BU1RM015903_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 507, "unit": "per_month", "display": "$507/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20303.0, "price_incl_doc": 20303.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 506.52, "amount_financed": 21571.94, "sales_tax": 1268.94, "total_of_payments": 24312.9, "finance_charge": 2740.96, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2511, VIN 3VW7M7BU1RM015903. $507 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $20,303, before any dealer documentation fee. Amount financed $21,572, including $1,269 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $24,313. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VW7M7BU1RM015903_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 422, "unit": "per_month", "display": "$422/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20303.0, "price_incl_doc": 20303.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 421.98, "amount_financed": 21571.94, "sales_tax": 1268.94, "total_of_payments": 25318.72, "finance_charge": 3746.78, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2511, VIN 3VW7M7BU1RM015903. $422 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $20,303, before any dealer documentation fee. Amount financed $21,572, including $1,269 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $25,319. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20303.0, "price_incl_doc": 20303.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 367.68, "amount_financed": 21571.94, "sales_tax": 1268.94, "total_of_payments": 26472.71, "finance_charge": 4900.77, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2511, VIN 3VW7M7BU1RM015903. $368 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $20,303, before any dealer documentation fee. Amount financed $21,572, including $1,269 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $26,473. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23310.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32710.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1VBAH67S9809238_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 816, "unit": "per_month", "display": "$816/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32710.0, "price_incl_doc": 32710.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 816.05, "amount_financed": 34754.38, "sales_tax": 2044.38, "total_of_payments": 39170.32, "finance_charge": 4415.94, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5935, VIN JF1VBAH67S9809238. $816 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,710, before any dealer documentation fee. Amount financed $34,754, including $2,044 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,170. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH67S9809238_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 680, "unit": "per_month", "display": "$680/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32710.0, "price_incl_doc": 32710.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 679.85, "amount_financed": 34754.38, "sales_tax": 2044.38, "total_of_payments": 40790.79, "finance_charge": 6036.41, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5935, VIN JF1VBAH67S9809238. $680 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,710, before any dealer documentation fee. Amount financed $34,754, including $2,044 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,791. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH67S9809238_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 592, "unit": "per_month", "display": "$592/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32710.0, "price_incl_doc": 32710.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 592.36, "amount_financed": 34754.38, "sales_tax": 2044.38, "total_of_payments": 42649.98, "finance_charge": 7895.6, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5935, VIN JF1VBAH67S9809238. $592 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,710, before any dealer documentation fee. Amount financed $34,754, including $2,044 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,650. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 17, "elapsed_ms": 305}}, {"vin": "1V2KR2CA3RC501182", "title": "2024 Volkswagen Atlas 2.0T SE w\\/Technology", "year": 2024, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w\\/Technology", "decoded_trim": "4Motion SE w/ Technology w/ Sunroof Pkg.", "condition": "used", "price": 30080.0, "msrp": null, "sale_price": 30080.0, "currency": "USD", "mileage": 35914, "exterior_color": "Platinum Gray Metallic", "interior_color": "Shetland Beige", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L Other", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic with Tiptronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260243A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2024, "trim": "4Motion SE w/ Technology w/ Sunroof Pkg.", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Atlas-66242a47ac1804b19b597a95ca8f136b.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Atlas-66242a47ac1804b19b597a95ca8f136b.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1V2KR2CA3RC501182.html", "json_url": "https://ai.castlekiamchenry.com/v/1V2KR2CA3RC501182.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1V2KR2CA3RC501182.md", "vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2024-Volkswagen-Atlas-66242a47ac1804b19b597a95ca8f136b.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260243A, VIN 1V2KR2CA3RC501182. Advertised price: $30,080. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,080"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30080.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KR2CA3RC501182_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 750, "unit": "per_month", "display": "$750/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30080.0, "price_incl_doc": 30080.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 750.44, "amount_financed": 31960.0, "sales_tax": 1880.0, "total_of_payments": 36020.88, "finance_charge": 4060.88, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260243A, VIN 1V2KR2CA3RC501182. $750 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,080, before any dealer documentation fee. Amount financed $31,960, including $1,880 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,021. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KR2CA3RC501182_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 625, "unit": "per_month", "display": "$625/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30080.0, "price_incl_doc": 30080.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 625.18, "amount_financed": 31960.0, "sales_tax": 1880.0, "total_of_payments": 37511.06, "finance_charge": 5551.06, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260243A, VIN 1V2KR2CA3RC501182. $625 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,080, before any dealer documentation fee. Amount financed $31,960, including $1,880 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,511. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KR2CA3RC501182_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 545, "unit": "per_month", "display": "$545/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30080.0, "price_incl_doc": 30080.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.73, "amount_financed": 31960.0, "sales_tax": 1880.0, "total_of_payments": 39220.76, "finance_charge": 7260.76, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260243A, VIN 1V2KR2CA3RC501182. $545 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,080, before any dealer documentation fee. Amount financed $31,960, including $1,880 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,221. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22810.0, "price_incl_doc": 22810.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 569.06, "amount_financed": 24235.63, "sales_tax": 1425.63, "total_of_payments": 27315.04, "finance_charge": 3079.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260594B, VIN 3VV8X7B20RM085195. $569 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,810, before any dealer documentation fee. Amount financed $24,236, including $1,426 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,315. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV8X7B20RM085195_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 474, "unit": "per_month", "display": "$474/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22810.0, "price_incl_doc": 22810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 474.08, "amount_financed": 24235.63, "sales_tax": 1425.63, "total_of_payments": 28445.07, "finance_charge": 4209.44, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260594B, VIN 3VV8X7B20RM085195. $474 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,810, before any dealer documentation fee. Amount financed $24,236, including $1,426 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,445. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV8X7B20RM085195_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 413, "unit": "per_month", "display": "$413/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22810.0, "price_incl_doc": 22810.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 413.08, "amount_financed": 24235.63, "sales_tax": 1425.63, "total_of_payments": 29741.55, "finance_charge": 5505.92, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260594B, VIN 3VV8X7B20RM085195. $413 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,810, before any dealer documentation fee. Amount financed $24,236, including $1,426 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,742. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 132}}, {"vin": "1V2FR2CA2SC525965", "title": "2025 Volkswagen Atlas 2.0T SEL Premium R\\-Line", "year": 2025, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SEL Premium R\\-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "used", "price": 44010.0, "msrp": null, "sale_price": 44010.0, "currency": "USD", "mileage": 35914, "exterior_color": "Blue", "interior_color": "Titan Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L Other", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260116C", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 32, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/8857c9a0e4b24824b8f10d6d60294bf6.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/8857c9a0e4b24824b8f10d6d60294bf6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9f8995cd16414f0fa57ddce96ba252ea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f82a81e5858e4a52b37b78b86f10057a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1ecc7942c008403d8137565cf3358d3f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/32807d0c569a47deb303fcfc73af7b13.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/42b14d89894a4d6e982fb64a17337308.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/404893682f0945e083b4ca59f514b71f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0cba9d9497324506960395daef5e49ef.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aa761450dfdf4045b7003874d41d678b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c847868a62647a8a1d9f2809b5063f7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3bf12674cbd84822923e4c27f9e62ec7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/734dbaea16ca4e8e99f545985cd00050.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7061baeab3fa4ee4b9a62e880ef72283.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ea07eba650b342b1ab6a6edb9457e1ea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/62415c02f17b411d820626b002ee56de.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0c7691cd353d4139bd065bc659eef6e0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7e3c2002cdc74fd69019f28bb8ce2fde.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18baa5d3a9b54899839cd0c221010348.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4e9d3a81b3b7413c85a1c388b1f1851a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/679c73670c454b569a783a44ef634ec3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/47fa59b31ade47c2b394b16eb280d38c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ff7f46dcd7d4ac993a7a8ef7960aa12.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/325f3db2bab04dc18fff1badd97c7ac8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8aed7809ea4e41e986a23144bb471565.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/847a432078a6464f932fb83095f2ce86.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/527337dbc3cd4469ba8a20baa67e6742.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fb331383c85d478c97b9b3102057a6d2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0d117cb9bc23444998e0127fd1c7717c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/01093e66d6214a97b3296be17c8cef88.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ef81f9a5d03a4863906c918aaa1d0e38.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e9da239beb1844979516250bb02a38ca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d97eac7d0cee42ba97fc64b541c24af0.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Atlas", "year": 2025, "trim": "4Motion SEL Premium R-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2025-Volkswagen-Atlas-030207fcac184abdfb3c758d0416266d.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2025-Volkswagen-Atlas-030207fcac184abdfb3c758d0416266d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1V2FR2CA2SC525965.html", "json_url": "https://ai.castlekiamchenry.com/v/1V2FR2CA2SC525965.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1V2FR2CA2SC525965.md", "vdp_url": "https://www.castlekiamchenry.com/used/Volkswagen/2025-Volkswagen-Atlas-030207fcac184abdfb3c758d0416266d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$44,010"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2FR2CA2SC525965_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1098, "unit": "per_month", "display": "$1,098/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44010.0, "price_incl_doc": 44010.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1097.96, "amount_financed": 46760.63, "sales_tax": 2750.63, "total_of_payments": 52702.1, "finance_charge": 5941.47, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260116C, VIN 1V2FR2CA2SC525965. $1,098 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $44,010, before any dealer documentation fee. Amount financed $46,761, including $2,751 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $52,702. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2FR2CA2SC525965_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 915, "unit": "per_month", "display": "$915/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44010.0, "price_incl_doc": 44010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 914.71, "amount_financed": 46760.63, "sales_tax": 2750.63, "total_of_payments": 54882.38, "finance_charge": 8121.75, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260116C, VIN 1V2FR2CA2SC525965. $915 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $44,010, before any dealer documentation fee. Amount financed $46,761, including $2,751 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $54,882. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44010.0, "price_incl_doc": 44010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 797.0, "amount_financed": 46760.63, "sales_tax": 2750.63, "total_of_payments": 57383.84, "finance_charge": 10623.21, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260116C, VIN 1V2FR2CA2SC525965. $797 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $44,010, before any dealer documentation fee. Amount financed $46,761, including $2,751 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $57,384. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3TYJDAHN4RT003500_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 708.77, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 34021.06, "finance_charge": 3835.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7913, VIN 3TYJDAHN4RT003500. $709 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,021. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3TYJDAHN4RT003500_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 590, "unit": "per_month", "display": "$590/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 590.48, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 35428.51, "finance_charge": 5242.88, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7913, VIN 3TYJDAHN4RT003500. $590 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,429. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3TYJDAHN4RT003500_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 514, "unit": "per_month", "display": "$514/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 514.49, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 37043.28, "finance_charge": 6857.65, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7913, VIN 3TYJDAHN4RT003500. $514 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,043. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22110.0, "price_incl_doc": 22110.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 551.6, "amount_financed": 23491.88, "sales_tax": 1381.88, "total_of_payments": 26476.79, "finance_charge": 2984.91, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2507, VIN 3VVUX7B23RM018797. $552 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,110, before any dealer documentation fee. Amount financed $23,492, including $1,382 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,477. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUX7B23RM018797_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 460, "unit": "per_month", "display": "$460/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22110.0, "price_incl_doc": 22110.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 459.54, "amount_financed": 23491.88, "sales_tax": 1381.88, "total_of_payments": 27572.13, "finance_charge": 4080.25, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2507, VIN 3VVUX7B23RM018797. $460 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,110, before any dealer documentation fee. Amount financed $23,492, including $1,382 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,572. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVUX7B23RM018797_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 400, "unit": "per_month", "display": "$400/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22110.0, "price_incl_doc": 22110.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 400.4, "amount_financed": 23491.88, "sales_tax": 1381.88, "total_of_payments": 28828.83, "finance_charge": 5336.95, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2507, VIN 3VVUX7B23RM018797. $400 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,110, before any dealer documentation fee. Amount financed $23,492, including $1,382 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $28,829. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Toyota/2021-Toyota-Highlander-bda219f9ac180302593716fcd62e7039.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5TDGZRBH7MS098720.html", "json_url": "https://ai.castlekiamchenry.com/v/5TDGZRBH7MS098720.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5TDGZRBH7MS098720.md", "vdp_url": "https://www.castlekiamchenry.com/used/Toyota/2021-Toyota-Highlander-bda219f9ac180302593716fcd62e7039.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28311.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5TDGZRBH7MS098720_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 706, "unit": "per_month", "display": "$706/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28311.0, "price_incl_doc": 28311.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 706.3, "amount_financed": 30080.44, "sales_tax": 1769.44, "total_of_payments": 33902.5, "finance_charge": 3822.06, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260221C, VIN 5TDGZRBH7MS098720. $706 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,311, before any dealer documentation fee. Amount financed $30,080, including $1,769 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,902. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28311.0, "price_incl_doc": 28311.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.42, "amount_financed": 30080.44, "sales_tax": 1769.44, "total_of_payments": 35305.05, "finance_charge": 5224.61, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260221C, VIN 5TDGZRBH7MS098720. $588 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,311, before any dealer documentation fee. Amount financed $30,080, including $1,769 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,305. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28910.0, "price_incl_doc": 28910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 721.25, "amount_financed": 30716.88, "sales_tax": 1806.88, "total_of_payments": 34619.81, "finance_charge": 3902.93, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK364A, VIN 2T3J1RFV6MW149460. $721 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,910, before any dealer documentation fee. Amount financed $30,717, including $1,807 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,620. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2T3J1RFV6MW149460_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 601, "unit": "per_month", "display": "$601/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28910.0, "price_incl_doc": 28910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 600.87, "amount_financed": 30716.88, "sales_tax": 1806.88, "total_of_payments": 36052.03, "finance_charge": 5335.15, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK364A, VIN 2T3J1RFV6MW149460. $601 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,910, before any dealer documentation fee. Amount financed $30,717, including $1,807 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,052. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2T3J1RFV6MW149460_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28910.0, "price_incl_doc": 28910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.54, "amount_financed": 30716.88, "sales_tax": 1806.88, "total_of_payments": 37695.23, "finance_charge": 6978.35, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK364A, VIN 2T3J1RFV6MW149460. $524 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,910, before any dealer documentation fee. Amount financed $30,717, including $1,807 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,695. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31296.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTAFC9S3302357_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 781, "unit": "per_month", "display": "$781/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31296.0, "price_incl_doc": 31296.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 780.77, "amount_financed": 33252.0, "sales_tax": 1956.0, "total_of_payments": 37477.04, "finance_charge": 4225.04, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL141, VIN 4S4BTAFC9S3302357. $781 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,296, before any dealer documentation fee. Amount financed $33,252, including $1,956 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,477. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTAFC9S3302357_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 650, "unit": "per_month", "display": "$650/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31296.0, "price_incl_doc": 31296.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 650.46, "amount_financed": 33252.0, "sales_tax": 1956.0, "total_of_payments": 39027.47, "finance_charge": 5775.47, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL141, VIN 4S4BTAFC9S3302357. $650 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,296, before any dealer documentation fee. Amount financed $33,252, including $1,956 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,027. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTAFC9S3302357_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 567, "unit": "per_month", "display": "$567/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31296.0, "price_incl_doc": 31296.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 566.75, "amount_financed": 33252.0, "sales_tax": 1956.0, "total_of_payments": 40806.28, "finance_charge": 7554.28, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL141, VIN 4S4BTAFC9S3302357. $567 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,296, before any dealer documentation fee. Amount financed $33,252, including $1,956 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,806. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 117}}, {"vin": "4S4BTALC5S3301761", "title": "2025 Subaru Outback Onyx Edition", "year": 2025, "make": "Subaru", "model": "Outback", "trim": "Onyx Edition", "decoded_trim": "Onyx Edition", "condition": "used", "price": 33298.0, "msrp": null, "sale_price": 33298.0, "currency": "USD", "mileage": 23000, "exterior_color": "Cosmic Blue Pearl", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT Lineartronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL103", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2025, "trim": "Onyx Edition", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4BTALC5S3301761.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda102bcac180302593716fcbae410ec.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda102bcac180302593716fcbae410ec.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4BTALC5S3301761.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4BTALC5S3301761.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4BTALC5S3301761.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda102bcac180302593716fcbae410ec.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL103, VIN 4S4BTALC5S3301761. Advertised price: $33,298. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,298"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33298.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTALC5S3301761_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 831, "unit": "per_month", "display": "$831/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33298.0, "price_incl_doc": 33298.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 830.72, "amount_financed": 35379.13, "sales_tax": 2081.13, "total_of_payments": 39874.45, "finance_charge": 4495.32, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL103, VIN 4S4BTALC5S3301761. $831 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,298, before any dealer documentation fee. Amount financed $35,379, including $2,081 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,874. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTALC5S3301761_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 692, "unit": "per_month", "display": "$692/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33298.0, "price_incl_doc": 33298.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 692.07, "amount_financed": 35379.13, "sales_tax": 2081.13, "total_of_payments": 41524.06, "finance_charge": 6144.93, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL103, VIN 4S4BTALC5S3301761. $692 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,298, before any dealer documentation fee. Amount financed $35,379, including $2,081 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,524. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTALC5S3301761_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 603, "unit": "per_month", "display": "$603/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33298.0, "price_incl_doc": 33298.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 603.01, "amount_financed": 35379.13, "sales_tax": 2081.13, "total_of_payments": 43416.66, "finance_charge": 8037.53, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL103, VIN 4S4BTALC5S3301761. $603 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,298, before any dealer documentation fee. Amount financed $35,379, including $2,081 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $43,417. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 104}}, {"vin": "4S4BTADC8S3336826", "title": "2025 Subaru Outback Premium", "year": 2025, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 31630.0, "msrp": null, "sale_price": 31630.0, "currency": "USD", "mileage": 23000, "exterior_color": "Crystal Black Silica", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT Lineartronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL116", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2025, "trim": "Premium", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4BTADC8S3336826.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda27ba7ac1842a790ae0d8a7a959838.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda27ba7ac1842a790ae0d8a7a959838.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4BTADC8S3336826.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4BTADC8S3336826.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4BTADC8S3336826.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda27ba7ac1842a790ae0d8a7a959838.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL116, VIN 4S4BTADC8S3336826. Advertised price: $31,630. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,630"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31630.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTADC8S3336826_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 789, "unit": "per_month", "display": "$789/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31630.0, "price_incl_doc": 31630.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 789.1, "amount_financed": 33606.88, "sales_tax": 1976.88, "total_of_payments": 37877.02, "finance_charge": 4270.14, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL116, VIN 4S4BTADC8S3336826. $789 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,630, before any dealer documentation fee. Amount financed $33,607, including $1,977 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,877. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTADC8S3336826_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 657, "unit": "per_month", "display": "$657/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31630.0, "price_incl_doc": 31630.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 657.4, "amount_financed": 33606.88, "sales_tax": 1976.88, "total_of_payments": 39443.99, "finance_charge": 5837.11, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL116, VIN 4S4BTADC8S3336826. $657 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,630, before any dealer documentation fee. Amount financed $33,607, including $1,977 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,444. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTADC8S3336826_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31630.0, "price_incl_doc": 31630.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.8, "amount_financed": 33606.88, "sales_tax": 1976.88, "total_of_payments": 41241.78, "finance_charge": 7634.9, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL116, VIN 4S4BTADC8S3336826. $573 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,630, before any dealer documentation fee. Amount financed $33,607, including $1,977 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,242. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 111}}, {"vin": "4S4BTAPC5R3140512", "title": "2024 Subaru Outback Touring", "year": 2024, "make": "Subaru", "model": "Outback", "trim": "Touring", "decoded_trim": "Touring", "condition": "used", "price": 32410.0, "msrp": null, "sale_price": 32410.0, "currency": "USD", "mileage": 23000, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT Lineartronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260576A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 31, "primary_image": "https://content.homenetiol.com/2003378/2267140/0x0/9dcbb46af0f94764b85cb0aa10d8f3bd.jpg", "images": ["https://content.homenetiol.com/2003378/2267140/0x0/9dcbb46af0f94764b85cb0aa10d8f3bd.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/199e9d5eb0e4484c982b5a7263143814.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/8f129edfbb664a9eafa7f0703d948b7c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/6702556caaed46d9b06a17fb61c25304.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/c76389befcba41d18491f6b95af069ec.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/048012e62a644d778292754812dd19f4.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e15e516768e54c55a0b86e906839907f.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/69ccd9fd39474dc6a3fb0dd04282ef8c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/1604f0a7bd014c259b9cce4cdb32d720.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/12374902a80f4c75b1d6508ec93c9e39.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/3e74d0e11a294b46958d219107525e18.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/28f4212bd51f4233bf2d36f11f60a790.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/570b5c87a89c431485575da2b7097e9e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/f7f8311c2b024f9991d9183b8a411bee.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/accc3ffd886b47b3b764e3ace558d9ec.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/f419c5c3799144eab5655918b697bb2f.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/48770eca55d847b496bf4dfcdc9debe0.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/57fd0a5b143a479f8f65b8f4b04e6b76.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/c4e92f231dc5491b86d274a1f8c08e7d.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/23e04c7db8b644a3937d411f25d5155e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/991e06f8491e48b9a3baf0e42f7302e4.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/dd7c461f434a48fdb4e5768a1a3aab7c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/fbb282babef845f2ae7293231fbe2678.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/0f8dc1086630424487be363460b1751c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/3c894d72cd0349429dc1093f8e34a24e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/cec90743c7e746c9923b1cf7ba2d099d.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/4ee2dd668194496586c15ec77f4a53af.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/0c718355fe564cbb887e90cd111844ff.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/9103768a4be645d6968562295bbcdec7.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/18f084dc3935437db450085b70479259.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/78dfdd06ec634d8cb6e70d4087918bae.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2024, "trim": "Touring", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4BTAPC5R3140512.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2024-Subaru-Outback-3f867e12ac1843223622966a57a1f5a1.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2024-Subaru-Outback-3f867e12ac1843223622966a57a1f5a1.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4BTAPC5R3140512.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4BTAPC5R3140512.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4BTAPC5R3140512.md", "vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2024-Subaru-Outback-3f867e12ac1843223622966a57a1f5a1.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTAPC5R3140512_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 809, "unit": "per_month", "display": "$809/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.56, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 38811.07, "finance_charge": 4375.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260576A, VIN 4S4BTAPC5R3140512. $809 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,811. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTAPC5R3140512_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 674, "unit": "per_month", "display": "$674/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 673.61, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 40416.68, "finance_charge": 5981.05, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260576A, VIN 4S4BTAPC5R3140512. $674 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,417. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.93, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 42258.81, "finance_charge": 7823.18, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260576A, VIN 4S4BTAPC5R3140512. $587 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,259. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2024-Kia-Sportage-1b78a30bac181df8b344ce560986ae1c.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK6CDF9RG146802.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF9RG146802.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF9RG146802.md", "vdp_url": "https://www.castlekiamchenry.com/used/Kia/2024-Kia-Sportage-1b78a30bac181df8b344ce560986ae1c.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF9RG146802_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 671, "unit": "per_month", "display": "$671/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26910.0, "price_incl_doc": 26910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 671.35, "amount_financed": 28591.88, "sales_tax": 1681.88, "total_of_payments": 32224.8, "finance_charge": 3632.92, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260457A, VIN 5XYK6CDF9RG146802. $671 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,910, before any dealer documentation fee. Amount financed $28,592, including $1,682 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,225. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF9RG146802_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 559, "unit": "per_month", "display": "$559/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26910.0, "price_incl_doc": 26910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 559.3, "amount_financed": 28591.88, "sales_tax": 1681.88, "total_of_payments": 33557.94, "finance_charge": 4966.06, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260457A, VIN 5XYK6CDF9RG146802. $559 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,910, before any dealer documentation fee. Amount financed $28,592, including $1,682 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,558. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26910.0, "price_incl_doc": 26910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 487.33, "amount_financed": 28591.88, "sales_tax": 1681.88, "total_of_payments": 35087.46, "finance_charge": 6495.58, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260457A, VIN 5XYK6CDF9RG146802. $487 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,910, before any dealer documentation fee. Amount financed $28,592, including $1,682 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,087. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39370.0, "price_incl_doc": 39370.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 982.2, "amount_financed": 41830.63, "sales_tax": 2460.63, "total_of_payments": 47145.69, "finance_charge": 5315.06, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL148, VIN JF2BURGDXTY454015. $982 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,370, before any dealer documentation fee. Amount financed $41,831, including $2,461 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $47,146. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGDXTY454015_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 818, "unit": "per_month", "display": "$818/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39370.0, "price_incl_doc": 39370.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 818.27, "amount_financed": 41830.63, "sales_tax": 2460.63, "total_of_payments": 49096.1, "finance_charge": 7265.47, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL148, VIN JF2BURGDXTY454015. $818 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,370, before any dealer documentation fee. Amount financed $41,831, including $2,461 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $49,096. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGDXTY454015_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 713, "unit": "per_month", "display": "$713/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39370.0, "price_incl_doc": 39370.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 712.97, "amount_financed": 41830.63, "sales_tax": 2460.63, "total_of_payments": 51333.83, "finance_charge": 9503.2, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL148, VIN JF2BURGDXTY454015. $713 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,370, before any dealer documentation fee. Amount financed $41,831, including $2,461 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $51,334. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 98}}, {"vin": "4S4BTAFC4S3331345", "title": "2025 Subaru Outback Premium", "year": 2025, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 31115.0, "msrp": null, "sale_price": 31115.0, "currency": "USD", "mileage": 23000, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT Lineartronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL137", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 30, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/73a865f388a04b1ebf856eb4182ed481.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/73a865f388a04b1ebf856eb4182ed481.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6e612a0287144963afb6739bc5efa0a8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5c0fb5bd015147c8b0715268a6a89980.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a871e660ccee4a6eaf332f1e5067b5ae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d9026516ce414f6088d1f9666c6de8e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d07ed089d774c0ea45792523e44af31.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c02a09c8a542432f8bff093fec8d2e25.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6c34f63525de425095c74f5d69ea7237.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f1036588d69347afa4b5a98e52a65a0a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a47ec73cb4e84e3fb3974b314bcb5c97.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/12c31ddda671417d88492a4531170835.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9a9ede84ef34d6989ccfa26a0f8b53d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0078b3fc99da4ff88a03055d715318e4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/30b516ba7c6b4d98afbab70cea92b7b9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff4a9e6fcb9c4e1d8547d67c5dab782e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b1c2a74aa4834fbb9ab673a4a5d146da.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/da6cdc596b474f069537000516bcbcbd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ac6bdb68e502429cae88e3d6cd6889ca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7292f95d021f4ac2a1ca11ca1320bb57.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/47178720d99445e684e6093f7fe30d1e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ae6ee979c3ea41b2bf07fea6d43f67a1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d107de1c19f1495398343c00ab3e95b8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bbad69d3949f44e69cd2b35abb386cb4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4b0cf735cd634682a75230e1e164de5e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1f8c8c356a8e42b1bab72d699c88f80a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3404cb65510f4e3a8ee4b3aa610319fc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/10d25302d64445828a3eb420e398b47f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a31404be6a194afe81478ca858a30bd7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fdfd5115b71449fb9bd89adb733c5d31.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/14a200cfa5e64574affb415387a74afe.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2025, "trim": "Premium", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4BTAFC4S3331345.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2025-Subaru-Outback-e2d7df23ac18518c500bfccb5a6a0584.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2025-Subaru-Outback-e2d7df23ac18518c500bfccb5a6a0584.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4BTAFC4S3331345.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4BTAFC4S3331345.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4BTAFC4S3331345.md", "vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2025-Subaru-Outback-e2d7df23ac18518c500bfccb5a6a0584.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL137, VIN 4S4BTAFC4S3331345. Advertised price: $31,115. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,115"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31115.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTAFC4S3331345_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 776, "unit": "per_month", "display": "$776/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31115.0, "price_incl_doc": 31115.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 776.26, "amount_financed": 33059.69, "sales_tax": 1944.69, "total_of_payments": 37260.3, "finance_charge": 4200.61, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL137, VIN 4S4BTAFC4S3331345. $776 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,115, before any dealer documentation fee. Amount financed $33,060, including $1,945 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,260. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTAFC4S3331345_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 647, "unit": "per_month", "display": "$647/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31115.0, "price_incl_doc": 31115.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 646.7, "amount_financed": 33059.69, "sales_tax": 1944.69, "total_of_payments": 38801.76, "finance_charge": 5742.07, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL137, VIN 4S4BTAFC4S3331345. $647 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,115, before any dealer documentation fee. Amount financed $33,060, including $1,945 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,802. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTAFC4S3331345_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 563, "unit": "per_month", "display": "$563/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31115.0, "price_incl_doc": 31115.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 563.48, "amount_financed": 33059.69, "sales_tax": 1944.69, "total_of_payments": 40570.28, "finance_charge": 7510.59, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL137, VIN 4S4BTAFC4S3331345. $563 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,115, before any dealer documentation fee. Amount financed $33,060, including $1,945 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,570. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 113}}, {"vin": "4S4BTGND5R3139813", "title": "2024 Subaru Outback Limited XT", "year": 2024, "make": "Subaru", "model": "Outback", "trim": "Limited XT", "decoded_trim": "Limited", "condition": "used", "price": 28410.0, "msrp": null, "sale_price": 28410.0, "currency": "USD", "mileage": 23000, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.4L Other", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "CVT Lineartronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260462A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2024, "trim": "Limited", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.4L 4-Cylinder", "engine_displacement_l": 2.4, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4BTGND5R3139813.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2024-Subaru-Outback-782ae995ac18013719a6da34e2c549a2.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2024-Subaru-Outback-782ae995ac18013719a6da34e2c549a2.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4BTGND5R3139813.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4BTGND5R3139813.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4BTGND5R3139813.md", "vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2024-Subaru-Outback-782ae995ac18013719a6da34e2c549a2.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260462A, VIN 4S4BTGND5R3139813. Advertised price: $28,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTGND5R3139813_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 708.77, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 34021.06, "finance_charge": 3835.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260462A, VIN 4S4BTGND5R3139813. $709 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,021. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTGND5R3139813_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 590, "unit": "per_month", "display": "$590/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 590.48, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 35428.51, "finance_charge": 5242.88, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260462A, VIN 4S4BTGND5R3139813. $590 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,429. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTGND5R3139813_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 514, "unit": "per_month", "display": "$514/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 514.49, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 37043.28, "finance_charge": 6857.65, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260462A, VIN 4S4BTGND5R3139813. $514 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,043. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 91}}, {"vin": "4S4BTAPC5S3305626", "title": "2025 Subaru Outback Touring", "year": 2025, "make": "Subaru", "model": "Outback", "trim": "Touring", "decoded_trim": "Touring", "condition": "used", "price": 37050.0, "msrp": null, "sale_price": 37050.0, "currency": "USD", "mileage": 23000, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT Lineartronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL109", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2025, "trim": "Touring", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4BTAPC5S3305626.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda26772ac184b703a7f6e3f3359596d.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda26772ac184b703a7f6e3f3359596d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4BTAPC5S3305626.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4BTAPC5S3305626.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4BTAPC5S3305626.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda26772ac184b703a7f6e3f3359596d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL109, VIN 4S4BTAPC5S3305626. Advertised price: $37,050. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,050"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37050.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTAPC5S3305626_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 924, "unit": "per_month", "display": "$924/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37050.0, "price_incl_doc": 37050.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 924.32, "amount_financed": 39365.63, "sales_tax": 2315.63, "total_of_payments": 44367.48, "finance_charge": 5001.85, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL109, VIN 4S4BTAPC5S3305626. $924 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,050, before any dealer documentation fee. Amount financed $39,366, including $2,316 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $44,367. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTAPC5S3305626_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 770, "unit": "per_month", "display": "$770/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37050.0, "price_incl_doc": 37050.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 770.05, "amount_financed": 39365.63, "sales_tax": 2315.63, "total_of_payments": 46202.96, "finance_charge": 6837.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL109, VIN 4S4BTAPC5S3305626. $770 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,050, before any dealer documentation fee. Amount financed $39,366, including $2,316 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,203. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTAPC5S3305626_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 671, "unit": "per_month", "display": "$671/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37050.0, "price_incl_doc": 37050.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 670.96, "amount_financed": 39365.63, "sales_tax": 2315.63, "total_of_payments": 48308.82, "finance_charge": 8943.19, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL109, VIN 4S4BTAPC5S3305626. $671 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,050, before any dealer documentation fee. Amount financed $39,366, including $2,316 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $48,309. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27195.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27195.0, "price_incl_doc": 27195.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 678.46, "amount_financed": 28894.69, "sales_tax": 1699.69, "total_of_payments": 32566.09, "finance_charge": 3671.4, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5942, VIN JF1VBAA67P9809161. $678 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,195, before any dealer documentation fee. Amount financed $28,895, including $1,700 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,566. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAA67P9809161_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 565, "unit": "per_month", "display": "$565/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27195.0, "price_incl_doc": 27195.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 565.22, "amount_financed": 28894.69, "sales_tax": 1699.69, "total_of_payments": 33913.35, "finance_charge": 5018.66, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5942, VIN JF1VBAA67P9809161. $565 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,195, before any dealer documentation fee. Amount financed $28,895, including $1,700 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,913. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAA67P9809161_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 492, "unit": "per_month", "display": "$492/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5TDGZRBH6MS554383_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 708.77, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 34021.06, "finance_charge": 3835.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260471A, VIN 5TDGZRBH6MS554383. $709 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,021. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5TDGZRBH6MS554383_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 590, "unit": "per_month", "display": "$590/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 590.48, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 35428.51, "finance_charge": 5242.88, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260471A, VIN 5TDGZRBH6MS554383. $590 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,429. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5TDGZRBH6MS554383_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 514, "unit": "per_month", "display": "$514/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 514.49, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 37043.28, "finance_charge": 6857.65, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260471A, VIN 5TDGZRBH6MS554383. $514 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,043. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 105}}, {"vin": "JF1GUAFC7S8327676", "title": "2025 Subaru Impreza Sport", "year": 2025, "make": "Subaru", "model": "Impreza", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 26458.0, "msrp": null, "sale_price": 26458.0, "currency": "USD", "mileage": 32000, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Hatchback", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L Other", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "CVT Lineartronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL113", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Impreza", "year": 2025, "trim": "Sport", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/JF1GUAFC7S8327676.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Impreza-bda20f72ac180a17026d32f30e9800f2.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Impreza-bda20f72ac180a17026d32f30e9800f2.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/JF1GUAFC7S8327676.html", "json_url": "https://ai.castlekiamchenry.com/v/JF1GUAFC7S8327676.json", "markdown_url": "https://ai.castlekiamchenry.com/v/JF1GUAFC7S8327676.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Impreza-bda20f72ac180a17026d32f30e9800f2.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL113, VIN JF1GUAFC7S8327676. Advertised price: $26,458. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,458"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26458.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1GUAFC7S8327676_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 660, "unit": "per_month", "display": "$660/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26458.0, "price_incl_doc": 26458.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 660.07, "amount_financed": 28111.63, "sales_tax": 1653.63, "total_of_payments": 31683.53, "finance_charge": 3571.9, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL113, VIN JF1GUAFC7S8327676. $660 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,458, before any dealer documentation fee. Amount financed $28,112, including $1,654 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,684. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUAFC7S8327676_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 550, "unit": "per_month", "display": "$550/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26458.0, "price_incl_doc": 26458.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.9, "amount_financed": 28111.63, "sales_tax": 1653.63, "total_of_payments": 32994.28, "finance_charge": 4882.65, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL113, VIN JF1GUAFC7S8327676. $550 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,458, before any dealer documentation fee. Amount financed $28,112, including $1,654 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,994. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUAFC7S8327676_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 479, "unit": "per_month", "display": "$479/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26458.0, "price_incl_doc": 26458.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 479.14, "amount_financed": 28111.63, "sales_tax": 1653.63, "total_of_payments": 34498.11, "finance_charge": 6386.48, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL113, VIN JF1GUAFC7S8327676. $479 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,458, before any dealer documentation fee. Amount financed $28,112, including $1,654 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,498. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36110.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34687.0, "price_incl_doc": 34687.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 720.94, "amount_financed": 36854.94, "sales_tax": 2167.94, "total_of_payments": 43256.2, "finance_charge": 6401.26, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL110, VIN 4S4BTANC0S3287605. $721 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,687, before any dealer documentation fee. Amount financed $36,855, including $2,168 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,256. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34687.0, "price_incl_doc": 34687.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 628.16, "amount_financed": 36854.94, "sales_tax": 2167.94, "total_of_payments": 45227.75, "finance_charge": 8372.81, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL110, VIN 4S4BTANC0S3287605. $628 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,687, before any dealer documentation fee. Amount financed $36,855, including $2,168 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,228. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Legacy-bda2835fac1842a790ae0d8a2c31a60d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S3BWAN6XS3030554.html", "json_url": "https://ai.castlekiamchenry.com/v/4S3BWAN6XS3030554.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S3BWAN6XS3030554.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Legacy-bda2835fac1842a790ae0d8a2c31a60d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,624"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30624.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S3BWAN6XS3030554_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 764, "unit": "per_month", "display": "$764/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30624.0, "price_incl_doc": 30624.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 764.01, "amount_financed": 32538.0, "sales_tax": 1914.0, "total_of_payments": 36672.32, "finance_charge": 4134.32, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL107, VIN 4S3BWAN6XS3030554. $764 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,624, before any dealer documentation fee. Amount financed $32,538, including $1,914 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,672. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S3BWAN6XS3030554_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 636, "unit": "per_month", "display": "$636/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30624.0, "price_incl_doc": 30624.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 636.49, "amount_financed": 32538.0, "sales_tax": 1914.0, "total_of_payments": 38189.46, "finance_charge": 5651.46, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL107, VIN 4S3BWAN6XS3030554. $636 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,624, before any dealer documentation fee. Amount financed $32,538, including $1,914 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,189. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTANC1S3159504_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 834, "unit": "per_month", "display": "$834/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33410.0, "price_incl_doc": 33410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 833.51, "amount_financed": 35498.13, "sales_tax": 2088.13, "total_of_payments": 40008.57, "finance_charge": 4510.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260562A, VIN 4S4BTANC1S3159504. $834 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,410, before any dealer documentation fee. Amount financed $35,498, including $2,088 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,009. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTANC1S3159504_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 694, "unit": "per_month", "display": "$694/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33410.0, "price_incl_doc": 33410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.4, "amount_financed": 35498.13, "sales_tax": 2088.13, "total_of_payments": 41663.72, "finance_charge": 6165.59, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260562A, VIN 4S4BTANC1S3159504. $694 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,410, before any dealer documentation fee. Amount financed $35,498, including $2,088 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,664. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTANC1S3159504_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 605, "unit": "per_month", "display": "$605/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33410.0, "price_incl_doc": 33410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 605.04, "amount_financed": 35498.13, "sales_tax": 2088.13, "total_of_payments": 43562.69, "finance_charge": 8064.56, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260562A, VIN 4S4BTANC1S3159504. $605 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,410, before any dealer documentation fee. Amount financed $35,498, including $2,088 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $43,563. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Legacy-e2d7e246ac18131a5dcf4e6aed41783f.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S3BWAN66S3033709.html", "json_url": "https://ai.castlekiamchenry.com/v/4S3BWAN66S3033709.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S3BWAN66S3033709.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Legacy-e2d7e246ac18131a5dcf4e6aed41783f.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30181.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S3BWAN66S3033709_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 753, "unit": "per_month", "display": "$753/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30181.0, "price_incl_doc": 30181.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 752.95, "amount_financed": 32067.31, "sales_tax": 1886.31, "total_of_payments": 36141.83, "finance_charge": 4074.52, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL132, VIN 4S3BWAN66S3033709. $753 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,181, before any dealer documentation fee. Amount financed $32,067, including $1,886 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,142. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30181.0, "price_incl_doc": 30181.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 627.28, "amount_financed": 32067.31, "sales_tax": 1886.31, "total_of_payments": 37637.01, "finance_charge": 5569.7, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL132, VIN 4S3BWAN66S3033709. $627 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,181, before any dealer documentation fee. Amount financed $32,067, including $1,886 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,637. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22610.0, "price_incl_doc": 22610.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 564.07, "amount_financed": 24023.13, "sales_tax": 1413.13, "total_of_payments": 27075.54, "finance_charge": 3052.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260257A, VIN JF1GUABC7R8398697. $564 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,610, before any dealer documentation fee. Amount financed $24,023, including $1,413 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,076. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUABC7R8398697_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 470, "unit": "per_month", "display": "$470/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22610.0, "price_incl_doc": 22610.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 469.93, "amount_financed": 24023.13, "sales_tax": 1413.13, "total_of_payments": 28195.66, "finance_charge": 4172.53, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260257A, VIN JF1GUABC7R8398697. $470 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,610, before any dealer documentation fee. Amount financed $24,023, including $1,413 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,196. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUABC7R8398697_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 409, "unit": "per_month", "display": "$409/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22610.0, "price_incl_doc": 22610.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 409.46, "amount_financed": 24023.13, "sales_tax": 1413.13, "total_of_payments": 29480.77, "finance_charge": 5457.64, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260257A, VIN JF1GUABC7R8398697. $409 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,610, before any dealer documentation fee. Amount financed $24,023, including $1,413 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,481. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,110"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29110.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2SKAGC0RH413531_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 726, "unit": "per_month", "display": "$726/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29110.0, "price_incl_doc": 29110.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 726.24, "amount_financed": 30929.38, "sales_tax": 1819.38, "total_of_payments": 34859.31, "finance_charge": 3929.93, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260350A, VIN JF2SKAGC0RH413531. $726 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,110, before any dealer documentation fee. Amount financed $30,929, including $1,819 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,859. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29110.0, "price_incl_doc": 29110.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 605.02, "amount_financed": 30929.38, "sales_tax": 1819.38, "total_of_payments": 36301.44, "finance_charge": 5372.06, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260350A, VIN JF2SKAGC0RH413531. $605 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,110, before any dealer documentation fee. Amount financed $30,929, including $1,819 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,301. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29210.0, "price_incl_doc": 29210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 607.1, "amount_financed": 31035.63, "sales_tax": 1825.63, "total_of_payments": 36426.14, "finance_charge": 5390.51, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260384A, VIN JF2SKAMC9NH478537. $607 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,210, before any dealer documentation fee. Amount financed $31,036, including $1,826 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,426. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SKAMC9NH478537_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 529, "unit": "per_month", "display": "$529/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29110.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2SKAMC6PH487361_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 726, "unit": "per_month", "display": "$726/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29110.0, "price_incl_doc": 29110.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 726.24, "amount_financed": 30929.38, "sales_tax": 1819.38, "total_of_payments": 34859.31, "finance_charge": 3929.93, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260423A, VIN JF2SKAMC6PH487361. $726 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,110, before any dealer documentation fee. Amount financed $30,929, including $1,819 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,859. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SKAMC6PH487361_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 605, "unit": "per_month", "display": "$605/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29110.0, "price_incl_doc": 29110.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 605.02, "amount_financed": 30929.38, "sales_tax": 1819.38, "total_of_payments": 36301.44, "finance_charge": 5372.06, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260423A, VIN JF2SKAMC6PH487361. $605 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,110, before any dealer documentation fee. Amount financed $30,929, including $1,819 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,301. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SKAMC6PH487361_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29110.0, "price_incl_doc": 29110.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 527.17, "amount_financed": 30929.38, "sales_tax": 1819.38, "total_of_payments": 37956.0, "finance_charge": 7026.62, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260423A, VIN JF2SKAMC6PH487361. $527 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,110, before any dealer documentation fee. Amount financed $30,929, including $1,819 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,956. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 104}}, {"vin": "4S4BTANC1S3277116", "title": "2025 Subaru Outback Limited", "year": 2025, "make": "Subaru", "model": "Outback", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 34730.0, "msrp": null, "sale_price": 34730.0, "currency": "USD", "mileage": 23000, "exterior_color": "Autumn Green Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT Lineartronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL096", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2025, "trim": "Limited", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4BTANC1S3277116.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda1815fac181734323613c610a0dd1d.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda1815fac181734323613c610a0dd1d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4BTANC1S3277116.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4BTANC1S3277116.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4BTANC1S3277116.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Outback-bda1815fac181734323613c610a0dd1d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL096, VIN 4S4BTANC1S3277116. Advertised price: $34,730. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,730"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34730.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTANC1S3277116_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 866, "unit": "per_month", "display": "$866/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34730.0, "price_incl_doc": 34730.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 866.44, "amount_financed": 36900.63, "sales_tax": 2170.63, "total_of_payments": 41589.27, "finance_charge": 4688.64, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL096, VIN 4S4BTANC1S3277116. $866 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,730, before any dealer documentation fee. Amount financed $36,901, including $2,171 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,589. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTANC1S3277116_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 722, "unit": "per_month", "display": "$722/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34730.0, "price_incl_doc": 34730.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 721.83, "amount_financed": 36900.63, "sales_tax": 2170.63, "total_of_payments": 43309.82, "finance_charge": 6409.19, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL096, VIN 4S4BTANC1S3277116. $722 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,730, before any dealer documentation fee. Amount financed $36,901, including $2,171 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,310. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTANC1S3277116_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 629, "unit": "per_month", "display": "$629/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34730.0, "price_incl_doc": 34730.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 628.94, "amount_financed": 36900.63, "sales_tax": 2170.63, "total_of_payments": 45283.82, "finance_charge": 8383.19, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL096, VIN 4S4BTANC1S3277116. $629 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,730, before any dealer documentation fee. Amount financed $36,901, including $2,171 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,284. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36681.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.56, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 38811.07, "finance_charge": 4375.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260594A, VIN 4S4BTANC0R3136421. $809 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,811. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTANC0R3136421_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 674, "unit": "per_month", "display": "$674/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 673.61, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 40416.68, "finance_charge": 5981.05, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260594A, VIN 4S4BTANC0R3136421. $674 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,417. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTANC0R3136421_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 587, "unit": "per_month", "display": "$587/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.93, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 42258.81, "finance_charge": 7823.18, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260594A, VIN 4S4BTANC0R3136421. $587 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,259. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,681"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27681.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1GUHJC0S8298716_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 691, "unit": "per_month", "display": "$691/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27681.0, "price_incl_doc": 27681.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 690.58, "amount_financed": 29411.06, "sales_tax": 1730.06, "total_of_payments": 33148.07, "finance_charge": 3737.01, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL108, VIN JF1GUHJC0S8298716. $691 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,681, before any dealer documentation fee. Amount financed $29,411, including $1,730 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,148. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUHJC0S8298716_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 575, "unit": "per_month", "display": "$575/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27681.0, "price_incl_doc": 27681.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 575.32, "amount_financed": 29411.06, "sales_tax": 1730.06, "total_of_payments": 34519.4, "finance_charge": 5108.34, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL108, VIN JF1GUHJC0S8298716. $575 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,681, before any dealer documentation fee. Amount financed $29,411, including $1,730 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,519. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27681.0, "price_incl_doc": 27681.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 501.29, "amount_financed": 29411.06, "sales_tax": 1730.06, "total_of_payments": 36092.75, "finance_charge": 6681.69, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL108, VIN JF1GUHJC0S8298716. $501 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,681, before any dealer documentation fee. Amount financed $29,411, including $1,730 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,093. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda261a8ac1840287e9654754f40816f.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHU63T3719323.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHU63T3719323.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHU63T3719323.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda261a8ac1840287e9654754f40816f.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32361.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHU63T3719323_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 807, "unit": "per_month", "display": "$807/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32361.0, "price_incl_doc": 32361.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 807.34, "amount_financed": 34383.56, "sales_tax": 2022.56, "total_of_payments": 38752.38, "finance_charge": 4368.82, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL140, VIN 4S4GUHU63T3719323. $807 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,361, before any dealer documentation fee. Amount financed $34,384, including $2,023 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,752. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32361.0, "price_incl_doc": 32361.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 672.59, "amount_financed": 34383.56, "sales_tax": 2022.56, "total_of_payments": 40355.57, "finance_charge": 5972.01, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL140, VIN 4S4GUHU63T3719323. $673 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,361, before any dealer documentation fee. Amount financed $34,384, including $2,023 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,356. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDH60T3020134_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 851, "unit": "per_month", "display": "$851/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34123.0, "price_incl_doc": 34123.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 851.3, "amount_financed": 36255.69, "sales_tax": 2132.69, "total_of_payments": 40862.39, "finance_charge": 4606.7, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL129, VIN 4S4SLDH60T3020134. $851 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,123, before any dealer documentation fee. Amount financed $36,256, including $2,133 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,862. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH60T3020134_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34123.0, "price_incl_doc": 34123.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.21, "amount_financed": 36255.69, "sales_tax": 2132.69, "total_of_payments": 42552.86, "finance_charge": 6297.17, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL129, VIN 4S4SLDH60T3020134. $709 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,123, before any dealer documentation fee. Amount financed $36,256, including $2,133 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,553. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH60T3020134_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 618, "unit": "per_month", "display": "$618/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34123.0, "price_incl_doc": 34123.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 617.95, "amount_financed": 36255.69, "sales_tax": 2132.69, "total_of_payments": 44492.36, "finance_charge": 8236.67, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL129, VIN 4S4SLDH60T3020134. $618 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,123, before any dealer documentation fee. Amount financed $36,256, including $2,133 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,492. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 97}}, {"vin": "JF2SJAWC5JH456836", "title": "2018 Subaru Forester 2.5i Touring", "year": 2018, "make": "Subaru", "model": "Forester", "trim": "2.5i Touring", "decoded_trim": "Touring+ES+Navi(H/K)+AP", "condition": "used", "price": 21410.0, "msrp": null, "sale_price": 21410.0, "currency": "USD", "mileage": 115000, "exterior_color": "Sepia Bronze Metallic", "interior_color": "Saddle Brown", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260415A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 33, "primary_image": "https://content.homenetiol.com/2003378/2267014/0x0/1c664f38ba8d4bbbb05e7b119ee8c11f.jpg", "images": ["https://content.homenetiol.com/2003378/2267014/0x0/1c664f38ba8d4bbbb05e7b119ee8c11f.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/96099cad6fdc489a905db23267315017.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/76d86c2911224c9890b0f32320dbf395.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/f4c876fd78354c418167ceff0c125718.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/f66d5c1837e547e193a3efd1993dbc87.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/2c8a070a848849a78c3f3f222427ef99.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/853de21cc5bc4e72b5099f15896289aa.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/68913d9554854197b63559b2eb2ad65b.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/1f1c61e8a09c4250b89fff5bed425a4d.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/fe4389f8509048a681594b9a387f1fb2.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/9e7cfd1252cf421e879b8f230220745e.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/e895a89b65ba4becabc8916cb8b820a4.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/4b7f06595078415a8a5c2650b49537a6.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/fa021fd2d71e45a3a375b4760f71d2ae.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/21c20296a934447fafd91e78c30b9a2d.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/de7f1e9e224c40b8be92a482e2a55af1.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/7f0bb32d58154f6e9229debcab980cd5.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/d65e910191a74feca59c7a3ca47e8255.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/21e61ea932c84723976f71e8fabab0f4.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/da31ef2a6d3f41ceb91873b916e45404.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/70009b848df44b72a21b2d8a97b0a405.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/aadb0cd989fe4907b7b26c4a80aa6431.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/1d61cb3be5ee491f921cba52e3e16426.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/b1296366795c413bbed2f8a7a13b3a4e.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/39e25190007e48bb9119d7ee8c492cec.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/4897d0acba8e4acaa9c8a208211e7e63.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/a6ca725ea4e5420ba91ae8a3ca6392e3.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/b6cdde5dad1044e89c690cc2812b4db9.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/550cf9c8e75742a7a05c5b10b7b73baa.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/083385cd28d74a59a7ab76c3f85f6087.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/8f34407985cb487f8546e1a91c1ea034.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/bf31d0a901c74d82b7318fd7b672f4c4.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/7c7ccd9bb4b045d0b521b55cca4a7f5b.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "year": 2018, "trim": "Touring+ES+Navi(H/K)+AP", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/JF2SJAWC5JH456836.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2018-Subaru-Forester-bda16598ac184c5d1b9eb0c54ccf7a44.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2018-Subaru-Forester-bda16598ac184c5d1b9eb0c54ccf7a44.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/JF2SJAWC5JH456836.html", "json_url": "https://ai.castlekiamchenry.com/v/JF2SJAWC5JH456836.json", "markdown_url": "https://ai.castlekiamchenry.com/v/JF2SJAWC5JH456836.md", "vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2018-Subaru-Forester-bda16598ac184c5d1b9eb0c54ccf7a44.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260415A, VIN JF2SJAWC5JH456836. Advertised price: $21,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$21,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2SJAWC5JH456836_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 534, "unit": "per_month", "display": "$534/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21410.0, "price_incl_doc": 21410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 534.14, "amount_financed": 22748.13, "sales_tax": 1338.13, "total_of_payments": 25638.54, "finance_charge": 2890.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260415A, VIN JF2SJAWC5JH456836. $534 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,410, before any dealer documentation fee. Amount financed $22,748, including $1,338 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,639. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SJAWC5JH456836_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 445, "unit": "per_month", "display": "$445/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21410.0, "price_incl_doc": 21410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 444.99, "amount_financed": 22748.13, "sales_tax": 1338.13, "total_of_payments": 26699.2, "finance_charge": 3951.07, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260415A, VIN JF2SJAWC5JH456836. $445 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,410, before any dealer documentation fee. Amount financed $22,748, including $1,338 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,699. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SJAWC5JH456836_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 388, "unit": "per_month", "display": "$388/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.56, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 38811.07, "finance_charge": 4375.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260149A, VIN JF2SLDRC0SH477229. $809 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,811. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SLDRC0SH477229_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 674, "unit": "per_month", "display": "$674/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 673.61, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 40416.68, "finance_charge": 5981.05, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260149A, VIN JF2SLDRC0SH477229. $674 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,417. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SLDRC0SH477229_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 587, "unit": "per_month", "display": "$587/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.93, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 42258.81, "finance_charge": 7823.18, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260149A, VIN JF2SLDRC0SH477229. $587 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,259. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,927"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33927.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDF61T3046096_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 846, "unit": "per_month", "display": "$846/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33927.0, "price_incl_doc": 33927.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 846.41, "amount_financed": 36047.44, "sales_tax": 2120.44, "total_of_payments": 40627.68, "finance_charge": 4580.24, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL157, VIN 4S4SLDF61T3046096. $846 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,927, before any dealer documentation fee. Amount financed $36,047, including $2,120 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,628. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33927.0, "price_incl_doc": 33927.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 705.14, "amount_financed": 36047.44, "sales_tax": 2120.44, "total_of_payments": 42308.44, "finance_charge": 6261.0, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL157, VIN 4S4SLDF61T3046096. $705 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,927, before any dealer documentation fee. Amount financed $36,047, including $2,120 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,308. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33927.0, "price_incl_doc": 33927.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 614.4, "amount_financed": 36047.44, "sales_tax": 2120.44, "total_of_payments": 44236.8, "finance_charge": 8189.36, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL157, VIN 4S4SLDF61T3046096. $614 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,927, before any dealer documentation fee. Amount financed $36,047, including $2,120 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,237. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31199.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDD66T3031547_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 778, "unit": "per_month", "display": "$778/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31199.0, "price_incl_doc": 31199.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 778.35, "amount_financed": 33148.94, "sales_tax": 1949.94, "total_of_payments": 37360.89, "finance_charge": 4211.95, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL153, VIN 4S4SLDD66T3031547. $778 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,199, before any dealer documentation fee. Amount financed $33,149, including $1,950 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,361. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDD66T3031547_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 648, "unit": "per_month", "display": "$648/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31199.0, "price_incl_doc": 31199.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 648.44, "amount_financed": 33148.94, "sales_tax": 1949.94, "total_of_payments": 38906.51, "finance_charge": 5757.57, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL153, VIN 4S4SLDD66T3031547. $648 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,199, before any dealer documentation fee. Amount financed $33,149, including $1,950 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,907. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDD66T3031547_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 565, "unit": "per_month", "display": "$565/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31199.0, "price_incl_doc": 31199.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 565.0, "amount_financed": 33148.94, "sales_tax": 1949.94, "total_of_payments": 40679.81, "finance_charge": 7530.87, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL153, VIN 4S4SLDD66T3031547. $565 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,199, before any dealer documentation fee. Amount financed $33,149, including $1,950 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,680. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30217.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDB60T3009899_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 754, "unit": "per_month", "display": "$754/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30217.0, "price_incl_doc": 30217.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 753.85, "amount_financed": 32105.56, "sales_tax": 1888.56, "total_of_payments": 36184.94, "finance_charge": 4079.38, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL118, VIN 4S4SLDB60T3009899. $754 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,217, before any dealer documentation fee. Amount financed $32,106, including $1,889 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,185. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDB60T3009899_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 628, "unit": "per_month", "display": "$628/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30217.0, "price_incl_doc": 30217.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 628.03, "amount_financed": 32105.56, "sales_tax": 1888.56, "total_of_payments": 37681.91, "finance_charge": 5576.35, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL118, VIN 4S4SLDB60T3009899. $628 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,217, before any dealer documentation fee. Amount financed $32,106, including $1,889 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,682. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDB60T3009899_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 547, "unit": "per_month", "display": "$547/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30217.0, "price_incl_doc": 30217.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 547.21, "amount_financed": 32105.56, "sales_tax": 1888.56, "total_of_payments": 39399.39, "finance_charge": 7293.83, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL118, VIN 4S4SLDB60T3009899. $547 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,217, before any dealer documentation fee. Amount financed $32,106, including $1,889 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,399. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 150}}, {"vin": "JF2SJABC6JH613473", "title": "2018 Subaru Forester 2.5i", "year": 2018, "make": "Subaru", "model": "Forester", "trim": "2.5i", "decoded_trim": "Base P", "condition": "used", "price": 15810.0, "msrp": null, "sale_price": 15810.0, "currency": "USD", "mileage": 115000, "exterior_color": "Dark Gray Metallic", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260506A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 26, "primary_image": "https://content.homenetiol.com/2003378/2267014/0x0/62568bef27944d0baa49d6d3952e6e25.jpg", "images": ["https://content.homenetiol.com/2003378/2267014/0x0/62568bef27944d0baa49d6d3952e6e25.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/2a614b49c2514f10904a2dcc7636d19d.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/d62093160a98431fac267b9637c80bf1.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/3a9081e00f2c45528a060307ea992418.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/6d406c8125f34a7db407f9ff655f33a5.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/b9188d560e1f4e77bbada60ec72afaa3.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/d24cc45f240344dc9dbc5dd4b97f09bb.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/dff4c1c697034bd2bbad419c14cd8764.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/4cf757ae6ed04881811ecb9c4f74ea84.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/06ca7c6fd9dc48d39f0ac69a7c897fd9.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/1db891aa1caa4538ac3ea5d152f80b7d.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/d8efcbd8070b418e9397b8121b296f1a.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/b5228778c0ad46d4bf510fb587bd556a.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/b83084ad5ee24b6280cc09a37b4a2c52.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/8f167db213dd4c068f4bfda2dcde7814.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/dde88c4b2e474895b68c1959dfb897d7.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/2bb12df7d68a4701a586ccc56780819d.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/4364e4b6c3de4d528f996ebf7a77367c.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/24c28f4797674182aa0e3f7960819f0f.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/28e7ee40f2e24810bdce2ff163cea04a.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/a88882297fce4db08caf0bfffc080e21.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/4c827c8e23ec45dd9583cf30c9c214e0.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/3a8f5af8bb0940baae8d50fed93f3f4b.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/e16b549aa163463f96a29034b0caceb7.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/fa01640f274540e096bf14298b1ecf17.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/68da4cf2551540c3ba459e8ba63c542d.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "year": 2018, "trim": "Base P", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/JF2SJABC6JH613473.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2018-Subaru-Forester-0302099dac184759c8b579b45e750249.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2018-Subaru-Forester-0302099dac184759c8b579b45e750249.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/JF2SJABC6JH613473.html", "json_url": "https://ai.castlekiamchenry.com/v/JF2SJABC6JH613473.json", "markdown_url": "https://ai.castlekiamchenry.com/v/JF2SJABC6JH613473.md", "vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2018-Subaru-Forester-0302099dac184759c8b579b45e750249.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260506A, VIN JF2SJABC6JH613473. Advertised price: $15,810. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$15,810"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 15810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2SJABC6JH613473_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 394, "unit": "per_month", "display": "$394/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15810.0, "price_incl_doc": 15810.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 394.43, "amount_financed": 16798.13, "sales_tax": 988.13, "total_of_payments": 18932.52, "finance_charge": 2134.39, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260506A, VIN JF2SJABC6JH613473. $394 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $15,810, before any dealer documentation fee. Amount financed $16,798, including $988 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $18,933. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SJABC6JH613473_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 329, "unit": "per_month", "display": "$329/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15810.0, "price_incl_doc": 15810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 328.6, "amount_financed": 16798.13, "sales_tax": 988.13, "total_of_payments": 19715.76, "finance_charge": 2917.63, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260506A, VIN JF2SJABC6JH613473. $329 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $15,810, before any dealer documentation fee. Amount financed $16,798, including $988 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $19,716. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SJABC6JH613473_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 286, "unit": "per_month", "display": "$286/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15810.0, "price_incl_doc": 15810.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 286.31, "amount_financed": 16798.13, "sales_tax": 988.13, "total_of_payments": 20614.38, "finance_charge": 3816.25, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260506A, VIN JF2SJABC6JH613473. $286 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $15,810, before any dealer documentation fee. Amount financed $16,798, including $988 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $20,614. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30410.0, "price_incl_doc": 30410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.04, "amount_financed": 32310.63, "sales_tax": 1900.63, "total_of_payments": 37922.59, "finance_charge": 5611.96, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260593A, VIN JF2SLDDC6SH512024. $632 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,410, before any dealer documentation fee. Amount financed $32,311, including $1,901 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,923. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SLDDC6SH512024_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 551, "unit": "per_month", "display": "$551/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32452.0, "price_incl_doc": 32452.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 809.61, "amount_financed": 34480.25, "sales_tax": 2028.25, "total_of_payments": 38861.36, "finance_charge": 4381.11, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL126, VIN 4S4SLDF62T3009512. $810 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,452, before any dealer documentation fee. Amount financed $34,480, including $2,028 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,861. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDF62T3009512_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 674, "unit": "per_month", "display": "$674/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32452.0, "price_incl_doc": 32452.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 674.48, "amount_financed": 34480.25, "sales_tax": 2028.25, "total_of_payments": 40469.05, "finance_charge": 5988.8, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL126, VIN 4S4SLDF62T3009512. $674 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,452, before any dealer documentation fee. Amount financed $34,480, including $2,028 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,469. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDF62T3009512_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32452.0, "price_incl_doc": 32452.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 587.69, "amount_financed": 34480.25, "sales_tax": 2028.25, "total_of_payments": 42313.57, "finance_charge": 7833.32, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL126, VIN 4S4SLDF62T3009512. $588 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,452, before any dealer documentation fee. Amount financed $34,480, including $2,028 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,314. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 141}}, {"vin": "4S4GUHF67S3744219", "title": "2025 Subaru Crosstrek Sport", "year": 2025, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 27723.0, "msrp": null, "sale_price": 27723.0, "currency": "USD", "mileage": 15000, "exterior_color": "Ice Silver Metallic", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL079", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 29, "primary_image": "https://content.homenetiol.com/2003378/2267014/0x0/5fe5d43a4b834b0ebdf0c26dd5d6d7f4.jpg", "images": ["https://content.homenetiol.com/2003378/2267014/0x0/5fe5d43a4b834b0ebdf0c26dd5d6d7f4.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/2e4dbffcce744f92bd76d9fe40d69ffd.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/97d0926de09f450eaaf3092f7f653727.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/d7a891ca25964eea97d6bc1fbd216f98.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/f05f3005deb748f0b5fc813a52c5fafb.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/92051b510f314145877b35c90a2ae4c4.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/237846b4a68640808516d4dbc3bc184a.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/7f428556789643079e36128a50ba7608.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/802d0d7784b44409b52c8bdbea386736.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/30e1340c678646728092da7f8a84032f.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/f4bdf6fd03fb48c7af20fe57cbe4ccc1.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/feab0c36e95c470c8c379e15e8682808.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/03fb3f154d844546bf2f615691291599.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/44385af3cea84b9b935d55b81e3c303e.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/9e873acf47944667a731ce65cca838a0.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/2235573433904a24879adce81255fc6a.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/b2afd81e772841dbb4d467efe7884242.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/cb28d4c71f194f9cb77c2b9cf5c4e511.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/248bbf5615fa4cefbb53b950204f7ec3.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/7b144323ba4b437cbe356995276d9d54.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/ff9b3419a76b41d5abb06b32247118ea.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/4f44cc62b5364d28a933ce69ca8f39b0.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/1b59b19978d241dc8df9d22b323c7516.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/33b8946e9bca47d1a28111108720eb8c.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/9684f9fee9df4d6fafbac6fcaa6afbc0.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/44616259df874ecf83995c686ffb49c6.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/0d17f0a052354123b11e0755e6b51898.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/ade3421f9fb3470d82fbacbda5b0c804.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/09ba8208630949b38513122a02bd8ba6.jpg"], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2025, "trim": "Sport", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHF67S3744219.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda1801dac181734323613c645e555eb.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda1801dac181734323613c645e555eb.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHF67S3744219.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHF67S3744219.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHF67S3744219.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda1801dac181734323613c645e555eb.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL079, VIN 4S4GUHF67S3744219. Advertised price: $27,723. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,723"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27723.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF67S3744219_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 692, "unit": "per_month", "display": "$692/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27723.0, "price_incl_doc": 27723.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 691.63, "amount_financed": 29455.69, "sales_tax": 1732.69, "total_of_payments": 33198.37, "finance_charge": 3742.68, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL079, VIN 4S4GUHF67S3744219. $692 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,723, before any dealer documentation fee. Amount financed $29,456, including $1,733 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,198. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF67S3744219_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 576, "unit": "per_month", "display": "$576/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27723.0, "price_incl_doc": 27723.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 576.2, "amount_financed": 29455.69, "sales_tax": 1732.69, "total_of_payments": 34571.79, "finance_charge": 5116.1, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL079, VIN 4S4GUHF67S3744219. $576 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,723, before any dealer documentation fee. Amount financed $29,456, including $1,733 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,572. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27723.0, "price_incl_doc": 27723.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 502.05, "amount_financed": 29455.69, "sales_tax": 1732.69, "total_of_payments": 36147.52, "finance_charge": 6691.83, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL079, VIN 4S4GUHF67S3744219. $502 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,723, before any dealer documentation fee. Amount financed $29,456, including $1,733 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,148. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 183}}, {"vin": "4S4GUHF61R3705247", "title": "2024 Subaru Crosstrek Sport", "year": 2024, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 26410.0, "msrp": null, "sale_price": 26410.0, "currency": "USD", "mileage": 15000, "exterior_color": "Crystal Black Silica", "interior_color": "Gray W/Yellow Stitching", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260395A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2024, "trim": "Sport", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHF61R3705247.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2024-Subaru-Crosstrek-bda1eda8ac181e22457d1d20f1078407.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2024-Subaru-Crosstrek-bda1eda8ac181e22457d1d20f1078407.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHF61R3705247.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHF61R3705247.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHF61R3705247.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2024-Subaru-Crosstrek-bda1eda8ac181e22457d1d20f1078407.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260395A, VIN 4S4GUHF61R3705247. Advertised price: $26,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF61R3705247_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 659, "unit": "per_month", "display": "$659/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26410.0, "price_incl_doc": 26410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 658.88, "amount_financed": 28060.63, "sales_tax": 1650.63, "total_of_payments": 31626.05, "finance_charge": 3565.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260395A, VIN 4S4GUHF61R3705247. $659 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,410, before any dealer documentation fee. Amount financed $28,061, including $1,651 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,626. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF61R3705247_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 549, "unit": "per_month", "display": "$549/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26410.0, "price_incl_doc": 26410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 548.91, "amount_financed": 28060.63, "sales_tax": 1650.63, "total_of_payments": 32934.42, "finance_charge": 4873.79, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260395A, VIN 4S4GUHF61R3705247. $549 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,410, before any dealer documentation fee. Amount financed $28,061, including $1,651 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,934. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF61R3705247_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 478, "unit": "per_month", "display": "$478/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26410.0, "price_incl_doc": 26410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 478.27, "amount_financed": 28060.63, "sales_tax": 1650.63, "total_of_payments": 34435.52, "finance_charge": 6374.89, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260395A, VIN 4S4GUHF61R3705247. $478 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,410, before any dealer documentation fee. Amount financed $28,061, including $1,651 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,436. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 22, "elapsed_ms": 149}}, {"vin": "JF2SLDRC6SH524554", "title": "2025 Subaru Forester Limited", "year": 2025, "make": "Subaru", "model": "Forester", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 32999.0, "msrp": null, "sale_price": 32999.0, "currency": "USD", "mileage": 10000, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL059", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Forester", "year": 2025, "trim": "Limited", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/JF2SLDRC6SH524554.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Forester-d74176a2ac180c8409390766b410da54.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Forester-d74176a2ac180c8409390766b410da54.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/JF2SLDRC6SH524554.html", "json_url": "https://ai.castlekiamchenry.com/v/JF2SLDRC6SH524554.json", "markdown_url": "https://ai.castlekiamchenry.com/v/JF2SLDRC6SH524554.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Forester-d74176a2ac180c8409390766b410da54.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL059, VIN JF2SLDRC6SH524554. Advertised price: $32,999. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,999"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32999.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2SLDRC6SH524554_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 823, "unit": "per_month", "display": "$823/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32999.0, "price_incl_doc": 32999.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 823.26, "amount_financed": 35061.44, "sales_tax": 2062.44, "total_of_payments": 39516.39, "finance_charge": 4454.95, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL059, VIN JF2SLDRC6SH524554. $823 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,999, before any dealer documentation fee. Amount financed $35,061, including $2,062 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,516. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SLDRC6SH524554_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 686, "unit": "per_month", "display": "$686/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32999.0, "price_incl_doc": 32999.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 685.85, "amount_financed": 35061.44, "sales_tax": 2062.44, "total_of_payments": 41151.19, "finance_charge": 6089.75, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL059, VIN JF2SLDRC6SH524554. $686 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,999, before any dealer documentation fee. Amount financed $35,061, including $2,062 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,151. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SLDRC6SH524554_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 598, "unit": "per_month", "display": "$598/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32999.0, "price_incl_doc": 32999.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 597.59, "amount_financed": 35061.44, "sales_tax": 2062.44, "total_of_payments": 43026.79, "finance_charge": 7965.35, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL059, VIN JF2SLDRC6SH524554. $598 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,999, before any dealer documentation fee. Amount financed $35,061, including $2,062 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $43,027. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 26, "elapsed_ms": 175}}, {"vin": "4S4GUHF61S3738481", "title": "2025 Subaru Crosstrek Sport", "year": 2025, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 28516.0, "msrp": null, "sale_price": 28516.0, "currency": "USD", "mileage": 15000, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL065", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2025, "trim": "Sport", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHF61S3738481.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda1d2cfac183310161e000ff8bc0658.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda1d2cfac183310161e000ff8bc0658.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHF61S3738481.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHF61S3738481.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHF61S3738481.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda1d2cfac183310161e000ff8bc0658.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL065, VIN 4S4GUHF61S3738481. Advertised price: $28,516. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,516"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:00Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28516.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF61S3738481_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 711, "unit": "per_month", "display": "$711/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28516.0, "price_incl_doc": 28516.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 711.42, "amount_financed": 30298.25, "sales_tax": 1782.25, "total_of_payments": 34147.99, "finance_charge": 3849.74, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL065, VIN 4S4GUHF61S3738481. $711 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,516, before any dealer documentation fee. Amount financed $30,298, including $1,782 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,148. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF61S3738481_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 593, "unit": "per_month", "display": "$593/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28516.0, "price_incl_doc": 28516.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 592.68, "amount_financed": 30298.25, "sales_tax": 1782.25, "total_of_payments": 35560.69, "finance_charge": 5262.44, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL065, VIN 4S4GUHF61S3738481. $593 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,516, before any dealer documentation fee. Amount financed $30,298, including $1,782 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,561. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF61S3738481_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 516, "unit": "per_month", "display": "$516/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28516.0, "price_incl_doc": 28516.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 516.41, "amount_financed": 30298.25, "sales_tax": 1782.25, "total_of_payments": 37181.49, "finance_charge": 6883.24, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL065, VIN 4S4GUHF61S3738481. $516 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,516, before any dealer documentation fee. Amount financed $30,298, including $1,782 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,181. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 22, "elapsed_ms": 157}}, {"vin": "4S4GUHM67S3751867", "title": "2025 Subaru Crosstrek Limited", "year": 2025, "make": "Subaru", "model": "Crosstrek", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 31082.0, "msrp": null, "sale_price": 31082.0, "currency": "USD", "mileage": 15000, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL083", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2025, "trim": "Limited", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHM67S3751867.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-d8b18868ac182d6e573aace27bce7a58.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-d8b18868ac182d6e573aace27bce7a58.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHM67S3751867.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHM67S3751867.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHM67S3751867.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-d8b18868ac182d6e573aace27bce7a58.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL083, VIN 4S4GUHM67S3751867. Advertised price: $31,082. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,082"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31082.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHM67S3751867_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 775, "unit": "per_month", "display": "$775/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31082.0, "price_incl_doc": 31082.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 775.43, "amount_financed": 33024.63, "sales_tax": 1942.63, "total_of_payments": 37220.78, "finance_charge": 4196.15, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL083, VIN 4S4GUHM67S3751867. $775 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,082, before any dealer documentation fee. Amount financed $33,025, including $1,943 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,221. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM67S3751867_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 646, "unit": "per_month", "display": "$646/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31082.0, "price_incl_doc": 31082.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 646.01, "amount_financed": 33024.63, "sales_tax": 1942.63, "total_of_payments": 38760.61, "finance_charge": 5735.98, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL083, VIN 4S4GUHM67S3751867. $646 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,082, before any dealer documentation fee. Amount financed $33,025, including $1,943 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,761. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM67S3751867_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 563, "unit": "per_month", "display": "$563/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31082.0, "price_incl_doc": 31082.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 562.88, "amount_financed": 33024.63, "sales_tax": 1942.63, "total_of_payments": 40527.26, "finance_charge": 7502.63, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL083, VIN 4S4GUHM67S3751867. $563 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,082, before any dealer documentation fee. Amount financed $33,025, including $1,943 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,527. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 130}}, {"vin": "4S4GUHF67S3764924", "title": "2025 Subaru Crosstrek Sport", "year": 2025, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 28365.0, "msrp": null, "sale_price": 28365.0, "currency": "USD", "mileage": 15000, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL101", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2025, "trim": "Sport", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHF67S3764924.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda2055dac182b914f3291862c8e53d7.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda2055dac182b914f3291862c8e53d7.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHF67S3764924.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHF67S3764924.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHF67S3764924.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda2055dac182b914f3291862c8e53d7.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL101, VIN 4S4GUHF67S3764924. Advertised price: $28,365. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,365"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28365.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF67S3764924_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 708, "unit": "per_month", "display": "$708/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28365.0, "price_incl_doc": 28365.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.65, "amount_financed": 30137.81, "sales_tax": 1772.81, "total_of_payments": 33967.16, "finance_charge": 3829.35, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL101, VIN 4S4GUHF67S3764924. $708 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,365, before any dealer documentation fee. Amount financed $30,138, including $1,773 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,967. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF67S3764924_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 590, "unit": "per_month", "display": "$590/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28365.0, "price_incl_doc": 28365.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.54, "amount_financed": 30137.81, "sales_tax": 1772.81, "total_of_payments": 35372.38, "finance_charge": 5234.57, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL101, VIN 4S4GUHF67S3764924. $590 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,365, before any dealer documentation fee. Amount financed $30,138, including $1,773 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,372. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF67S3764924_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 514, "unit": "per_month", "display": "$514/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28365.0, "price_incl_doc": 28365.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 513.68, "amount_financed": 30137.81, "sales_tax": 1772.81, "total_of_payments": 36984.6, "finance_charge": 6846.79, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL101, VIN 4S4GUHF67S3764924. $514 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,365, before any dealer documentation fee. Amount financed $30,138, including $1,773 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,985. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 21, "elapsed_ms": 128}}, {"vin": "4S4GUHT69T3705685", "title": "2026 Subaru Crosstrek Wilderness", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "used", "price": 32268.0, "msrp": null, "sale_price": 32268.0, "currency": "USD", "mileage": 15000, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL133", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "trim": "Wilderness", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHT69T3705685.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-e2d7e626ac181809f12ccca651a15c01.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-e2d7e626ac181809f12ccca651a15c01.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHT69T3705685.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHT69T3705685.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHT69T3705685.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-e2d7e626ac181809f12ccca651a15c01.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL133, VIN 4S4GUHT69T3705685. Advertised price: $32,268. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,268"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32268.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHT69T3705685_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 805, "unit": "per_month", "display": "$805/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32268.0, "price_incl_doc": 32268.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 805.02, "amount_financed": 34284.75, "sales_tax": 2016.75, "total_of_payments": 38641.02, "finance_charge": 4356.27, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL133, VIN 4S4GUHT69T3705685. $805 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,268, before any dealer documentation fee. Amount financed $34,285, including $2,017 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,641. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHT69T3705685_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 671, "unit": "per_month", "display": "$671/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32268.0, "price_incl_doc": 32268.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 670.66, "amount_financed": 34284.75, "sales_tax": 2016.75, "total_of_payments": 40239.6, "finance_charge": 5954.85, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL133, VIN 4S4GUHT69T3705685. $671 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,268, before any dealer documentation fee. Amount financed $34,285, including $2,017 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,240. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHT69T3705685_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32268.0, "price_incl_doc": 32268.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 584.36, "amount_financed": 34284.75, "sales_tax": 2016.75, "total_of_payments": 42073.65, "finance_charge": 7788.9, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL133, VIN 4S4GUHT69T3705685. $584 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,268, before any dealer documentation fee. Amount financed $34,285, including $2,017 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,074. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 27, "elapsed_ms": 156}}, {"vin": "4S4GUHF65S3744364", "title": "2025 Subaru Crosstrek Sport", "year": 2025, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 28273.0, "msrp": null, "sale_price": 28273.0, "currency": "USD", "mileage": 15000, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL104", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 32, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/841644cc32c24f1596ae81072fb42dfb.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/841644cc32c24f1596ae81072fb42dfb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0b8f63e460ae4ba78e7a95b8a5c30127.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1330d95129ef47ff95dcbca2a6f207fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1514e4c64cec44dc9cd9679677ddf8d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/314cc4fd23344a40b419653520e4eb6f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e04fdbf671e845a6afbe818e36f2be99.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bc6133493d3a45f39b0e3042be03a6c5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba85fbe72eca4027adc475a35a75348b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/883ca129b19f467fa86aeccb3576e6ea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7f4062ab8ec7499ba09cc492076613d0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e6a59c3ac8fd45a696697594576fdc2c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6a22a7be65064a68a56a953a738b3152.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a5ced034ad5842b1a43205806246b378.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e3eeddde8510418bbc02e5fec1a705a5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bfa3fd597fb642b6a7b1a30a74076b17.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9fab1ff13639456993b75b8316aa7846.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff0137581eb64f0b9a507fc6558e3d1e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a138bc0d7f9845919faa8b3caeaea8f2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f386cec356f4246a382b851700fc300.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/654e06de0046473e9ab5793f972b9f7e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/439fc788579a4f1b8b1902f48dc7d828.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f2bd99ea9ec47b487a10d3d34da7529.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f80b38608605402c9f54e70854024535.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e35ddc4a3da74596a0c54494b3a7643e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4022c1e6dc724ddfa9a619724c56377f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9bb647c2701c453bb46df2f4e1825dfd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0ee3ea376f0b4c3f810403df650a1861.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/47c7777ed1744a15abb3e1ff0959ca8a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0d7596cf88bb4b31b67e800169783ab7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed7d163d4a714e51a9712cc7d416d98a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/660f517c9cf64fcda402d3388eba21da.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/202f4f40855f45bebe3be618385dccc2.jpg"], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2025, "trim": "Sport", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHF65S3744364.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda1de46ac1817e23fdc224a8169958f.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda1de46ac1817e23fdc224a8169958f.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHF65S3744364.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHF65S3744364.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHF65S3744364.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda1de46ac1817e23fdc224a8169958f.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL104, VIN 4S4GUHF65S3744364. Advertised price: $28,273. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,273"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28273.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF65S3744364_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 705, "unit": "per_month", "display": "$705/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28273.0, "price_incl_doc": 28273.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 705.35, "amount_financed": 30040.06, "sales_tax": 1767.06, "total_of_payments": 33856.99, "finance_charge": 3816.93, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL104, VIN 4S4GUHF65S3744364. $705 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,273, before any dealer documentation fee. Amount financed $30,040, including $1,767 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,857. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF65S3744364_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28273.0, "price_incl_doc": 28273.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 587.63, "amount_financed": 30040.06, "sales_tax": 1767.06, "total_of_payments": 35257.65, "finance_charge": 5217.59, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL104, VIN 4S4GUHF65S3744364. $588 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,273, before any dealer documentation fee. Amount financed $30,040, including $1,767 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,258. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF65S3744364_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 512, "unit": "per_month", "display": "$512/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28273.0, "price_incl_doc": 28273.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 512.01, "amount_financed": 30040.06, "sales_tax": 1767.06, "total_of_payments": 36864.64, "finance_charge": 6824.58, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL104, VIN 4S4GUHF65S3744364. $512 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,273, before any dealer documentation fee. Amount financed $30,040, including $1,767 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,865. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27970.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28361.0, "price_incl_doc": 28361.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.55, "amount_financed": 30133.56, "sales_tax": 1772.56, "total_of_payments": 33962.37, "finance_charge": 3828.81, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL062, VIN 4S4GUHF64S3721531. $708 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,361, before any dealer documentation fee. Amount financed $30,134, including $1,773 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,962. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF64S3721531_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28361.0, "price_incl_doc": 28361.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.46, "amount_financed": 30133.56, "sales_tax": 1772.56, "total_of_payments": 35367.39, "finance_charge": 5233.83, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL062, VIN 4S4GUHF64S3721531. $589 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,361, before any dealer documentation fee. Amount financed $30,134, including $1,773 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,367. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF64S3721531_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 514, "unit": "per_month", "display": "$514/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28361.0, "price_incl_doc": 28361.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 513.6, "amount_financed": 30133.56, "sales_tax": 1772.56, "total_of_payments": 36979.39, "finance_charge": 6845.83, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL062, VIN 4S4GUHF64S3721531. $514 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,361, before any dealer documentation fee. Amount financed $30,134, including $1,773 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,979. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 96}}, {"vin": "JF2GUHDC6S8335016", "title": "2025 Subaru Crosstrek Premium", "year": 2025, "make": "Subaru", "model": "Crosstrek", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 28603.0, "msrp": null, "sale_price": 28603.0, "currency": "USD", "mileage": 15000, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260478A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 30, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/61742576c9ce49c1bd1718d27f8a4712.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/61742576c9ce49c1bd1718d27f8a4712.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/32ffd0f8ebe544b1aacc0ce484251c5f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b88c4b0b8fad432cafb80633ee3f2b94.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c51896afcb1d4e4b81e936f3f7075d8e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/050512ae7c3b4691a269b4e53c1535c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a60a7fac69624e42844325d02098bb27.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/45798aafae50458094a5f689f61c024c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6da1654cc3b046d0a7f7f923cc222865.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6f2c349be3644a57a34a93b492cd416e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0853fa7fd791463db799760ca5b93913.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/24da77b21f5544249065419f82737f0c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/55e357c54bc44d709fcfd84bbb7a51d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f7213aef666341f29a6ab44e9cc704e0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bbef1f00b37a466e9f5b362625850775.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a366deb270464c2c92fe2e4c139a8a5f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a822c58532c54322b138bea62f1f0c2b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7bd7a4b364274299950e0e48c81f1f96.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/530e6e4ff50246e391b233dd17c57cd2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d3579f3cbc34834a6cef9faa2d2d108.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3e5ca8a7b08649fda11ad027535c3ed3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1a1879da694b4fca8345ecdce48382ce.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5eaac9ba978e4ecf8075545cf8737863.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8f46d7ca8bfd4877b76bb8a22d4d8ef4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5eeb36fe831e4735ba43d1bbced10e01.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/10d4ce62b91d4599a0f42a082500b524.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa28b911f03549e9ab82482f48093e17.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5577eed1ea72421e8f0b394a8d0e8827.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/63b15c30fd4344338fb88957404262fe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7b999afd61c940f2a289f1ca247b0b77.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/55f7b9c9d9c5488f88cbf3f02c004d60.jpg"], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2025, "trim": "Premium", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/JF2GUHDC6S8335016.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-179b58beac182d12aed28c668282954d.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-179b58beac182d12aed28c668282954d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/JF2GUHDC6S8335016.html", "json_url": "https://ai.castlekiamchenry.com/v/JF2GUHDC6S8335016.json", "markdown_url": "https://ai.castlekiamchenry.com/v/JF2GUHDC6S8335016.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-179b58beac182d12aed28c668282954d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260478A, VIN JF2GUHDC6S8335016. Advertised price: $28,603. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,603"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28603.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUHDC6S8335016_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 714, "unit": "per_month", "display": "$714/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28603.0, "price_incl_doc": 28603.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 713.59, "amount_financed": 30390.69, "sales_tax": 1787.69, "total_of_payments": 34252.17, "finance_charge": 3861.48, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260478A, VIN JF2GUHDC6S8335016. $714 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,603, before any dealer documentation fee. Amount financed $30,391, including $1,788 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,252. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUHDC6S8335016_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 594, "unit": "per_month", "display": "$594/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28603.0, "price_incl_doc": 28603.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 594.49, "amount_financed": 30390.69, "sales_tax": 1787.69, "total_of_payments": 35669.18, "finance_charge": 5278.49, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260478A, VIN JF2GUHDC6S8335016. $594 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,603, before any dealer documentation fee. Amount financed $30,391, including $1,788 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,669. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUHDC6S8335016_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 518, "unit": "per_month", "display": "$518/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28603.0, "price_incl_doc": 28603.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 517.99, "amount_financed": 30390.69, "sales_tax": 1787.69, "total_of_payments": 37294.93, "finance_charge": 6904.24, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260478A, VIN JF2GUHDC6S8335016. $518 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,603, before any dealer documentation fee. Amount financed $30,391, including $1,788 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,295. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 102}}, {"vin": "4S4GUHF65T3708014", "title": "2026 Subaru Crosstrek Sport", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 28866.0, "msrp": null, "sale_price": 28866.0, "currency": "USD", "mileage": 15000, "exterior_color": "Crystal Black Silica", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL128", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "trim": "Sport", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHF65T3708014.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-d8b185cfac183caa8aeedff1f45c0451.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-d8b185cfac183caa8aeedff1f45c0451.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHF65T3708014.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHF65T3708014.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHF65T3708014.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-d8b185cfac183caa8aeedff1f45c0451.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL128, VIN 4S4GUHF65T3708014. Advertised price: $28,866. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,866"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF65T3708014_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 720, "unit": "per_month", "display": "$720/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28866.0, "price_incl_doc": 28866.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 720.15, "amount_financed": 30670.13, "sales_tax": 1804.13, "total_of_payments": 34567.12, "finance_charge": 3896.99, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL128, VIN 4S4GUHF65T3708014. $720 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,866, before any dealer documentation fee. Amount financed $30,670, including $1,804 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,567. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF65T3708014_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 600, "unit": "per_month", "display": "$600/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28866.0, "price_incl_doc": 28866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 599.95, "amount_financed": 30670.13, "sales_tax": 1804.13, "total_of_payments": 35997.16, "finance_charge": 5327.03, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL128, VIN 4S4GUHF65T3708014. $600 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,866, before any dealer documentation fee. Amount financed $30,670, including $1,804 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,997. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF65T3708014_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 523, "unit": "per_month", "display": "$523/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28866.0, "price_incl_doc": 28866.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 522.75, "amount_financed": 30670.13, "sales_tax": 1804.13, "total_of_payments": 37637.85, "finance_charge": 6967.72, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL128, VIN 4S4GUHF65T3708014. $523 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,866, before any dealer documentation fee. Amount financed $30,670, including $1,804 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,638. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 95}}, {"vin": "4S4GUHF6XT3705657", "title": "2026 Subaru Crosstrek Sport", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 28089.0, "msrp": null, "sale_price": 28089.0, "currency": "USD", "mileage": 15000, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL134", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "trim": "Sport", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHF6XT3705657.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda17649ac183310161e000ff37d1383.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda17649ac183310161e000ff37d1383.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHF6XT3705657.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHF6XT3705657.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHF6XT3705657.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda17649ac183310161e000ff37d1383.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL134, VIN 4S4GUHF6XT3705657. Advertised price: $28,089. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,089"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28089.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF6XT3705657_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 701, "unit": "per_month", "display": "$701/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28089.0, "price_incl_doc": 28089.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 700.76, "amount_financed": 29844.56, "sales_tax": 1755.56, "total_of_payments": 33636.65, "finance_charge": 3792.09, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL134, VIN 4S4GUHF6XT3705657. $701 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,089, before any dealer documentation fee. Amount financed $29,845, including $1,756 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,637. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF6XT3705657_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28089.0, "price_incl_doc": 28089.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.8, "amount_financed": 29844.56, "sales_tax": 1755.56, "total_of_payments": 35028.2, "finance_charge": 5183.64, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL134, VIN 4S4GUHF6XT3705657. $584 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,089, before any dealer documentation fee. Amount financed $29,845, including $1,756 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,028. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF6XT3705657_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 509, "unit": "per_month", "display": "$509/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28089.0, "price_incl_doc": 28089.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 508.68, "amount_financed": 29844.56, "sales_tax": 1755.56, "total_of_payments": 36624.73, "finance_charge": 6780.17, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL134, VIN 4S4GUHF6XT3705657. $509 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,089, before any dealer documentation fee. Amount financed $29,845, including $1,756 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,625. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 105}}, {"vin": "4S4GUHF62T3708164", "title": "2026 Subaru Crosstrek Sport", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 28632.0, "msrp": null, "sale_price": 28632.0, "currency": "USD", "mileage": 15000, "exterior_color": "Crystal White Pearl", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL127", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "trim": "Sport", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHF62T3708164.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda17ee8ac184c5d1b9eb0c5148e0a56.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda17ee8ac184c5d1b9eb0c5148e0a56.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHF62T3708164.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHF62T3708164.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHF62T3708164.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda17ee8ac184c5d1b9eb0c5148e0a56.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL127, VIN 4S4GUHF62T3708164. Advertised price: $28,632. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,632"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28632.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF62T3708164_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 714, "unit": "per_month", "display": "$714/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28632.0, "price_incl_doc": 28632.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 714.31, "amount_financed": 30421.5, "sales_tax": 1789.5, "total_of_payments": 34286.9, "finance_charge": 3865.4, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL127, VIN 4S4GUHF62T3708164. $714 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,632, before any dealer documentation fee. Amount financed $30,422, including $1,790 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,287. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF62T3708164_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 595, "unit": "per_month", "display": "$595/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28632.0, "price_incl_doc": 28632.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 595.09, "amount_financed": 30421.5, "sales_tax": 1789.5, "total_of_payments": 35705.35, "finance_charge": 5283.85, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL127, VIN 4S4GUHF62T3708164. $595 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,632, before any dealer documentation fee. Amount financed $30,422, including $1,790 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,705. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF62T3708164_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 519, "unit": "per_month", "display": "$519/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28632.0, "price_incl_doc": 28632.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 518.51, "amount_financed": 30421.5, "sales_tax": 1789.5, "total_of_payments": 37332.74, "finance_charge": 6911.24, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL127, VIN 4S4GUHF62T3708164. $519 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,632, before any dealer documentation fee. Amount financed $30,422, including $1,790 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,333. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 22, "elapsed_ms": 101}}, {"vin": "4S4GUHD62T3707826", "title": "2026 Subaru Crosstrek Premium", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 26792.0, "msrp": null, "sale_price": 26792.0, "currency": "USD", "mileage": 15000, "exterior_color": "Crystal Black Silica", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL114", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "trim": "Premium", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHD62T3707826.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda28748ac183310161e000f658021d5.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda28748ac183310161e000f658021d5.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHD62T3707826.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHD62T3707826.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHD62T3707826.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-bda28748ac183310161e000f658021d5.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL114, VIN 4S4GUHD62T3707826. Advertised price: $26,792. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,792"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26792.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHD62T3707826_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 668, "unit": "per_month", "display": "$668/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26792.0, "price_incl_doc": 26792.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 668.41, "amount_financed": 28466.5, "sales_tax": 1674.5, "total_of_payments": 32083.49, "finance_charge": 3616.99, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL114, VIN 4S4GUHD62T3707826. $668 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,792, before any dealer documentation fee. Amount financed $28,466, including $1,674 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,083. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHD62T3707826_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 557, "unit": "per_month", "display": "$557/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26792.0, "price_incl_doc": 26792.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 556.85, "amount_financed": 28466.5, "sales_tax": 1674.5, "total_of_payments": 33410.79, "finance_charge": 4944.29, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL114, VIN 4S4GUHD62T3707826. $557 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,792, before any dealer documentation fee. Amount financed $28,466, including $1,674 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,411. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHD62T3707826_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 485, "unit": "per_month", "display": "$485/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26792.0, "price_incl_doc": 26792.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 485.19, "amount_financed": 28466.5, "sales_tax": 1674.5, "total_of_payments": 34933.6, "finance_charge": 6467.1, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL114, VIN 4S4GUHD62T3707826. $485 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,792, before any dealer documentation fee. Amount financed $28,466, including $1,674 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,934. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-e2d7db0fac18361d01ce190871c08378.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHD62T3722584.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHD62T3722584.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHD62T3722584.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-e2d7db0fac18361d01ce190871c08378.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27570.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHD62T3722584_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 688, "unit": "per_month", "display": "$688/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27570.0, "price_incl_doc": 27570.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 687.82, "amount_financed": 29293.13, "sales_tax": 1723.13, "total_of_payments": 33015.15, "finance_charge": 3722.02, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL136, VIN 4S4GUHD62T3722584. $688 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,570, before any dealer documentation fee. Amount financed $29,293, including $1,723 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,015. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHD62T3722584_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27570.0, "price_incl_doc": 27570.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 573.02, "amount_financed": 29293.13, "sales_tax": 1723.13, "total_of_payments": 34380.99, "finance_charge": 5087.86, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL136, VIN 4S4GUHD62T3722584. $573 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,570, before any dealer documentation fee. Amount financed $29,293, including $1,723 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,381. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBDM7PM569092_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.98, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 29231.05, "finance_charge": 3295.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260709A, VIN 3MVDMBDM7PM569092. $609 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,231. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDM7PM569092_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 507, "unit": "per_month", "display": "$507/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.34, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 30440.33, "finance_charge": 4504.7, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260709A, VIN 3MVDMBDM7PM569092. $507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,440. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDM7PM569092_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 442.05, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 31827.76, "finance_charge": 5892.13, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260709A, VIN 3MVDMBDM7PM569092. $442 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,828. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27465.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHD63T3707964_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 685, "unit": "per_month", "display": "$685/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27465.0, "price_incl_doc": 27465.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 685.2, "amount_financed": 29181.56, "sales_tax": 1716.56, "total_of_payments": 32889.41, "finance_charge": 3707.85, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL119, VIN 4S4GUHD63T3707964. $685 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,465, before any dealer documentation fee. Amount financed $29,182, including $1,717 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,889. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27465.0, "price_incl_doc": 27465.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 570.83, "amount_financed": 29181.56, "sales_tax": 1716.56, "total_of_payments": 34250.04, "finance_charge": 5068.48, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL119, VIN 4S4GUHD63T3707964. $571 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,465, before any dealer documentation fee. Amount financed $29,182, including $1,717 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,250. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHD63T3707964_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 497, "unit": "per_month", "display": "$497/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27465.0, "price_incl_doc": 27465.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 497.38, "amount_financed": 29181.56, "sales_tax": 1716.56, "total_of_payments": 35811.11, "finance_charge": 6629.55, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL119, VIN 4S4GUHD63T3707964. $497 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,465, before any dealer documentation fee. Amount financed $29,182, including $1,717 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,811. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 123}}, {"vin": "4S4GUHN60S3738425", "title": "2025 Subaru Crosstrek Limited", "year": 2025, "make": "Subaru", "model": "Crosstrek", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 30078.0, "msrp": null, "sale_price": 30078.0, "currency": "USD", "mileage": 15000, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL078", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2025, "trim": "Limited", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHN60S3738425.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda127d8ac182b914f329186a2bc9aa1.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda127d8ac182b914f329186a2bc9aa1.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHN60S3738425.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHN60S3738425.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHN60S3738425.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Crosstrek-bda127d8ac182b914f329186a2bc9aa1.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL078, VIN 4S4GUHN60S3738425. Advertised price: $30,078. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,078"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30078.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHN60S3738425_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 750, "unit": "per_month", "display": "$750/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30078.0, "price_incl_doc": 30078.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 750.39, "amount_financed": 31957.88, "sales_tax": 1879.88, "total_of_payments": 36018.49, "finance_charge": 4060.61, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL078, VIN 4S4GUHN60S3738425. $750 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,078, before any dealer documentation fee. Amount financed $31,958, including $1,880 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,018. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHN60S3738425_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 625, "unit": "per_month", "display": "$625/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30078.0, "price_incl_doc": 30078.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 625.14, "amount_financed": 31957.88, "sales_tax": 1879.88, "total_of_payments": 37508.58, "finance_charge": 5550.7, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL078, VIN 4S4GUHN60S3738425. $625 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,078, before any dealer documentation fee. Amount financed $31,958, including $1,880 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,509. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHN60S3738425_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 545, "unit": "per_month", "display": "$545/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30078.0, "price_incl_doc": 30078.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.7, "amount_financed": 31957.88, "sales_tax": 1879.88, "total_of_payments": 39218.16, "finance_charge": 7260.28, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL078, VIN 4S4GUHN60S3738425. $545 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,078, before any dealer documentation fee. Amount financed $31,958, including $1,880 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,218. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 26, "elapsed_ms": 130}}, {"vin": "4S4GUHD66T3713578", "title": "2026 Subaru Crosstrek Premium", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 28106.0, "msrp": null, "sale_price": 28106.0, "currency": "USD", "mileage": 15000, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL147", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "trim": "Premium", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHD66T3713578.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-d8b1821fac185eec87751305cf05cd25.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-d8b1821fac185eec87751305cf05cd25.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHD66T3713578.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHD66T3713578.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHD66T3713578.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-d8b1821fac185eec87751305cf05cd25.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL147, VIN 4S4GUHD66T3713578. Advertised price: $28,106. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,106"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28106.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHD66T3713578_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 701, "unit": "per_month", "display": "$701/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28106.0, "price_incl_doc": 28106.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.19, "amount_financed": 29862.63, "sales_tax": 1756.63, "total_of_payments": 33657.02, "finance_charge": 3794.39, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL147, VIN 4S4GUHD66T3713578. $701 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,106, before any dealer documentation fee. Amount financed $29,863, including $1,757 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,657. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHD66T3713578_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28106.0, "price_incl_doc": 28106.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 584.16, "amount_financed": 29862.63, "sales_tax": 1756.63, "total_of_payments": 35049.41, "finance_charge": 5186.78, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL147, VIN 4S4GUHD66T3713578. $584 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,106, before any dealer documentation fee. Amount financed $29,863, including $1,757 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,049. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHD66T3713578_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 509, "unit": "per_month", "display": "$509/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28106.0, "price_incl_doc": 28106.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 508.98, "amount_financed": 29862.63, "sales_tax": 1756.63, "total_of_payments": 36646.9, "finance_charge": 6784.27, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL147, VIN 4S4GUHD66T3713578. $509 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,106, before any dealer documentation fee. Amount financed $29,863, including $1,757 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,647. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 22, "elapsed_ms": 108}}, {"vin": "4S4WMAWD6R3444084", "title": "2024 Subaru Ascent Touring", "year": 2024, "make": "Subaru", "model": "Ascent", "trim": "Touring", "decoded_trim": "TOURING", "condition": "used", "price": 36110.0, "msrp": null, "sale_price": 36110.0, "currency": "USD", "mileage": 37800, "exterior_color": "Crystal White Pearl", "interior_color": "Java Brown", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.4L i-4", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260385A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Ascent", "year": 2024, "trim": "TOURING", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.4L 4-Cylinder", "engine_displacement_l": 2.4, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4WMAWD6R3444084.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2024-Subaru-Ascent-bda27d84ac181734323613c6bc66709f.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2024-Subaru-Ascent-bda27d84ac181734323613c6bc66709f.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4WMAWD6R3444084.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4WMAWD6R3444084.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4WMAWD6R3444084.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2024-Subaru-Ascent-bda27d84ac181734323613c6bc66709f.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260385A, VIN 4S4WMAWD6R3444084. Advertised price: $36,110. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,110"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36110.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMAWD6R3444084_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 901, "unit": "per_month", "display": "$901/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36110.0, "price_incl_doc": 36110.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 900.87, "amount_financed": 38366.88, "sales_tax": 2256.88, "total_of_payments": 43241.83, "finance_charge": 4874.95, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260385A, VIN 4S4WMAWD6R3444084. $901 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $36,110, before any dealer documentation fee. Amount financed $38,367, including $2,257 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $43,242. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAWD6R3444084_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 751, "unit": "per_month", "display": "$751/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36110.0, "price_incl_doc": 36110.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 750.51, "amount_financed": 38366.88, "sales_tax": 2256.88, "total_of_payments": 45030.74, "finance_charge": 6663.86, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260385A, VIN 4S4WMAWD6R3444084. $751 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $36,110, before any dealer documentation fee. Amount financed $38,367, including $2,257 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $45,031. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAWD6R3444084_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 654, "unit": "per_month", "display": "$654/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36110.0, "price_incl_doc": 36110.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.93, "amount_financed": 38366.88, "sales_tax": 2256.88, "total_of_payments": 47083.17, "finance_charge": 8716.29, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260385A, VIN 4S4WMAWD6R3444084. $654 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $36,110, before any dealer documentation fee. Amount financed $38,367, including $2,257 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $47,083. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 122}}, {"vin": "JF2GUABCXR8233691", "title": "2024 Subaru Crosstrek Base", "year": 2024, "make": "Subaru", "model": "Crosstrek", "trim": "Base", "decoded_trim": "Base", "condition": "used", "price": 25744.0, "msrp": null, "sale_price": 25744.0, "currency": "USD", "mileage": 15000, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260591A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2024, "trim": "Base", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/JF2GUABCXR8233691.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2024-Subaru-Crosstrek-88e72815ac18013719a6da345f2d75f3.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2024-Subaru-Crosstrek-88e72815ac18013719a6da345f2d75f3.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/JF2GUABCXR8233691.html", "json_url": "https://ai.castlekiamchenry.com/v/JF2GUABCXR8233691.json", "markdown_url": "https://ai.castlekiamchenry.com/v/JF2GUABCXR8233691.md", "vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2024-Subaru-Crosstrek-88e72815ac18013719a6da345f2d75f3.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260591A, VIN JF2GUABCXR8233691. Advertised price: $25,744. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$25,744"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25744.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUABCXR8233691_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 642, "unit": "per_month", "display": "$642/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25744.0, "price_incl_doc": 25744.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 642.26, "amount_financed": 27353.0, "sales_tax": 1609.0, "total_of_payments": 30828.51, "finance_charge": 3475.51, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260591A, VIN JF2GUABCXR8233691. $642 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,744, before any dealer documentation fee. Amount financed $27,353, including $1,609 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,829. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUABCXR8233691_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 535, "unit": "per_month", "display": "$535/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25744.0, "price_incl_doc": 25744.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 535.06, "amount_financed": 27353.0, "sales_tax": 1609.0, "total_of_payments": 32103.88, "finance_charge": 4750.88, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260591A, VIN JF2GUABCXR8233691. $535 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,744, before any dealer documentation fee. Amount financed $27,353, including $1,609 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,104. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUABCXR8233691_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 466, "unit": "per_month", "display": "$466/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25744.0, "price_incl_doc": 25744.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 466.21, "amount_financed": 27353.0, "sales_tax": 1609.0, "total_of_payments": 33567.13, "finance_charge": 6214.13, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260591A, VIN JF2GUABCXR8233691. $466 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,744, before any dealer documentation fee. Amount financed $27,353, including $1,609 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,567. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 114}}, {"vin": "4S4WMAED2R3414470", "title": "2024 Subaru Ascent Premium", "year": 2024, "make": "Subaru", "model": "Ascent", "trim": "Premium", "decoded_trim": "PREMIUM 7", "condition": "used", "price": 31810.0, "msrp": null, "sale_price": 31810.0, "currency": "USD", "mileage": 37800, "exterior_color": "Ice Silver Metallic", "interior_color": "Slate Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.4L i-4", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260351A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Ascent", "year": 2024, "trim": "PREMIUM 7", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.4L 4-Cylinder", "engine_displacement_l": 2.4, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4WMAED2R3414470.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2024-Subaru-Ascent-bda13ad4ac1855708c1e5eef35cc2228.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2024-Subaru-Ascent-bda13ad4ac1855708c1e5eef35cc2228.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4WMAED2R3414470.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4WMAED2R3414470.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4WMAED2R3414470.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2024-Subaru-Ascent-bda13ad4ac1855708c1e5eef35cc2228.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260351A, VIN 4S4WMAED2R3414470. Advertised price: $31,810. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,810"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMAED2R3414470_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 794, "unit": "per_month", "display": "$794/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31810.0, "price_incl_doc": 31810.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 793.6, "amount_financed": 33798.13, "sales_tax": 1988.13, "total_of_payments": 38092.57, "finance_charge": 4294.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260351A, VIN 4S4WMAED2R3414470. $794 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,810, before any dealer documentation fee. Amount financed $33,798, including $1,988 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,093. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAED2R3414470_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 661, "unit": "per_month", "display": "$661/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31810.0, "price_incl_doc": 31810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 661.14, "amount_financed": 33798.13, "sales_tax": 1988.13, "total_of_payments": 39668.46, "finance_charge": 5870.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260351A, VIN 4S4WMAED2R3414470. $661 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,810, before any dealer documentation fee. Amount financed $33,798, including $1,988 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,668. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAED2R3414470_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 576, "unit": "per_month", "display": "$576/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31810.0, "price_incl_doc": 31810.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 576.06, "amount_financed": 33798.13, "sales_tax": 1988.13, "total_of_payments": 41476.48, "finance_charge": 7678.35, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260351A, VIN 4S4WMAED2R3414470. $576 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,810, before any dealer documentation fee. Amount financed $33,798, including $1,988 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,476. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHL62R3733532_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 646, "unit": "per_month", "display": "$646/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25910.0, "price_incl_doc": 25910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 646.4, "amount_financed": 27529.38, "sales_tax": 1619.38, "total_of_payments": 31027.3, "finance_charge": 3497.92, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260329A, VIN 4S4GUHL62R3733532. $646 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,910, before any dealer documentation fee. Amount financed $27,529, including $1,619 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,027. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHL62R3733532_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 539, "unit": "per_month", "display": "$539/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25910.0, "price_incl_doc": 25910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 538.51, "amount_financed": 27529.38, "sales_tax": 1619.38, "total_of_payments": 32310.9, "finance_charge": 4781.52, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260329A, VIN 4S4GUHL62R3733532. $539 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,910, before any dealer documentation fee. Amount financed $27,529, including $1,619 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,311. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHL62R3733532_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 469, "unit": "per_month", "display": "$469/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25910.0, "price_incl_doc": 25910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 469.22, "amount_financed": 27529.38, "sales_tax": 1619.38, "total_of_payments": 33783.58, "finance_charge": 6254.2, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260329A, VIN 4S4GUHL62R3733532. $469 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,910, before any dealer documentation fee. Amount financed $27,529, including $1,619 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,784. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 129}}, {"vin": "4S4WMABD2T3402220", "title": "2026 Subaru Ascent Premium", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 35475.0, "msrp": null, "sale_price": 35475.0, "currency": "USD", "mileage": 37800, "exterior_color": "Autumn Green Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.4L i-4", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL151", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Ascent", "year": 2026, "trim": "Premium", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.4L 4-Cylinder", "engine_displacement_l": 2.4, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4WMABD2T3402220.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Ascent-d8b1872cac18473683e043313d85507c.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Ascent-d8b1872cac18473683e043313d85507c.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4WMABD2T3402220.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4WMABD2T3402220.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4WMABD2T3402220.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Ascent-d8b1872cac18473683e043313d85507c.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL151, VIN 4S4WMABD2T3402220. Advertised price: $35,475. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,475"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35475.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMABD2T3402220_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 885, "unit": "per_month", "display": "$885/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35475.0, "price_incl_doc": 35475.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 885.03, "amount_financed": 37692.19, "sales_tax": 2217.19, "total_of_payments": 42481.41, "finance_charge": 4789.22, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL151, VIN 4S4WMABD2T3402220. $885 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,475, before any dealer documentation fee. Amount financed $37,692, including $2,217 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $42,481. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMABD2T3402220_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 737, "unit": "per_month", "display": "$737/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35475.0, "price_incl_doc": 35475.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 737.31, "amount_financed": 37692.19, "sales_tax": 2217.19, "total_of_payments": 44238.87, "finance_charge": 6546.68, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL151, VIN 4S4WMABD2T3402220. $737 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,475, before any dealer documentation fee. Amount financed $37,692, including $2,217 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $44,239. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMABD2T3402220_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 642, "unit": "per_month", "display": "$642/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35475.0, "price_incl_doc": 35475.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 642.43, "amount_financed": 37692.19, "sales_tax": 2217.19, "total_of_payments": 46255.21, "finance_charge": 8563.02, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL151, VIN 4S4WMABD2T3402220. $642 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,475, before any dealer documentation fee. Amount financed $37,692, including $2,217 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $46,255. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 28, "elapsed_ms": 143}}, {"vin": "3C6RR7KG4PG657929", "title": "2023 Ram 1500 Classic Tradesman", "year": 2023, "make": "Ram", "model": "1500 Classic", "trim": "Tradesman", "decoded_trim": "Tradesman", "condition": "used", "price": 35283.0, "msrp": null, "sale_price": 35283.0, "currency": "USD", "mileage": 0, "exterior_color": "Bright White Clearcoat", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.6L V-6", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7914", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Ram", "model": "1500", "year": 2023, "trim": "Tradesman", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "3.6L 6-Cylinder V-Shaped", "engine_displacement_l": 3.6, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3C6RR7KG4PG657929.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Ram/2023-Ram-1500-Classic-676e7120ac183586ac64e56aa0a1cc03.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Ram/2023-Ram-1500-Classic-676e7120ac183586ac64e56aa0a1cc03.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3C6RR7KG4PG657929.html", "json_url": "https://ai.castlekiamchenry.com/v/3C6RR7KG4PG657929.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3C6RR7KG4PG657929.md", "vdp_url": "https://www.castlekiamchenry.com/used/Ram/2023-Ram-1500-Classic-676e7120ac183586ac64e56aa0a1cc03.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MCP7914, VIN 3C6RR7KG4PG657929. Advertised price: $35,283. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,283"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35283.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3C6RR7KG4PG657929_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 880, "unit": "per_month", "display": "$880/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35283.0, "price_incl_doc": 35283.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 880.24, "amount_financed": 37488.19, "sales_tax": 2205.19, "total_of_payments": 42251.49, "finance_charge": 4763.3, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7914, VIN 3C6RR7KG4PG657929. $880 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,283, before any dealer documentation fee. Amount financed $37,488, including $2,205 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $42,251. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3C6RR7KG4PG657929_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 733, "unit": "per_month", "display": "$733/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35283.0, "price_incl_doc": 35283.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 733.32, "amount_financed": 37488.19, "sales_tax": 2205.19, "total_of_payments": 43999.43, "finance_charge": 6511.24, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7914, VIN 3C6RR7KG4PG657929. $733 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,283, before any dealer documentation fee. Amount financed $37,488, including $2,205 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,999. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3C6RR7KG4PG657929_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 639, "unit": "per_month", "display": "$639/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35283.0, "price_incl_doc": 35283.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 638.96, "amount_financed": 37488.19, "sales_tax": 2205.19, "total_of_payments": 46004.86, "finance_charge": 8516.67, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7914, VIN 3C6RR7KG4PG657929. $639 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,283, before any dealer documentation fee. Amount financed $37,488, including $2,205 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $46,005. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 125}}, {"vin": "3C63RRKL9NG360473", "title": "2022 Ram 3500 Limited Longhorn", "year": 2022, "make": "Ram", "model": "3500", "trim": "Limited Longhorn", "decoded_trim": "Longhorn", "condition": "used", "price": 67390.0, "msrp": null, "sale_price": 67390.0, "currency": "USD", "mileage": 0, "exterior_color": "Delmonico Red Pearlcoat", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Diesel", "doors": null, "seating_capacity": null, "engine": "6.7L i-6", "engine_displacement_l": 6.7, "engine_cylinders": 6, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSK275", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2003378/2267014/0x0/76dc26d3a4f54bf086ee8301a6663989.jpg", "images": ["https://content.homenetiol.com/2003378/2267014/0x0/76dc26d3a4f54bf086ee8301a6663989.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/71ff80282fdd484088b4503a0f806f09.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/6bc0d0bff85d47ac8d60eefe99a13dbe.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/d7854fe0d1784d87a4a155bad89d1fbf.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/594b829653f64ebc991c56d2be04cb3c.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/4aa45f821d5a4f12ab79ee1dcdc83173.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/2912bb66a1cc46f08da13ccd6e3a6c26.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/747d709f5dfc43faaa9ccecebde48a47.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/0b39974a9ec048a484eaab515bb3a4bb.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/ea4b10aa7034418e81f8f564925329e4.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/f65f1b5280df48ecb2bbd72f7d967776.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/5abee28c50cb4bf69ab354ecc0acbee6.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/dea47b2b91d8459aa251644cc901a16a.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/44daa6318b834714b23603291f4106a6.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/35f8486254404d708209f36a269977bd.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/6a75bf7b08ff4bb79033d6e6f9a66ad7.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/f633af496bb04ee0a61bffa9eb3590d8.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/df9f8019a6284f6b87194f57167e8371.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/3e85d80408c14b48909ee7b35e116af4.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/408bfe488236466686b38279f55841ab.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/0bd59ec683e74d25a57ee17bdf5dd8bd.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/ee46622429204f31ab3695df75a89273.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/e767c6058ea8456891a430c092c6f5d8.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/e773b5e0110e4da8989565bc6cfe405f.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/c9910b9ace8245488d7a0ea8d3f91f74.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/dfde814001114505a3f01bcbcc6be14e.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/8685b624cbaf4d589e5a43225d86523d.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/677efa6cfb2a405e812b4edc4292f1f4.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/a06cd6e242b5479e9a5f619890960bf4.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/e19a3d87f2a54adcafc04e4f412b1fc7.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/e2264f3a11f34d3f95b36e2711ff523a.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/d20d06cf540e4e20933e00d052484457.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/74310a6629774de7907fac8fb9b038da.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/3cc7919c12e94fb383f2bc49fa16d81b.jpg"], "vin_decode": {"make": "Ram", "model": "3500", "year": 2022, "trim": "Longhorn", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "6.7L 6-Cylinder In-Line", "engine_displacement_l": 6.7, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Diesel", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3C63RRKL9NG360473.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Ram/2022-Ram-3500-3914e9baac1819229d5476fa9c2f8406.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Ram/2022-Ram-3500-3914e9baac1819229d5476fa9c2f8406.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3C63RRKL9NG360473.html", "json_url": "https://ai.castlekiamchenry.com/v/3C63RRKL9NG360473.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3C63RRKL9NG360473.md", "vdp_url": "https://www.castlekiamchenry.com/used/Ram/2022-Ram-3500-3914e9baac1819229d5476fa9c2f8406.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSK275, VIN 3C63RRKL9NG360473. Advertised price: $67,390. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$67,390"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 67390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3C63RRKL9NG360473_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1681, "unit": "per_month", "display": "$1,681/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 67390.0, "price_incl_doc": 67390.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1681.24, "amount_financed": 71601.88, "sales_tax": 4211.88, "total_of_payments": 80699.71, "finance_charge": 9097.83, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSK275, VIN 3C63RRKL9NG360473. $1,681 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $67,390, before any dealer documentation fee. Amount financed $71,602, including $4,212 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $80,700. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3C63RRKL9NG360473_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1401, "unit": "per_month", "display": "$1,401/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 67390.0, "price_incl_doc": 67390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1400.64, "amount_financed": 71601.88, "sales_tax": 4211.88, "total_of_payments": 84038.26, "finance_charge": 12436.38, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSK275, VIN 3C63RRKL9NG360473. $1,401 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $67,390, before any dealer documentation fee. Amount financed $71,602, including $4,212 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $84,038. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3C63RRKL9NG360473_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1220, "unit": "per_month", "display": "$1,220/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 67390.0, "price_incl_doc": 67390.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1220.4, "amount_financed": 71601.88, "sales_tax": 4211.88, "total_of_payments": 87868.59, "finance_charge": 16266.71, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSK275, VIN 3C63RRKL9NG360473. $1,220 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $67,390, before any dealer documentation fee. Amount financed $71,602, including $4,212 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $87,869. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 134}}, {"vin": "WMWXJ1C01R2U52826", "title": "2024 MINI Cooper S Clubman Signature", "year": 2024, "make": "MINI", "model": "Cooper S Clubman", "trim": "Signature", "decoded_trim": "Cooper S ALL4", "condition": "used", "price": 30109.0, "msrp": null, "sale_price": 30109.0, "currency": "USD", "mileage": 0, "exterior_color": "Chili Red", "interior_color": "Malt Brown", "drivetrain": "Drivetrain", "body_style": "Wagon", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 6, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic Sport", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260537A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Mini", "model": "Clubman", "year": 2024, "trim": "Cooper S ALL4", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 6}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/MINI/2024-MINI-Cooper-S-Clubman-66242d6fac183586ac64e56a5471bc64.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/MINI/2024-MINI-Cooper-S-Clubman-66242d6fac183586ac64e56a5471bc64.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/WMWXJ1C01R2U52826.html", "json_url": "https://ai.castlekiamchenry.com/v/WMWXJ1C01R2U52826.json", "markdown_url": "https://ai.castlekiamchenry.com/v/WMWXJ1C01R2U52826.md", "vdp_url": "https://www.castlekiamchenry.com/used/MINI/2024-MINI-Cooper-S-Clubman-66242d6fac183586ac64e56a5471bc64.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260537A, VIN WMWXJ1C01R2U52826. Advertised price: $30,109. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,109"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WMWXJ1C01R2U52826_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 751, "unit": "per_month", "display": "$751/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30109.0, "price_incl_doc": 30109.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 751.16, "amount_financed": 31990.81, "sales_tax": 1881.81, "total_of_payments": 36055.61, "finance_charge": 4064.8, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260537A, VIN WMWXJ1C01R2U52826. $751 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,109, before any dealer documentation fee. Amount financed $31,991, including $1,882 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,056. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WMWXJ1C01R2U52826_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 626, "unit": "per_month", "display": "$626/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30109.0, "price_incl_doc": 30109.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 625.79, "amount_financed": 31990.81, "sales_tax": 1881.81, "total_of_payments": 37547.23, "finance_charge": 5556.42, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260537A, VIN WMWXJ1C01R2U52826. $626 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,109, before any dealer documentation fee. Amount financed $31,991, including $1,882 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,547. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WMWXJ1C01R2U52826_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 545, "unit": "per_month", "display": "$545/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30109.0, "price_incl_doc": 30109.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 545.26, "amount_financed": 31990.81, "sales_tax": 1881.81, "total_of_payments": 39258.57, "finance_charge": 7267.76, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260537A, VIN WMWXJ1C01R2U52826. $545 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,109, before any dealer documentation fee. Amount financed $31,991, including $1,882 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,259. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 132}}, {"vin": "4S4GUHL64T3715122", "title": "2026 Subaru Crosstrek Limited", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 30913.0, "msrp": null, "sale_price": 30913.0, "currency": "USD", "mileage": 15000, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL135", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "trim": "Limited", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4GUHL64T3715122.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-e2d7de09ac18361d01ce1908c3ddcc65.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-e2d7de09ac18361d01ce1908c3ddcc65.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4GUHL64T3715122.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4GUHL64T3715122.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4GUHL64T3715122.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2026-Subaru-Crosstrek-e2d7de09ac18361d01ce1908c3ddcc65.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL135, VIN 4S4GUHL64T3715122. Advertised price: $30,913. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,913"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30913.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHL64T3715122_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 771, "unit": "per_month", "display": "$771/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30913.0, "price_incl_doc": 30913.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 771.22, "amount_financed": 32845.06, "sales_tax": 1932.06, "total_of_payments": 37018.4, "finance_charge": 4173.34, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL135, VIN 4S4GUHL64T3715122. $771 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,913, before any dealer documentation fee. Amount financed $32,845, including $1,932 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,018. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHL64T3715122_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 642, "unit": "per_month", "display": "$642/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30913.0, "price_incl_doc": 30913.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 642.5, "amount_financed": 32845.06, "sales_tax": 1932.06, "total_of_payments": 38549.85, "finance_charge": 5704.79, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL135, VIN 4S4GUHL64T3715122. $642 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,913, before any dealer documentation fee. Amount financed $32,845, including $1,932 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,550. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHL64T3715122_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 560, "unit": "per_month", "display": "$560/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30913.0, "price_incl_doc": 30913.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 559.82, "amount_financed": 32845.06, "sales_tax": 1932.06, "total_of_payments": 40306.89, "finance_charge": 7461.83, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL135, VIN 4S4GUHL64T3715122. $560 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,913, before any dealer documentation fee. Amount financed $32,845, including $1,932 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,307. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34303.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMAHD8P3460359_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 856, "unit": "per_month", "display": "$856/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34303.0, "price_incl_doc": 34303.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 855.79, "amount_financed": 36446.94, "sales_tax": 2143.94, "total_of_payments": 41077.94, "finance_charge": 4631.0, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260569A, VIN 4S4WMAHD8P3460359. $856 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,303, before any dealer documentation fee. Amount financed $36,447, including $2,144 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,078. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAHD8P3460359_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 713, "unit": "per_month", "display": "$713/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34303.0, "price_incl_doc": 34303.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 712.96, "amount_financed": 36446.94, "sales_tax": 2143.94, "total_of_payments": 42777.33, "finance_charge": 6330.39, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260569A, VIN 4S4WMAHD8P3460359. $713 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,303, before any dealer documentation fee. Amount financed $36,447, including $2,144 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,777. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAHD8P3460359_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 621, "unit": "per_month", "display": "$621/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34303.0, "price_incl_doc": 34303.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 621.21, "amount_financed": 36446.94, "sales_tax": 2143.94, "total_of_payments": 44727.06, "finance_charge": 8280.12, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260569A, VIN 4S4WMAHD8P3460359. $621 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,303, before any dealer documentation fee. Amount financed $36,447, including $2,144 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,727. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5N1AZ3BS3SC136646_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 873, "unit": "per_month", "display": "$873/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35010.0, "price_incl_doc": 35010.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 873.43, "amount_financed": 37198.13, "sales_tax": 2188.13, "total_of_payments": 41924.57, "finance_charge": 4726.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2516, VIN 5N1AZ3BS3SC136646. $873 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,010, before any dealer documentation fee. Amount financed $37,198, including $2,188 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,925. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5N1AZ3BS3SC136646_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 728, "unit": "per_month", "display": "$728/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35010.0, "price_incl_doc": 35010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 727.65, "amount_financed": 37198.13, "sales_tax": 2188.13, "total_of_payments": 43658.99, "finance_charge": 6460.86, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2516, VIN 5N1AZ3BS3SC136646. $728 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,010, before any dealer documentation fee. Amount financed $37,198, including $2,188 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,659. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5N1AZ3BS3SC136646_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35010.0, "price_incl_doc": 35010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 634.01, "amount_financed": 37198.13, "sales_tax": 2188.13, "total_of_payments": 45648.9, "finance_charge": 8450.77, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2516, VIN 5N1AZ3BS3SC136646. $634 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,010, before any dealer documentation fee. Amount financed $37,198, including $2,188 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,649. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 22, "elapsed_ms": 110}}, {"vin": "KNDPVDDG5T7280783", "title": "2026 Kia Sportage Hybrid X\\-Line", "year": 2026, "make": "Kia", "model": "Sportage Hybrid", "trim": "X\\-Line", "decoded_trim": "EX, X-Line", "condition": "used", "price": 33133.0, "msrp": null, "sale_price": 33133.0, "currency": "USD", "mileage": 1350, "exterior_color": "Snow White Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "1.6L i-4", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260062", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 28, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/9e5daec993d0480ab82878be44ff3aa8.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/9e5daec993d0480ab82878be44ff3aa8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66a7ebc85cc2421fbbaf2a43e4e91adc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ea4afaa06d74c30bdea286205125a99.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d510350c91145d59cf4aa5c4326fa39.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4e80bfae5bfe4f979ebb7a66420949aa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/60469437fd7b4ef396a0ce42d403f965.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/90e205570be54b91bb50a6645f98b334.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a1d5ffa5e8504a3890a1f3d017a54cc0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4b456f1be7ec4685a9b185b0600692ea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6743a5fcba4a4aa0aa3abe2ea067a84d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6ff6cc3945294ec0ba13785d3babf750.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/19f7bf075a0c4585b744f116b0cabef3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/200374154d274fcaafdf34e3eacf5cf2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2a124ba6354a4f259df8faa2f28fcf6d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e9797c3fe95c49ceb45dd030e68a634c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9350cb585cec49f6972854abbc04197b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/89eeebc0f1e341faae0a216c1b1d44e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fbb602a008d14bfa87e494cc118f113e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e495266116a44ac5bf19495bfd06c900.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6bec46adc01541baa095d04f69f281cd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5258aacc46d04129b9d2c8879d77b343.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/591557fccf764702b5d415a49be40bf0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48d79c3e7306423b9b2784df0c5e98ab.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b8bf3c9a6f6642acb3add39f96915ea7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/847ba1bbc3b54bc9a239fadf41af7311.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6cfa653374c24c329b559974c277f858.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/30b859aaf4fa492eb855a65a74b18efb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c9ab2a56f5cd4b4f8120711b12e3e4f9.jpg"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "EX, X-Line", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDPVDDG5T7280783.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-Hybrid-bda1bb75ac1855708c1e5eef92359dce.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-Hybrid-bda1bb75ac1855708c1e5eef92359dce.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDPVDDG5T7280783.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDPVDDG5T7280783.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDPVDDG5T7280783.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-Hybrid-bda1bb75ac1855708c1e5eef92359dce.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260062, VIN KNDPVDDG5T7280783. Advertised price: $33,133. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,133"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33133.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPVDDG5T7280783_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 827, "unit": "per_month", "display": "$827/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33133.0, "price_incl_doc": 33133.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 826.6, "amount_financed": 35203.81, "sales_tax": 2070.81, "total_of_payments": 39676.85, "finance_charge": 4473.04, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260062, VIN KNDPVDDG5T7280783. $827 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,133, before any dealer documentation fee. Amount financed $35,204, including $2,071 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,677. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPVDDG5T7280783_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 689, "unit": "per_month", "display": "$689/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33133.0, "price_incl_doc": 33133.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 688.64, "amount_financed": 35203.81, "sales_tax": 2070.81, "total_of_payments": 41318.28, "finance_charge": 6114.47, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260062, VIN KNDPVDDG5T7280783. $689 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,133, before any dealer documentation fee. Amount financed $35,204, including $2,071 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,318. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPVDDG5T7280783_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 600, "unit": "per_month", "display": "$600/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33133.0, "price_incl_doc": 33133.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 600.02, "amount_financed": 35203.81, "sales_tax": 2070.81, "total_of_payments": 43201.51, "finance_charge": 7997.7, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260062, VIN KNDPVDDG5T7280783. $600 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,133, before any dealer documentation fee. Amount financed $35,204, including $2,071 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $43,202. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Ram/2023-Ram-Promaster-2500-bda1992bac184b703a7f6e3f34ce7b18.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3C6LRVDG3PE605677.html", "json_url": "https://ai.castlekiamchenry.com/v/3C6LRVDG3PE605677.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3C6LRVDG3PE605677.md", "vdp_url": "https://www.castlekiamchenry.com/used/Ram/2023-Ram-Promaster-2500-bda1992bac184b703a7f6e3f34ce7b18.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3C6LRVDG3PE605677_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 708.77, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 34021.06, "finance_charge": 3835.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7877, VIN 3C6LRVDG3PE605677. $709 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,021. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3C6LRVDG3PE605677_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 590, "unit": "per_month", "display": "$590/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 590.48, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 35428.51, "finance_charge": 5242.88, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7877, VIN 3C6LRVDG3PE605677. $590 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,429. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 514.49, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 37043.28, "finance_charge": 6857.65, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7877, VIN 3C6LRVDG3PE605677. $514 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,043. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27410.0, "price_incl_doc": 27410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 683.82, "amount_financed": 29123.13, "sales_tax": 1713.13, "total_of_payments": 32823.55, "finance_charge": 3700.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260478A, VIN 1C6RR7YT7HS633011. $684 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,410, before any dealer documentation fee. Amount financed $29,123, including $1,713 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,824. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C6RR7YT7HS633011_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27410.0, "price_incl_doc": 27410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 569.69, "amount_financed": 29123.13, "sales_tax": 1713.13, "total_of_payments": 34181.46, "finance_charge": 5058.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260478A, VIN 1C6RR7YT7HS633011. $570 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,410, before any dealer documentation fee. Amount financed $29,123, including $1,713 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,181. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C6RR7YT7HS633011_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 496, "unit": "per_month", "display": "$496/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27410.0, "price_incl_doc": 27410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 496.38, "amount_financed": 29123.13, "sales_tax": 1713.13, "total_of_payments": 35739.4, "finance_charge": 6616.27, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260478A, VIN 1C6RR7YT7HS633011. $496 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,410, before any dealer documentation fee. Amount financed $29,123, including $1,713 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,739. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 111}}, {"vin": "JM3KFBCM8S0580609", "title": "2025 Mazda CX-5 2.5 S Carbon Edition", "year": 2025, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Carbon Edition", "decoded_trim": "Preferred", "condition": "used", "price": 29313.0, "msrp": null, "sale_price": 29313.0, "currency": "USD", "mileage": 7000, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSP5944", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2025, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Mazda/2025-Mazda-CX-5-69933e67ac18347aee8c697db288a210.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Mazda/2025-Mazda-CX-5-69933e67ac18347aee8c697db288a210.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/JM3KFBCM8S0580609.html", "json_url": "https://ai.castlekiamchenry.com/v/JM3KFBCM8S0580609.json", "markdown_url": "https://ai.castlekiamchenry.com/v/JM3KFBCM8S0580609.md", "vdp_url": "https://www.castlekiamchenry.com/used/Mazda/2025-Mazda-CX-5-69933e67ac18347aee8c697db288a210.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSP5944, VIN JM3KFBCM8S0580609. Advertised price: $29,313. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,313"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29313.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBCM8S0580609_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29313.0, "price_incl_doc": 29313.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.3, "amount_financed": 31145.06, "sales_tax": 1832.06, "total_of_payments": 35102.39, "finance_charge": 3957.33, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5944, VIN JM3KFBCM8S0580609. $731 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,313, before any dealer documentation fee. Amount financed $31,145, including $1,832 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,102. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBCM8S0580609_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29313.0, "price_incl_doc": 29313.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.24, "amount_financed": 31145.06, "sales_tax": 1832.06, "total_of_payments": 36554.58, "finance_charge": 5409.52, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5944, VIN JM3KFBCM8S0580609. $609 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,313, before any dealer documentation fee. Amount financed $31,145, including $1,832 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,555. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBCM8S0580609_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 531, "unit": "per_month", "display": "$531/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29313.0, "price_incl_doc": 29313.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 530.84, "amount_financed": 31145.06, "sales_tax": 1832.06, "total_of_payments": 38220.68, "finance_charge": 7075.62, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5944, VIN JM3KFBCM8S0580609. $531 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,313, before any dealer documentation fee. Amount financed $31,145, including $1,832 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $38,221. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38710.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22410.0, "price_incl_doc": 22410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 559.08, "amount_financed": 23810.63, "sales_tax": 1400.63, "total_of_payments": 26836.04, "finance_charge": 3025.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260195A, VIN JTHCE1BL7FA007167. $559 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,410, before any dealer documentation fee. Amount financed $23,811, including $1,401 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,836. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JTHCE1BL7FA007167_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 466, "unit": "per_month", "display": "$466/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22410.0, "price_incl_doc": 22410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 465.77, "amount_financed": 23810.63, "sales_tax": 1400.63, "total_of_payments": 27946.25, "finance_charge": 4135.62, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260195A, VIN JTHCE1BL7FA007167. $466 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,410, before any dealer documentation fee. Amount financed $23,811, including $1,401 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,946. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JTHCE1BL7FA007167_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 406, "unit": "per_month", "display": "$406/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22410.0, "price_incl_doc": 22410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 405.83, "amount_financed": 23810.63, "sales_tax": 1400.63, "total_of_payments": 29219.99, "finance_charge": 5409.36, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260195A, VIN JTHCE1BL7FA007167. $406 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,410, before any dealer documentation fee. Amount financed $23,811, including $1,401 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,220. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 22, "elapsed_ms": 100}}, {"vin": "KNDPU3DG3T7291150", "title": "2026 Kia Sportage Hybrid LX", "year": 2026, "make": "Kia", "model": "Sportage Hybrid", "trim": "LX", "decoded_trim": "LX, S", "condition": "used", "price": 28202.0, "msrp": null, "sale_price": 28202.0, "currency": "USD", "mileage": 1350, "exterior_color": "Steel Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "1.6L i-4", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260109", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 28, "primary_image": "https://content.homenetiol.com/2003378/2267140/0x0/4a6ece122f2844db8c33326347e23645.jpg", "images": ["https://content.homenetiol.com/2003378/2267140/0x0/4a6ece122f2844db8c33326347e23645.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/4a9a7dba495e44e687d461ea2337512e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/759d2b50eb2d4241aded36d66269e4bc.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/982afbad058b43e8b100304eba017ec8.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/82d745ddead7444d9e2f67dc51376a1c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e2e179e81fcc44eabe98cbc6af6a5de1.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/3470b8b9d7a94f18b1dab034dcc59d4c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/92d18181e0b64a528de4f51106d12282.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/3286bb6f0aeb45a6ab6353b3cfafdfd1.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/ab046024f2f14a539744f62b1f8d5fba.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/d090cdd3752f4082ae50da7ce7ad34d1.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/b6052fc12da842cbaed12500bea072d1.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/85a36a1e74544faa9358d9e7263513ea.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/74f2cd554d164f1d8f693b6fe9911814.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/00c9aed6ac7b4a388041e04cddc36a06.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/38cf532ada2849b2abaa02a635a439b3.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/85bda6d3015544559c63c13edd68fedb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/0f295b4348724bf4aeda45b529a73946.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/72c82720395d4f97a37ac0bc381ab531.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/c3c56b6665734125b157286652a3d4cb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/d6f621cf37b74ed59092ad54eafa6546.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/dc7b15cc6ab14ab0ac4a8ec4f5f568b8.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/4e25ea62f3654aff8fb919af5e881761.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/61604a87656f41d7b655f9b00cf37074.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/d62c99e1ed074764aa2a0fab2fd8a635.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/f905d638a8474c9cb94fb5538eca27bd.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/4271dc99194f4286abd816445b97ac76.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/8cca81e7f14242c4b1df64c9a811a2e9.jpg"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "LX, S", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDPU3DG3T7291150.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-Hybrid-bda140e1ac1817e23fdc224aa53e8b89.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-Hybrid-bda140e1ac1817e23fdc224aa53e8b89.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDPU3DG3T7291150.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDPU3DG3T7291150.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDPU3DG3T7291150.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-Hybrid-bda140e1ac1817e23fdc224aa53e8b89.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260109, VIN KNDPU3DG3T7291150. Advertised price: $28,202. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,202"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28202.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPU3DG3T7291150_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 704, "unit": "per_month", "display": "$704/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28202.0, "price_incl_doc": 28202.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 703.58, "amount_financed": 29964.63, "sales_tax": 1762.63, "total_of_payments": 33771.98, "finance_charge": 3807.35, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260109, VIN KNDPU3DG3T7291150. $704 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,202, before any dealer documentation fee. Amount financed $29,965, including $1,763 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,772. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPU3DG3T7291150_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 586, "unit": "per_month", "display": "$586/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28202.0, "price_incl_doc": 28202.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.15, "amount_financed": 29964.63, "sales_tax": 1762.63, "total_of_payments": 35169.12, "finance_charge": 5204.49, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260109, VIN KNDPU3DG3T7291150. $586 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,202, before any dealer documentation fee. Amount financed $29,965, including $1,763 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,169. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPU3DG3T7291150_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 511, "unit": "per_month", "display": "$511/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28202.0, "price_incl_doc": 28202.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 510.72, "amount_financed": 29964.63, "sales_tax": 1762.63, "total_of_payments": 36772.08, "finance_charge": 6807.45, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260109, VIN KNDPU3DG3T7291150. $511 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,202, before any dealer documentation fee. Amount financed $29,965, including $1,763 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,772. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_55SWF4KBXHU211281_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 472, "unit": "per_month", "display": "$472/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_55SWF4KBXHU211281_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 342, "unit": "per_month", "display": "$342/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBEY2K0542714_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 597, "unit": "per_month", "display": "$597/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBEY2K0542714_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 497, "unit": "per_month", "display": "$497/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23910.0, "price_incl_doc": 23910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 496.95, "amount_financed": 25404.38, "sales_tax": 1494.38, "total_of_payments": 29816.81, "finance_charge": 4412.43, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5934, VIN JM3KFBEY2K0542714. $497 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,910, before any dealer documentation fee. Amount financed $25,404, including $1,494 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,817. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBEY2K0542714_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 433, "unit": "per_month", "display": "$433/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23910.0, "price_incl_doc": 23910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 433.0, "amount_financed": 25404.38, "sales_tax": 1494.38, "total_of_payments": 31175.82, "finance_charge": 5771.44, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5934, VIN JM3KFBEY2K0542714. $433 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,910, before any dealer documentation fee. Amount financed $25,404, including $1,494 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,176. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYP3DGC5RG417070_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 898, "unit": "per_month", "display": "$898/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36010.0, "price_incl_doc": 36010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 652.12, "amount_financed": 38260.63, "sales_tax": 2250.63, "total_of_payments": 46952.79, "finance_charge": 8692.16, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2513, VIN 5XYP3DGC5RG417070. $652 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $36,010, before any dealer documentation fee. Amount financed $38,261, including $2,251 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $46,953. Offer expires 2026-07-31. Estimated for ZIP 60050. 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One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 108}}, {"vin": "SALEJ7EX4R2284275", "title": "2024 Land Rover Defender 110 S", "year": 2024, "make": "Land", "model": "Rover Defender 110", "trim": "S", "decoded_trim": "110 S", "condition": "used", "price": 50910.0, "msrp": null, "sale_price": 50910.0, "currency": "USD", "mileage": 15000, "exterior_color": "Fuji White", "interior_color": "Khaki", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L Other", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260413A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 28, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/1b0eb151f9d34b2f8bd7f68e09f8994c.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/1b0eb151f9d34b2f8bd7f68e09f8994c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8428e00e410f4755ab98347949d2ed33.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7a63335669014ad4a9873ebd53726f74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8986a70c85f64f378ab4b9c6a8d9991f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9c28e1e905e945549accc197ae426e46.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1f75dc6f775147a58bf7e74c14816a30.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1729e2364aa74d6ba1403ef24c5ba328.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/400f5253dc7e44288100b557132da379.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/315d320d63b64845a6104a478af281a9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8ce37a46e11d406390ccc0f574a0c67e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9d091a4425024de3b70e93f9f1c426da.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa0e5429291b4bd98b3c1c34d4fa7525.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/99f45f1700fc4d57a6717bcd9c31deca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aed848efbb5247dcb3ca3250105e88cf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6a45ef5d45ca4cc2a4296de11e6a79d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/02430a050cf347a88e4cffae6329531c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/72b39c7fe1d640478e84f15976058990.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dbc9d589f67d4884b739214828d3e19c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d6f0e6acb8354b44ac9954d82db4f700.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/048ffc283dcd4d5b8ab86347b62c128f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dc1461e14da343f08dc7c3ae8b38de6c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a3bf116e7dba4961a1589bce2874798d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/77011ffdb14246539e3825483bf424e6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bb2c8f2853654bc6a18b5767455e4061.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cab5c6e54adc47bd88def28c09ad61b2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8464331cf0644b178953f957973b1daf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5af553ef4ecc46a1b45a83c1df1f0492.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ceb7f44ccdc84447a8298831d623a12b.jpg"], "vin_decode": {"make": "Land Rover", "model": "Defender", "year": 2024, "trim": "110 S", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder In-Line", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Land-Rover/2024-Land-Rover-Defender-110-bda1ae0bac181e22457d1d200cd8bbc2.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Land-Rover/2024-Land-Rover-Defender-110-bda1ae0bac181e22457d1d200cd8bbc2.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/SALEJ7EX4R2284275.html", "json_url": "https://ai.castlekiamchenry.com/v/SALEJ7EX4R2284275.json", "markdown_url": "https://ai.castlekiamchenry.com/v/SALEJ7EX4R2284275.md", "vdp_url": "https://www.castlekiamchenry.com/used/Land-Rover/2024-Land-Rover-Defender-110-bda1ae0bac181e22457d1d200cd8bbc2.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$50,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_SALEJ7EX4R2284275_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1270, "unit": "per_month", "display": "$1,270/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50910.0, "price_incl_doc": 50910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1270.1, "amount_financed": 54091.88, "sales_tax": 3181.88, "total_of_payments": 60964.87, "finance_charge": 6872.99, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260413A, VIN SALEJ7EX4R2284275. $1,270 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $50,910, before any dealer documentation fee. Amount financed $54,092, including $3,182 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $60,965. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_SALEJ7EX4R2284275_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1058, "unit": "per_month", "display": "$1,058/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50910.0, "price_incl_doc": 50910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1058.12, "amount_financed": 54091.88, "sales_tax": 3181.88, "total_of_payments": 63486.98, "finance_charge": 9395.1, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260413A, VIN SALEJ7EX4R2284275. $1,058 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $50,910, before any dealer documentation fee. Amount financed $54,092, including $3,182 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $63,487. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_SALEJ7EX4R2284275_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 922, "unit": "per_month", "display": "$922/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50910.0, "price_incl_doc": 50910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 921.95, "amount_financed": 54091.88, "sales_tax": 3181.88, "total_of_payments": 66380.62, "finance_charge": 12288.74, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260413A, VIN SALEJ7EX4R2284275. $922 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $50,910, before any dealer documentation fee. Amount financed $54,092, including $3,182 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $66,381. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40703.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40703.0, "price_incl_doc": 40703.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1015.46, "amount_financed": 43246.94, "sales_tax": 2543.94, "total_of_payments": 48741.95, "finance_charge": 5495.01, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260378B, VIN SALE17EU5L2019572. $1,015 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $40,703, before any dealer documentation fee. Amount financed $43,247, including $2,544 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $48,742. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_SALE17EU5L2019572_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 846, "unit": "per_month", "display": "$846/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40703.0, "price_incl_doc": 40703.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 845.97, "amount_financed": 43246.94, "sales_tax": 2543.94, "total_of_payments": 50758.41, "finance_charge": 7511.47, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260378B, VIN SALE17EU5L2019572. $846 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $40,703, before any dealer documentation fee. Amount financed $43,247, including $2,544 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $50,758. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40703.0, "price_incl_doc": 40703.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 737.11, "amount_financed": 43246.94, "sales_tax": 2543.94, "total_of_payments": 53071.9, "finance_charge": 9824.96, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260378B, VIN SALE17EU5L2019572. $737 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $40,703, before any dealer documentation fee. Amount financed $43,247, including $2,544 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $53,072. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 26, "elapsed_ms": 119}}, {"vin": "5XYP3DGC8RG450175", "title": "2024 Kia Telluride EX X\\-Line", "year": 2024, "make": "Kia", "model": "Telluride", "trim": "EX X\\-Line", "decoded_trim": "EX, EX X-Line", "condition": "used", "price": 38910.0, "msrp": null, "sale_price": 38910.0, "currency": "USD", "mileage": 20000, "exterior_color": "Jungle Green", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "3.8L V-6", "engine_displacement_l": 3.8, "engine_cylinders": 6, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270088A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Telluride", "year": 2024, "trim": "EX, EX X-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.8L 6-Cylinder", "engine_displacement_l": 3.8, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYP3DGC8RG450175.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2024-Kia-Telluride-60fe1adeac1840e460b67eb22778b6bb.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2024-Kia-Telluride-60fe1adeac1840e460b67eb22778b6bb.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYP3DGC8RG450175.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYP3DGC8RG450175.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYP3DGC8RG450175.md", "vdp_url": "https://www.castlekiamchenry.com/used/Kia/2024-Kia-Telluride-60fe1adeac1840e460b67eb22778b6bb.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270088A, VIN 5XYP3DGC8RG450175. Advertised price: $38,910. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$38,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYP3DGC8RG450175_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 971, "unit": "per_month", "display": "$971/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38910.0, "price_incl_doc": 38910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 970.73, "amount_financed": 41341.88, "sales_tax": 2431.88, "total_of_payments": 46594.83, "finance_charge": 5252.95, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270088A, VIN 5XYP3DGC8RG450175. $971 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,910, before any dealer documentation fee. Amount financed $41,342, including $2,432 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $46,595. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38910.0, "price_incl_doc": 38910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.71, "amount_financed": 41341.88, "sales_tax": 2431.88, "total_of_payments": 48522.46, "finance_charge": 7180.58, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270088A, VIN 5XYP3DGC8RG450175. $809 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,910, before any dealer documentation fee. Amount financed $41,342, including $2,432 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $48,522. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYP3DGC8RG450175_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 705, "unit": "per_month", "display": "$705/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38910.0, "price_incl_doc": 38910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 704.64, "amount_financed": 41341.88, "sales_tax": 2431.88, "total_of_payments": 50734.04, "finance_charge": 9392.16, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270088A, VIN 5XYP3DGC8RG450175. $705 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $38,910, before any dealer documentation fee. Amount financed $41,342, including $2,432 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $50,734. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 109}}, {"vin": "KNDRH4JG0S5322792", "title": "2025 Kia Sorento Hybrid EX", "year": 2025, "make": "Kia", "model": "Sorento Hybrid", "trim": "EX", "decoded_trim": "EX (FWD),  EX (AWD)", "condition": "used", "price": 32210.0, "msrp": null, "sale_price": 32210.0, "currency": "USD", "mileage": 21503, "exterior_color": "Cityscape Green", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "1.6L i-4", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MKP2502", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 33, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/d32e2f12579c4b20ac471619f7c156a3.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/d32e2f12579c4b20ac471619f7c156a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/276949ed329847a698c6f1bc46b789fb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2281715fae245d09e386fa8792d43cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3e9094a2c44d47d7b8a6c83b96836ac8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c7d59b2cfacb4a26a4d72d2d0c3cac94.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/031c0e72cad6425baa00c9f018a79cd2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/159ffe70dcb240cba4b2ef8a88aec4da.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/065634a296e44f3082fa34d4a5ae80e9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fe125da56d6d4c739c19ce01bb4df272.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3af3e2c827224fdab07d6cec5798523f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8b8df55cd38b4fef98c9e64050016d51.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/39638ddcb3894cfe94f9269f4fa48ce0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dcd76898378143d9b6c0f62407d50a29.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/821b67bb250e4961976fe96879854b1b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f152f93397f54d548bf08d797d4d18eb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/199aa216015d4729ab5d64bf3e32e335.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b799a329b53b48a9ba537e679dcd659b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/17bd744a3a834f40a28921e405c942e6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e504b087030b45258aebea6e6fb75f40.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a6a33993e3da4aba87668a8cf329f376.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5402311888254676838877e13ff0470e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/747699a1b7374e78b5a053e2825ca3bd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b6a7947ed5104d69a91dea07910c2e63.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/081eb68eba4647a48818cf171174ecd6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a78a9dab683b412ead48147e1d0b90ec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/555828f1fb2246c2bf4273c341a56121.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ce99f772e95a4294b521035de43cc941.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e71e2766762e4731993fcc3b88ebb94f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/09ebe911b84447d0b182df683dfff046.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/176fde6ab9d545b6862d530f35f81bca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/86bfba8d7cb94072acde59c6a99f36bd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e7fd726050e44d8eb4672e94daefcc5c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cbd42b0a341647b5b4ba23b41a7f3875.jpg"], "vin_decode": {"make": "Kia", "model": "Sorento", "year": 2025, "trim": "EX (FWD),  EX (AWD)", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDRH4JG0S5322792.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2025-Kia-Sorento-Hybrid-bda113f1ac180a17026d32f397720aca.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,210"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDRH4JG0S5322792_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 804, "unit": "per_month", "display": "$804/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32210.0, "price_incl_doc": 32210.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 803.57, "amount_financed": 34223.13, "sales_tax": 2013.13, "total_of_payments": 38571.57, "finance_charge": 4348.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2502, VIN KNDRH4JG0S5322792. $804 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,210, before any dealer documentation fee. Amount financed $34,223, including $2,013 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,572. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDRH4JG0S5322792_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 669, "unit": "per_month", "display": "$669/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32210.0, "price_incl_doc": 32210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 669.45, "amount_financed": 34223.13, "sales_tax": 2013.13, "total_of_payments": 40167.27, "finance_charge": 5944.14, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2502, VIN KNDRH4JG0S5322792. $669 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,210, before any dealer documentation fee. Amount financed $34,223, including $2,013 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,167. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31810.0, "price_incl_doc": 31810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 661.14, "amount_financed": 33798.13, "sales_tax": 1988.13, "total_of_payments": 39668.46, "finance_charge": 5870.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270011A, VIN KNAE45LC2N6122213. $661 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,810, before any dealer documentation fee. Amount financed $33,798, including $1,988 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,668. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAE45LC2N6122213_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 576, "unit": "per_month", "display": "$576/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31810.0, "price_incl_doc": 31810.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 576.06, "amount_financed": 33798.13, "sales_tax": 1988.13, "total_of_payments": 41476.48, "finance_charge": 7678.35, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270011A, VIN KNAE45LC2N6122213. $576 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,810, before any dealer documentation fee. Amount financed $33,798, including $1,988 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,476. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23984.0, "price_incl_doc": 23984.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 434.34, "amount_financed": 25483.0, "sales_tax": 1499.0, "total_of_payments": 31272.3, "finance_charge": 5789.3, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260242A, VIN 5XYK7CAF9PG108310. $434 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,984, before any dealer documentation fee. Amount financed $25,483, including $1,499 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,272. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MKP2518, VIN 5XYP3DGC6PG408309. Advertised price: $35,110. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,110"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35110.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYP3DGC6PG408309_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 876, "unit": "per_month", "display": "$876/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35110.0, "price_incl_doc": 35110.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 875.92, "amount_financed": 37304.38, "sales_tax": 2194.38, "total_of_payments": 42044.32, "finance_charge": 4739.94, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2518, VIN 5XYP3DGC6PG408309. $876 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,110, before any dealer documentation fee. Amount financed $37,304, including $2,194 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $42,044. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYP3DGC6PG408309_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 730, "unit": "per_month", "display": "$730/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35110.0, "price_incl_doc": 35110.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 729.73, "amount_financed": 37304.38, "sales_tax": 2194.38, "total_of_payments": 43783.7, "finance_charge": 6479.32, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2518, VIN 5XYP3DGC6PG408309. $730 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,110, before any dealer documentation fee. Amount financed $37,304, including $2,194 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,784. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYP3DGC6PG408309_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 636, "unit": "per_month", "display": "$636/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35110.0, "price_incl_doc": 35110.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 635.82, "amount_financed": 37304.38, "sales_tax": 2194.38, "total_of_payments": 45779.29, "finance_charge": 8474.91, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2518, VIN 5XYP3DGC6PG408309. $636 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,110, before any dealer documentation fee. Amount financed $37,304, including $2,194 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,779. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2025-Kia-Telluride-c3f1bc1bac180a40019721e4c50b3124.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYP3DGC5SG596460.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYP3DGC5SG596460.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYP3DGC5SG596460.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2025-Kia-Telluride-c3f1bc1bac180a40019721e4c50b3124.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYP3DGC5SG596460_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 983, "unit": "per_month", "display": "$983/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39410.0, "price_incl_doc": 39410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 983.2, "amount_financed": 41873.13, "sales_tax": 2463.13, "total_of_payments": 47193.59, "finance_charge": 5320.46, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260619A, VIN 5XYP3DGC5SG596460. $983 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,410, before any dealer documentation fee. Amount financed $41,873, including $2,463 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $47,194. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYP3DGC5SG596460_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 819, "unit": "per_month", "display": "$819/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39410.0, "price_incl_doc": 39410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 819.1, "amount_financed": 41873.13, "sales_tax": 2463.13, "total_of_payments": 49145.98, "finance_charge": 7272.85, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260619A, VIN 5XYP3DGC5SG596460. $819 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,410, before any dealer documentation fee. Amount financed $41,873, including $2,463 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $49,146. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYP3DGC5SG596460_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 714, "unit": "per_month", "display": "$714/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39410.0, "price_incl_doc": 39410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 713.69, "amount_financed": 41873.13, "sales_tax": 2463.13, "total_of_payments": 51385.98, "finance_charge": 9512.85, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260619A, VIN 5XYP3DGC5SG596460. $714 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,410, before any dealer documentation fee. Amount financed $41,873, including $2,463 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $51,386. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 124}}, {"vin": "5XYK3CDF3TG425419", "title": "2026 Kia Sportage EX", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 31818.0, "msrp": null, "sale_price": 31818.0, "currency": "USD", "mileage": 1350, "exterior_color": "Panthera Metal Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260451", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 28, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/e7c00d76eb274d65add07f4a9926ddc0.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/e7c00d76eb274d65add07f4a9926ddc0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7140d1a3d5574b0ab5f510c2474c25bb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/62b421c1b9c04cafba853645492f6f93.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ce73d04a37d24f0799650855073cefcb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e8146f6a004a4401a223f984ea3e528e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd1f0c548d824e38ad33c437fd23185b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/854b8723cf8e4288864d202c99e1e2df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5b25d53a15fa438fa96393fb8215fb00.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d9a120ad237b40669b3c11eed01948bd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a590e4c40dbb4437bb122e67cf465c0e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a1700ed0d0664786b259528a76166b7d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1422c1f430574e24bfde28719b3a89d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/74c740cd747246dc987759dfec85ebdc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fc0e0bd731e541e0b8fc27e4ae6a0024.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/569af73803e54c72a3b9debb07f28354.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a37a6ae9d6f742f5b696aa8dbad96585.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a6e21cd675904f0280ad2c4f253889c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/74c9151de98e4364b39839b42cd3970b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66f3ca7deaa04f31a4772a601b0cb576.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/36eab40e9ace468e96deeb31b967652b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c3dec90e6cc4c3ca022e0b2d547bcd3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/69e25cdc339e4e97a45431fd3cfaa5d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9c0f187b8d724b6ba603e27ea04a59cf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/22ac707e18a44e3fb992cc778a4f35f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fba503ee7b3d49a69f27c6418f0fbe61.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/79e3736a7ebd4424aba95260c8e4d617.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa1924cff9e344ba80489a3b0bab1fcb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8f47f644f8a34307ab207bd607b70e03.jpg"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "EX", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYK3CDF3TG425419.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2026-Kia-Sportage-be2f5250ac181734323613c632866294.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2026-Kia-Sportage-be2f5250ac181734323613c632866294.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK3CDF3TG425419.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK3CDF3TG425419.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK3CDF3TG425419.md", "vdp_url": "https://www.castlekiamchenry.com/used/Kia/2026-Kia-Sportage-be2f5250ac181734323613c632866294.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,818"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31818.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK3CDF3TG425419_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 794, "unit": "per_month", "display": "$794/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31818.0, "price_incl_doc": 31818.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 793.79, "amount_financed": 33806.63, "sales_tax": 1988.63, "total_of_payments": 38102.15, "finance_charge": 4295.52, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260451, VIN 5XYK3CDF3TG425419. $794 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,818, before any dealer documentation fee. Amount financed $33,807, including $1,989 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,102. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF3TG425419_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 661, "unit": "per_month", "display": "$661/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31818.0, "price_incl_doc": 31818.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 661.31, "amount_financed": 33806.63, "sales_tax": 1988.63, "total_of_payments": 39678.43, "finance_charge": 5871.8, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260451, VIN 5XYK3CDF3TG425419. $661 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,818, before any dealer documentation fee. Amount financed $33,807, including $1,989 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,678. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF3TG425419_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 576, "unit": "per_month", "display": "$576/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31818.0, "price_incl_doc": 31818.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 576.21, "amount_financed": 33806.63, "sales_tax": 1988.63, "total_of_payments": 41486.91, "finance_charge": 7680.28, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260451, VIN 5XYK3CDF3TG425419. $576 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,818, before any dealer documentation fee. Amount financed $33,807, including $1,989 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,487. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 22, "elapsed_ms": 123}}, {"vin": "5XYK3CDF3TG418356", "title": "2026 Kia Sportage EX", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 31507.0, "msrp": null, "sale_price": 31507.0, "currency": "USD", "mileage": 1350, "exterior_color": "Wolf Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260390", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 28, "primary_image": "https://content.homenetiol.com/2003378/2267140/0x0/970f06bbd6074e5ea4453cfd8f9043c0.jpg", "images": ["https://content.homenetiol.com/2003378/2267140/0x0/970f06bbd6074e5ea4453cfd8f9043c0.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/80e269a650a54e3e86a052c8d14b008a.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/9161c5d1e3d648b8abb18b7fbd392e56.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/135ed964b8154f7d821268160b123412.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e65ec3415d094501923c4395e6c93508.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/8493256b012f423fabe5c03995ef5ec2.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/1b2293eb699240f4bf4c93ad2442e91f.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/61c3f3e384ad4b838c059eaf3e4a40a9.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/a30e2e372c4948b19f9e73af0526ced5.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/5c58306c1bf04253841d2c8ad5b1929c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/4c89701c22d44357ac39eb7d58913adb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/07528ba241204ec48b2228f4ccbb017c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/05d7934a712148f181792df819fd2604.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/52d1117691e34b25ae718ce4ba024f61.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/80221448606c4293aedb4e99b93d1a53.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/c83484cb26e048f58c642b7e6c5b6461.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/be8fbc5df3684518a13f741fe68bed4c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/0be7a415fc13482885e10259f2a0d2ee.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/862bbfef960648e485f6029ab7ff1f4c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/2fa587cc76684d17b89a08a1f2a83318.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e7081a3ffe8a4cffbb15d537d648d5f5.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/6dd0ca8db07e404bb91925727fa339f1.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/56f3b8c5edce4dd39dd22c3df1c07186.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/34765386a5364dee829ee7d6119966f9.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/0cedfc94d1d547ab875a5f270570e725.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e32fcc21c1ee46cbb83a3e9b30f0f7fa.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/ca8ba6c107d8457ab2c8c4de2add4fbb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/6529057397254073b4f711c1f1b277a2.jpg"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "EX", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYK3CDF3TG418356.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2026-Kia-Sportage-be2d262aac1840287e9654755fbbbcc6.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2026-Kia-Sportage-be2d262aac1840287e9654755fbbbcc6.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK3CDF3TG418356.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK3CDF3TG418356.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK3CDF3TG418356.md", "vdp_url": "https://www.castlekiamchenry.com/used/Kia/2026-Kia-Sportage-be2d262aac1840287e9654755fbbbcc6.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31507.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK3CDF3TG418356_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 786, "unit": "per_month", "display": "$786/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31507.0, "price_incl_doc": 31507.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 786.04, "amount_financed": 33476.19, "sales_tax": 1969.19, "total_of_payments": 37729.72, "finance_charge": 4253.53, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260390, VIN 5XYK3CDF3TG418356. $786 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,507, before any dealer documentation fee. Amount financed $33,476, including $1,969 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,730. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF3TG418356_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 655, "unit": "per_month", "display": "$655/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31507.0, "price_incl_doc": 31507.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 654.84, "amount_financed": 33476.19, "sales_tax": 1969.19, "total_of_payments": 39290.6, "finance_charge": 5814.41, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260390, VIN 5XYK3CDF3TG418356. $655 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,507, before any dealer documentation fee. Amount financed $33,476, including $1,969 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,291. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF3TG418356_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 571, "unit": "per_month", "display": "$571/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31507.0, "price_incl_doc": 31507.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 570.58, "amount_financed": 33476.19, "sales_tax": 1969.19, "total_of_payments": 41081.4, "finance_charge": 7605.21, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260390, VIN 5XYK3CDF3TG418356. $571 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,507, before any dealer documentation fee. Amount financed $33,476, including $1,969 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,081. Offer expires 2026-07-31. Estimated for ZIP 60050. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2026-Kia-Sportage-bda1d61dac182b914f3291867f16da87.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK6CDF9TG381918.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF9TG381918.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF9TG381918.md", "vdp_url": "https://www.castlekiamchenry.com/used/Kia/2026-Kia-Sportage-bda1d61dac182b914f3291867f16da87.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,843"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30843.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF9TG381918_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 769, "unit": "per_month", "display": "$769/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30843.0, "price_incl_doc": 30843.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 769.47, "amount_financed": 32770.69, "sales_tax": 1927.69, "total_of_payments": 36934.58, "finance_charge": 4163.89, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260154, VIN 5XYK6CDF9TG381918. $769 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,843, before any dealer documentation fee. Amount financed $32,771, including $1,928 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,935. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF9TG381918_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 641, "unit": "per_month", "display": "$641/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30843.0, "price_incl_doc": 30843.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 641.04, "amount_financed": 32770.69, "sales_tax": 1927.69, "total_of_payments": 38462.56, "finance_charge": 5691.87, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260154, VIN 5XYK6CDF9TG381918. $641 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,843, before any dealer documentation fee. Amount financed $32,771, including $1,928 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,463. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF9TG381918_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 559, "unit": "per_month", "display": "$559/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30843.0, "price_incl_doc": 30843.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 558.55, "amount_financed": 32770.69, "sales_tax": 1927.69, "total_of_payments": 40215.63, "finance_charge": 7444.94, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260154, VIN 5XYK6CDF9TG381918. $559 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,843, before any dealer documentation fee. Amount financed $32,771, including $1,928 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,216. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 166}}, {"vin": "5XYK5CDF0SG295592", "title": "2025 Kia Sportage SX\\-Prestige", "year": 2025, "make": "Kia", "model": "Sportage", "trim": "SX\\-Prestige", "decoded_trim": "SX-PRESTIGE (SX-P)", "condition": "used", "price": 32410.0, "msrp": null, "sale_price": 32410.0, "currency": "USD", "mileage": 1350, "exterior_color": "Wolf Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260406B", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2025, "trim": "SX-PRESTIGE (SX-P)", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYK5CDF0SG295592.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2025-Kia-Sportage-82a1a91cac185005b9496b4180bf7139.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2025-Kia-Sportage-82a1a91cac185005b9496b4180bf7139.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK5CDF0SG295592.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK5CDF0SG295592.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK5CDF0SG295592.md", "vdp_url": "https://www.castlekiamchenry.com/used/Kia/2025-Kia-Sportage-82a1a91cac185005b9496b4180bf7139.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260406B, VIN 5XYK5CDF0SG295592. Advertised price: $32,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK5CDF0SG295592_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 809, "unit": "per_month", "display": "$809/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.56, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 38811.07, "finance_charge": 4375.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260406B, VIN 5XYK5CDF0SG295592. $809 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,811. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK5CDF0SG295592_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 674, "unit": "per_month", "display": "$674/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 673.61, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 40416.68, "finance_charge": 5981.05, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260406B, VIN 5XYK5CDF0SG295592. $674 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,417. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK5CDF0SG295592_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 587, "unit": "per_month", "display": "$587/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.93, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 42258.81, "finance_charge": 7823.18, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260406B, VIN 5XYK5CDF0SG295592. $587 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,259. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32203.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRKDLF7PG191963_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 803, "unit": "per_month", "display": "$803/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32203.0, "price_incl_doc": 32203.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 803.4, "amount_financed": 34215.69, "sales_tax": 2012.69, "total_of_payments": 38563.18, "finance_charge": 4347.49, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260054A, VIN 5XYRKDLF7PG191963. $803 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,203, before any dealer documentation fee. Amount financed $34,216, including $2,013 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,563. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRKDLF7PG191963_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 669, "unit": "per_month", "display": "$669/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32203.0, "price_incl_doc": 32203.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 669.31, "amount_financed": 34215.69, "sales_tax": 2012.69, "total_of_payments": 40158.54, "finance_charge": 5942.85, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260054A, VIN 5XYRKDLF7PG191963. $669 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,203, before any dealer documentation fee. Amount financed $34,216, including $2,013 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,159. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRKDLF7PG191963_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 583, "unit": "per_month", "display": "$583/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32203.0, "price_incl_doc": 32203.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.18, "amount_financed": 34215.69, "sales_tax": 2012.69, "total_of_payments": 41988.9, "finance_charge": 7773.21, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260054A, VIN 5XYRKDLF7PG191963. $583 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,203, before any dealer documentation fee. Amount financed $34,216, including $2,013 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,989. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20410.0, "price_incl_doc": 20410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 509.19, "amount_financed": 21685.63, "sales_tax": 1275.63, "total_of_payments": 24441.04, "finance_charge": 2755.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260527A, VIN 5XYK43AF7PG029839. $509 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $20,410, before any dealer documentation fee. Amount financed $21,686, including $1,276 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $24,441. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK43AF7PG029839_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 424, "unit": "per_month", "display": "$424/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20410.0, "price_incl_doc": 20410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 424.2, "amount_financed": 21685.63, "sales_tax": 1275.63, "total_of_payments": 25452.16, "finance_charge": 3766.53, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260527A, VIN 5XYK43AF7PG029839. $424 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $20,410, before any dealer documentation fee. Amount financed $21,686, including $1,276 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $25,452. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK43AF7PG029839_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 370, "unit": "per_month", "display": "$370/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20410.0, "price_incl_doc": 20410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 369.61, "amount_financed": 21685.63, "sales_tax": 1275.63, "total_of_payments": 26612.23, "finance_charge": 4926.6, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260527A, VIN 5XYK43AF7PG029839. $370 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $20,410, before any dealer documentation fee. Amount financed $21,686, including $1,276 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $26,612. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 189}}, {"vin": "5XYK6CDF5TG389224", "title": "2026 Kia Sportage X\\-Line", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "X\\-Line", "decoded_trim": "X-LINE", "condition": "used", "price": 31355.0, "msrp": null, "sale_price": 31355.0, "currency": "USD", "mileage": 1350, "exterior_color": "Panthera Metal Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260172", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 27, "primary_image": "https://content.homenetiol.com/2003378/2267140/0x0/c0b44edae34f4ac5818acc5cde6ad7fc.jpg", "images": ["https://content.homenetiol.com/2003378/2267140/0x0/c0b44edae34f4ac5818acc5cde6ad7fc.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/3b5f65ec9cbf481584c635c4dd425f40.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/52c2bd89983943dbbc896c7fb43a90eb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/5031d06c7a6d431bba0153486e8cdbcb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/97e91a43bbf247ac9062ac56f6e157d6.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e3c537853c024ae287e045b2031b11d4.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/56964c66cb1d4cfb8a44b7ca69292714.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/02323957933940df9f4929a548849b0c.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/2385d35116884e37b7dec68ad5bfc926.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/af880f71bca94fbfa1cb5951664d7f3a.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/bf9e0b9f3a7e4a23a1db39eb5967dc31.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/0198953cbfcb4211b7de51767f432f68.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/848f9ccd8e7a463e9bf9cd854361337e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/1f77f45d65f4455e9ac7718963243624.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/2e51c5f9185f48d9b4c8e98f74ef49fb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/b5ed08c0d0fc4f2fb5e9526803ed2118.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e80f9d99205c4710b268486f6922fc41.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/6da0d85a53664f0e978b3270b7db07c9.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/a670cf62b9724b8d87407dc8c09a6bbc.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/d18e867d95624508801f65ecfd573a82.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e7e66627cdc145deac2b2a845d7bffac.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/417d294e34044e879b8b52aeaa561bb2.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e8b8cc427b864311b68949e3e6d3855e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/3b11fe38804747cbbf798b00c1b2e5f2.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/8fed2749a77747ecb3785b8f7d573530.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e5a291a23371409282be4dcdd75edc78.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/f3cd066898d94a84bd0e47cf327b8994.jpg"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "X-LINE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYK6CDF5TG389224.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-bda13cf0ac181734323613c6bc9bb3d1.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-bda13cf0ac181734323613c6bc9bb3d1.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK6CDF5TG389224.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF5TG389224.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF5TG389224.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-bda13cf0ac181734323613c6bc9bb3d1.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260172, VIN 5XYK6CDF5TG389224. Advertised price: $31,355. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,355"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31355.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF5TG389224_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31355.0, "price_incl_doc": 31355.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 782.24, "amount_financed": 33314.69, "sales_tax": 1959.69, "total_of_payments": 37547.7, "finance_charge": 4233.01, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260172, VIN 5XYK6CDF5TG389224. $782 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,355, before any dealer documentation fee. Amount financed $33,315, including $1,960 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,548. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF5TG389224_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 652, "unit": "per_month", "display": "$652/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31355.0, "price_incl_doc": 31355.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 651.68, "amount_financed": 33314.69, "sales_tax": 1959.69, "total_of_payments": 39101.05, "finance_charge": 5786.36, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260172, VIN 5XYK6CDF5TG389224. $652 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,355, before any dealer documentation fee. Amount financed $33,315, including $1,960 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,101. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31355.0, "price_incl_doc": 31355.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 567.82, "amount_financed": 33314.69, "sales_tax": 1959.69, "total_of_payments": 40883.21, "finance_charge": 7568.52, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260172, VIN 5XYK6CDF5TG389224. $568 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,355, before any dealer documentation fee. Amount financed $33,315, including $1,960 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,883. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2023-Kia-Soul-3ba7df0fac1827da357610e2fc9b49f0.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDJ53AU6P7200455.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDJ53AU6P7200455.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDJ53AU6P7200455.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2023-Kia-Soul-3ba7df0fac1827da357610e2fc9b49f0.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$21,010"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDJ53AU6P7200455_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21010.0, "price_incl_doc": 21010.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 524.16, "amount_financed": 22323.13, "sales_tax": 1313.13, "total_of_payments": 25159.54, "finance_charge": 2836.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270091A, VIN KNDJ53AU6P7200455. $524 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,010, before any dealer documentation fee. Amount financed $22,323, including $1,313 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,160. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDJ53AU6P7200455_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 437, "unit": "per_month", "display": "$437/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21010.0, "price_incl_doc": 21010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 436.67, "amount_financed": 22323.13, "sales_tax": 1313.13, "total_of_payments": 26200.39, "finance_charge": 3877.26, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270091A, VIN KNDJ53AU6P7200455. $437 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,010, before any dealer documentation fee. Amount financed $22,323, including $1,313 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,200. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDJ53AU6P7200455_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 380, "unit": "per_month", "display": "$380/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21010.0, "price_incl_doc": 21010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 380.48, "amount_financed": 22323.13, "sales_tax": 1313.13, "total_of_payments": 27394.56, "finance_charge": 5071.43, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270091A, VIN KNDJ53AU6P7200455. $380 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,010, before any dealer documentation fee. Amount financed $22,323, including $1,313 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $27,395. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEUCAA5R7508925_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 410, "unit": "per_month", "display": "$410/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19710.0, "price_incl_doc": 19710.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 409.65, "amount_financed": 20941.88, "sales_tax": 1231.88, "total_of_payments": 24579.23, "finance_charge": 3637.35, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270014A, VIN KNDEUCAA5R7508925. $410 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $19,710, before any dealer documentation fee. Amount financed $20,942, including $1,232 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $24,579. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEUCAA5R7508925_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 357, "unit": "per_month", "display": "$357/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19710.0, "price_incl_doc": 19710.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 356.94, "amount_financed": 20941.88, "sales_tax": 1231.88, "total_of_payments": 25699.51, "finance_charge": 4757.63, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270014A, VIN KNDEUCAA5R7508925. $357 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $19,710, before any dealer documentation fee. Amount financed $20,942, including $1,232 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $25,700. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 148}}, {"vin": "3KPFT4DE4SE209167", "title": "2025 Kia K4 LXS", "year": 2025, "make": "Kia", "model": "K4", "trim": "LXS", "decoded_trim": "LX, LXS", "condition": "used", "price": 21428.0, "msrp": null, "sale_price": 21428.0, "currency": "USD", "mileage": 17000, "exterior_color": "Aurora Black Pearl", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": null, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK251053", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 28, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/9b31a76a39ed43208566ca544f9e0a16.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/9b31a76a39ed43208566ca544f9e0a16.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a4cc12718afb4e4cb9906d7ea99bac74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9408c647146143a28b3d7976afca94f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ec1c83840177468a9544a019c1363503.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/36a94401be23463cac4549529d1a2f43.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff84545b54954dc99d679e8544182cf6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b68deae6452d4b818a93f611160ea2a1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/181ac247d16247118e6e3c2bdfc2515a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0932c32f942e4caea67f9662138611d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7e57b65c13fd4e9d932cb9db0dda4c66.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ae359f00d4d54d20a2f07a57c5da2a04.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/633f18aae8664a549edfe31cd9f5e47f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5fb0aca0e3af40849b27649f32c2d8ef.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6db38a3bcbe7401f9971d77676b33042.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/84a69b55c947494a8b14a9a956561089.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d6ef8071c15d40fbba77836083035b6b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/95e3177a475c46ffa856fc05b7d4798c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/062231877ae54ec587ec14306430755e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4efeceece76f4f54a9a41167c8956a1c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3882e178c92c45deb9432484bf0fed70.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/198b62c446ad4662b4c12848c887b86d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3fa684c31ebc44f48fcc628f090e00ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/340d4d33885a47f5a118886169de21ec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/23d01fbcbaa4423195fcba47bc830cb9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cb54bc84f06746ed830dc6aafcc21b40.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4171118afac48a6abdb6ae7455ef94a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/010fe0ed457a43259f5a5496a2b795f7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e6d13d63227d49d2966649ac3de92d54.jpg"], "vin_decode": {"make": "Kia", "model": "K4", "year": 2025, "trim": "LX, LXS", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": null, "engine_displacement_l": null, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFT4DE4SE209167.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2025-Kia-K4-bda1c367ac181b0c5f24b7f1d26c0acf.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2025-Kia-K4-bda1c367ac181b0c5f24b7f1d26c0acf.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE4SE209167.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE4SE209167.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE4SE209167.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2025-Kia-K4-bda1c367ac181b0c5f24b7f1d26c0acf.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK251053, VIN 3KPFT4DE4SE209167. Advertised price: $21,428. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$21,428"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:01Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21428.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE4SE209167_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 535, "unit": "per_month", "display": "$535/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21428.0, "price_incl_doc": 21428.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 534.59, "amount_financed": 22767.25, "sales_tax": 1339.25, "total_of_payments": 25660.09, "finance_charge": 2892.84, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK251053, VIN 3KPFT4DE4SE209167. $535 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,428, before any dealer documentation fee. Amount financed $22,767, including $1,339 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,660. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE4SE209167_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 445, "unit": "per_month", "display": "$445/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21428.0, "price_incl_doc": 21428.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 445.36, "amount_financed": 22767.25, "sales_tax": 1339.25, "total_of_payments": 26721.65, "finance_charge": 3954.4, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK251053, VIN 3KPFT4DE4SE209167. $445 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,428, before any dealer documentation fee. Amount financed $22,767, including $1,339 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,722. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE4SE209167_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 388, "unit": "per_month", "display": "$388/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21428.0, "price_incl_doc": 21428.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 388.05, "amount_financed": 22767.25, "sales_tax": 1339.25, "total_of_payments": 27939.58, "finance_charge": 5172.33, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK251053, VIN 3KPFT4DE4SE209167. $388 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,428, before any dealer documentation fee. Amount financed $22,767, including $1,339 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $27,940. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sorento-be2e3805ac184b703a7f6e3fe4fdf278.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYRG4JC7TG455414.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYRG4JC7TG455414.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYRG4JC7TG455414.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sorento-be2e3805ac184b703a7f6e3fe4fdf278.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30000.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRG4JC7TG455414_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 624, "unit": "per_month", "display": "$624/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32523.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRL4JC0TG436652_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 811, "unit": "per_month", "display": "$811/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32523.0, "price_incl_doc": 32523.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 811.38, "amount_financed": 34555.69, "sales_tax": 2032.69, "total_of_payments": 38946.38, "finance_charge": 4390.69, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260193, VIN 5XYRL4JC0TG436652. $811 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,523, before any dealer documentation fee. Amount financed $34,556, including $2,033 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,946. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRL4JC0TG436652_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 676, "unit": "per_month", "display": "$676/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32523.0, "price_incl_doc": 32523.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 675.96, "amount_financed": 34555.69, "sales_tax": 2032.69, "total_of_payments": 40557.59, "finance_charge": 6001.9, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260193, VIN 5XYRL4JC0TG436652. $676 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,523, before any dealer documentation fee. Amount financed $34,556, including $2,033 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,558. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRL4JC0TG436652_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32523.0, "price_incl_doc": 32523.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.97, "amount_financed": 34555.69, "sales_tax": 2032.69, "total_of_payments": 42406.15, "finance_charge": 7850.46, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260193, VIN 5XYRL4JC0TG436652. $589 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,523, before any dealer documentation fee. Amount financed $34,556, including $2,033 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,406. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 107}}, {"vin": "5XYPG4A39HG256198", "title": "2017 Kia Sorento LX", "year": 2017, "make": "Kia", "model": "Sorento", "trim": "LX", "decoded_trim": "L, LX", "condition": "used", "price": 15010.0, "msrp": null, "sale_price": 15010.0, "currency": "USD", "mileage": 67000, "exterior_color": "Platinum Graphite", "interior_color": "Satin Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.4L Other", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "6-Speed Automatic with Sportmatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260001A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 12, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/5424e2aeb3a04dde966f615461fe5522.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/5424e2aeb3a04dde966f615461fe5522.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d288b9d8869b4af585bb16f928d2d419.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/db6c8679a64b42f78aabfe3f87afe6a9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e8cbe2f30ba74394b26b94710d8573a1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/09da189d88d94545893fa09eae3fecfa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ece8d131eddf4ca38c26469af0b87df7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/469277f44f5246a69f7709d080dbd531.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4368fd3e11d04aad981a222da95fc94e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a0f5088a0f4940a380821577e702894b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/59e2789fe5224640b8bfb0460c0da79f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/571a77a60dc341369e3f3ad577007be3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d857e1f460b348509007f787761c0c4b.jpg"], "vin_decode": {"make": "Kia", "model": "Sorento", "year": 2017, "trim": "L, LX", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.4L 4-Cylinder", "engine_displacement_l": 2.4, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYPG4A39HG256198.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2017-Kia-Sorento-40ce36f3ac1814b5a599b79d5050d2d4.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2017-Kia-Sorento-40ce36f3ac1814b5a599b79d5050d2d4.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYPG4A39HG256198.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYPG4A39HG256198.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYPG4A39HG256198.md", "vdp_url": "https://www.castlekiamchenry.com/used/Kia/2017-Kia-Sorento-40ce36f3ac1814b5a599b79d5050d2d4.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260001A, VIN 5XYPG4A39HG256198. Advertised price: $15,010. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$15,010"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 15010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPG4A39HG256198_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 374, "unit": "per_month", "display": "$374/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15010.0, "price_incl_doc": 15010.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 374.47, "amount_financed": 15948.13, "sales_tax": 938.13, "total_of_payments": 17974.52, "finance_charge": 2026.39, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260001A, VIN 5XYPG4A39HG256198. $374 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $15,010, before any dealer documentation fee. Amount financed $15,948, including $938 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $17,975. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPG4A39HG256198_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 312, "unit": "per_month", "display": "$312/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15010.0, "price_incl_doc": 15010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 311.97, "amount_financed": 15948.13, "sales_tax": 938.13, "total_of_payments": 18718.13, "finance_charge": 2770.0, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260001A, VIN 5XYPG4A39HG256198. $312 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $15,010, before any dealer documentation fee. Amount financed $15,948, including $938 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $18,718. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPG4A39HG256198_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 272, "unit": "per_month", "display": "$272/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15010.0, "price_incl_doc": 15010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 271.82, "amount_financed": 15948.13, "sales_tax": 938.13, "total_of_payments": 19571.27, "finance_charge": 3623.14, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260001A, VIN 5XYPG4A39HG256198. $272 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $15,010, before any dealer documentation fee. Amount financed $15,948, including $938 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $19,571. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2025-Kia-Sorento-bda2a44bac1840287e965475892d2305.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYRL4JC5SG380934.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYRL4JC5SG380934.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYRL4JC5SG380934.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2025-Kia-Sorento-bda2a44bac1840287e965475892d2305.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30940.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRG4JC4TG414979_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 733, "unit": "per_month", "display": "$733/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29365.0, "price_incl_doc": 29365.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 732.6, "amount_financed": 31200.31, "sales_tax": 1835.31, "total_of_payments": 35164.66, "finance_charge": 3964.35, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260101, VIN 5XYRG4JC4TG414979. $733 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,365, before any dealer documentation fee. Amount financed $31,200, including $1,835 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,165. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRG4JC4TG414979_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 610, "unit": "per_month", "display": "$610/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29365.0, "price_incl_doc": 29365.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 610.32, "amount_financed": 31200.31, "sales_tax": 1835.31, "total_of_payments": 36619.43, "finance_charge": 5419.12, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260101, VIN 5XYRG4JC4TG414979. $610 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,365, before any dealer documentation fee. Amount financed $31,200, including $1,835 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,619. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRG4JC4TG414979_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29365.0, "price_incl_doc": 29365.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 531.78, "amount_financed": 31200.31, "sales_tax": 1835.31, "total_of_payments": 38288.48, "finance_charge": 7088.17, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260101, VIN 5XYRG4JC4TG414979. $532 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,365, before any dealer documentation fee. Amount financed $31,200, including $1,835 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $38,288. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 154}}, {"vin": "5XYRG4JC7TG456417", "title": "2026 Kia Sorento LX", "year": 2026, "make": "Kia", "model": "Sorento", "trim": "LX", "decoded_trim": "LX", "condition": "used", "price": 30000.0, "msrp": null, "sale_price": 30000.0, "currency": "USD", "mileage": 21503, "exterior_color": "Ivory Silver", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260551", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/710d36998fb545f3852bded3bcb177fd.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/710d36998fb545f3852bded3bcb177fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e5e61fbdd79849c0a93a8bd451372060.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0709cc57042b4c4ba1286a0990630b42.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ce37b4879e47407fbad422324573c174.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5576f20db2da41b6878bf31b028318e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/542af7580dbe4a2e87260c156e206f74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/33e76f392b204aa6ad7803b08d097910.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6a99c8c48eda4975a3cf265080c5be30.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/37e54773d6704c2f91b124a40eeb1572.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6da7776726f34a3497f3b8d583241918.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/82b4befb2a254c5ca86fcdebbb243b2b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/76cbc9efad61489c9e4f60a16b2a6450.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d98ba057c5124b8ab329f3d2a40745ab.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd42425b780548db9a7abf52bc88e172.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/61a43d5d953b47a092fca420075a6834.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ea7bd54a36734680b2d1905723b47e2d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1ae3acda13ba4a6180d0284a2e883264.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48a45ccb5018465ba2457d8ea682f0c3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f3dce2e91e774c9786f588595c6dec24.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4aa3ede6271841b395c0348bb6f9d72d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9dad6ec07a4a4eff97eaa61cba0677f1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0707671bac634a6ab567bc02bd043968.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/54802fe3323e437882db9dbefc08788d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/608ab3e673f64a7f9ea741e66ade03e1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9f13621948cb48ed92a8892dcb3e8d64.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/947f5ce1f9da482797a5ecedd8372292.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/78d435f003994c099a47dea208108c20.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b2aa54477d4849e6bb46c5d855ad2e59.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a50778650d35413a9a813bca2e5c0250.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d79b434b7fc48079992e52716fa242b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8bd8c584d3e84c00970a86e382bf40af.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/50ca8b5eb62845f9950809c6676b7c57.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5fb817a9574b4d469b7b9816ace3e15b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/afd97d78e3aa4a499ba774b64948c6f7.jpg"], "vin_decode": {"make": "Kia", "model": "Sorento", "year": 2026, "trim": "LX", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYRG4JC7TG456417.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sorento-be2dcdc3ac182b914f32918658ff45c8.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sorento-be2dcdc3ac182b914f32918658ff45c8.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYRG4JC7TG456417.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYRG4JC7TG456417.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYRG4JC7TG456417.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sorento-be2dcdc3ac182b914f32918658ff45c8.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260551, VIN 5XYRG4JC7TG456417. Advertised price: $30,000. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,000"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30000.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRG4JC7TG456417_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 748, "unit": "per_month", "display": "$748/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30000.0, "price_incl_doc": 30000.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 748.44, "amount_financed": 31875.0, "sales_tax": 1875.0, "total_of_payments": 35925.08, "finance_charge": 4050.08, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260551, VIN 5XYRG4JC7TG456417. $748 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,000, before any dealer documentation fee. Amount financed $31,875, including $1,875 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,925. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRG4JC7TG456417_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 624, "unit": "per_month", "display": "$624/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30000.0, "price_incl_doc": 30000.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 623.52, "amount_financed": 31875.0, "sales_tax": 1875.0, "total_of_payments": 37411.3, "finance_charge": 5536.3, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260551, VIN 5XYRG4JC7TG456417. $624 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,000, before any dealer documentation fee. Amount financed $31,875, including $1,875 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,411. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRG4JC7TG456417_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 543, "unit": "per_month", "display": "$543/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30000.0, "price_incl_doc": 30000.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 543.28, "amount_financed": 31875.0, "sales_tax": 1875.0, "total_of_payments": 39116.45, "finance_charge": 7241.45, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260551, VIN 5XYRG4JC7TG456417. $543 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,000, before any dealer documentation fee. Amount financed $31,875, including $1,875 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,116. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$15,662"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 15662.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPGDA37KG596375_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15662.0, "price_incl_doc": 15662.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 390.74, "amount_financed": 16640.88, "sales_tax": 978.88, "total_of_payments": 18755.29, "finance_charge": 2114.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260391A, VIN 5XYPGDA37KG596375. $391 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $15,662, before any dealer documentation fee. Amount financed $16,641, including $979 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $18,755. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPGDA37KG596375_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 326, "unit": "per_month", "display": "$326/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15662.0, "price_incl_doc": 15662.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 325.52, "amount_financed": 16640.88, "sales_tax": 978.88, "total_of_payments": 19531.2, "finance_charge": 2890.32, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260391A, VIN 5XYPGDA37KG596375. $326 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $15,662, before any dealer documentation fee. Amount financed $16,641, including $979 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $19,531. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPGDA37KG596375_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 284, "unit": "per_month", "display": "$284/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15662.0, "price_incl_doc": 15662.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 283.63, "amount_financed": 16640.88, "sales_tax": 978.88, "total_of_payments": 20421.4, "finance_charge": 3780.52, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260391A, VIN 5XYPGDA37KG596375. $284 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $15,662, before any dealer documentation fee. Amount financed $16,641, including $979 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $20,421. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28236.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J74T5431218_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 704, "unit": "per_month", "display": "$704/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28236.0, "price_incl_doc": 28236.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 704.43, "amount_financed": 30000.75, "sales_tax": 1764.75, "total_of_payments": 33812.69, "finance_charge": 3811.94, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260131, VIN KNAG64J74T5431218. $704 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,236, before any dealer documentation fee. Amount financed $30,001, including $1,765 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,813. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J74T5431218_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 587, "unit": "per_month", "display": "$587/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28236.0, "price_incl_doc": 28236.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.86, "amount_financed": 30000.75, "sales_tax": 1764.75, "total_of_payments": 35211.52, "finance_charge": 5210.77, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260131, VIN KNAG64J74T5431218. $587 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,236, before any dealer documentation fee. Amount financed $30,001, including $1,765 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,212. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J74T5431218_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 511, "unit": "per_month", "display": "$511/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28236.0, "price_incl_doc": 28236.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 511.34, "amount_financed": 30000.75, "sales_tax": 1764.75, "total_of_payments": 36816.4, "finance_charge": 6815.65, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260131, VIN KNAG64J74T5431218. $511 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,236, before any dealer documentation fee. Amount financed $30,001, including $1,765 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,816. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 121}}, {"vin": "1C4JJXR69PW513658", "title": "2023 Jeep Wrangler Rubicon 4xe", "year": 2023, "make": "Jeep", "model": "Wrangler", "trim": "Rubicon 4xe", "decoded_trim": "Rubicon 4XE", "condition": "used", "price": 31410.0, "msrp": null, "sale_price": 31410.0, "currency": "USD", "mileage": 42000, "exterior_color": "Silver Zynith Clearcoat", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7869", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4JJXR69PW513658_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 784, "unit": "per_month", "display": "$784/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31410.0, "price_incl_doc": 31410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 783.62, "amount_financed": 33373.13, "sales_tax": 1963.13, "total_of_payments": 37613.56, "finance_charge": 4240.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7869, VIN 1C4JJXR69PW513658. $784 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,410, before any dealer documentation fee. Amount financed $33,373, including $1,963 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,614. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4JJXR69PW513658_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 653, "unit": "per_month", "display": "$653/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31410.0, "price_incl_doc": 31410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 652.83, "amount_financed": 33373.13, "sales_tax": 1963.13, "total_of_payments": 39169.64, "finance_charge": 5796.51, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7869, VIN 1C4JJXR69PW513658. $653 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,410, before any dealer documentation fee. Amount financed $33,373, including $1,963 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,170. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31410.0, "price_incl_doc": 31410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 568.82, "amount_financed": 33373.13, "sales_tax": 1963.13, "total_of_payments": 40954.93, "finance_charge": 7581.8, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7869, VIN 1C4JJXR69PW513658. $569 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,410, before any dealer documentation fee. Amount financed $33,373, including $1,963 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,955. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28459.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J72T5458918_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 591, "unit": "per_month", "display": "$591/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,210"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33210.0, "price_incl_doc": 33210.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 828.52, "amount_financed": 35285.63, "sales_tax": 2075.63, "total_of_payments": 39769.07, "finance_charge": 4483.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5941, VIN 1C4RJYE61N8764898. $829 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,210, before any dealer documentation fee. Amount financed $35,286, including $2,076 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,769. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33210.0, "price_incl_doc": 33210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 690.24, "amount_financed": 35285.63, "sales_tax": 2075.63, "total_of_payments": 41414.32, "finance_charge": 6128.69, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5941, VIN 1C4RJYE61N8764898. $690 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,210, before any dealer documentation fee. Amount financed $35,286, including $2,076 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,414. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27310.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XXG64J24RG257484_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 681, "unit": "per_month", "display": "$681/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27310.0, "price_incl_doc": 27310.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 681.33, "amount_financed": 29016.88, "sales_tax": 1706.88, "total_of_payments": 32703.8, "finance_charge": 3686.92, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260561A, VIN 5XXG64J24RG257484. $681 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,310, before any dealer documentation fee. Amount financed $29,017, including $1,707 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,704. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27310.0, "price_incl_doc": 27310.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 567.61, "amount_financed": 29016.88, "sales_tax": 1706.88, "total_of_payments": 34056.76, "finance_charge": 5039.88, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260561A, VIN 5XXG64J24RG257484. $568 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,310, before any dealer documentation fee. Amount financed $29,017, including $1,707 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,057. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27310.0, "price_incl_doc": 27310.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 494.57, "amount_financed": 29016.88, "sales_tax": 1706.88, "total_of_payments": 35609.01, "finance_charge": 6592.13, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260561A, VIN 5XXG64J24RG257484. $495 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,310, before any dealer documentation fee. Amount financed $29,017, including $1,707 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,609. Offer expires 2026-07-31. Estimated for ZIP 60050. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Hyundai/2024-Hyundai-Tucson-Hybrid-bda14242ac1840287e965475cba35a54.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KM8JECD12RU156049.html", "json_url": "https://ai.castlekiamchenry.com/v/KM8JECD12RU156049.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KM8JECD12RU156049.md", "vdp_url": "https://www.castlekiamchenry.com/used/Hyundai/2024-Hyundai-Tucson-Hybrid-bda14242ac1840287e965475cba35a54.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26610.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26610.0, "price_incl_doc": 26610.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 663.87, "amount_financed": 28273.13, "sales_tax": 1663.13, "total_of_payments": 31865.55, "finance_charge": 3592.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260433A, VIN KM8JECD12RU156049. $664 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,610, before any dealer documentation fee. Amount financed $28,273, including $1,663 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,866. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8JECD12RU156049_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 553, "unit": "per_month", "display": "$553/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26610.0, "price_incl_doc": 26610.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.06, "amount_financed": 28273.13, "sales_tax": 1663.13, "total_of_payments": 33183.83, "finance_charge": 4910.7, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260433A, VIN KM8JECD12RU156049. $553 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,610, before any dealer documentation fee. Amount financed $28,273, including $1,663 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,184. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4HJXDG6LW231809_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 574, "unit": "per_month", "display": "$574/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23010.0, "price_incl_doc": 23010.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 574.05, "amount_financed": 24448.13, "sales_tax": 1438.13, "total_of_payments": 27554.54, "finance_charge": 3106.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2500, VIN 1C4HJXDG6LW231809. $574 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,010, before any dealer documentation fee. Amount financed $24,448, including $1,438 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,555. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4HJXDG6LW231809_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 478, "unit": "per_month", "display": "$478/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23010.0, "price_incl_doc": 23010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 478.24, "amount_financed": 24448.13, "sales_tax": 1438.13, "total_of_payments": 28694.47, "finance_charge": 4246.34, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2500, VIN 1C4HJXDG6LW231809. $478 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,010, before any dealer documentation fee. Amount financed $24,448, including $1,438 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,694. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4HJXDG6LW231809_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 417, "unit": "per_month", "display": "$417/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23010.0, "price_incl_doc": 23010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 416.7, "amount_financed": 24448.13, "sales_tax": 1438.13, "total_of_payments": 30002.32, "finance_charge": 5554.19, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2500, VIN 1C4HJXDG6LW231809. $417 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,010, before any dealer documentation fee. Amount financed $24,448, including $1,438 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,002. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 70}}, {"vin": "3KPF54AD6RE732593", "title": "2024 Kia Forte GT\\-Line", "year": 2024, "make": "Kia", "model": "Forte", "trim": "GT\\-Line", "decoded_trim": "GT Line", "condition": "used", "price": 18410.0, "msrp": null, "sale_price": 18410.0, "currency": "USD", "mileage": 3890, "exterior_color": "Aurora Black", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260444A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 29, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/2d78f8ede24541b6a4efb04bf4dabdc9.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/2d78f8ede24541b6a4efb04bf4dabdc9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/539bb8c6631d4951a32717d0be31131d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8308fac8da8041488f94eb13cdde91ce.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a3827c03240645749f90f985a38a9fc5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4c044d3fd7ce43a7b60e5bf3dec139fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fee31f43835f49f0a0c9691678321686.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1b3155b2ce06423fbc9e8f6964058ba9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4430695ba5e248179b051e6cb0fa8dcc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dfabbf0618984e45ae0a2fa4cad654be.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/112250a6fb6e48a5a2f8b43d1badb47c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8618a352e0c74a7cb563a4f16add2507.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f171bf67a7c041908c4ca7e6151a8375.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ea9bc42da9944e82a57eea41320fc9ac.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/71fa91ad07814801849c6d01330956f3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/19cbe199a8824648b06319244964067f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/67afcd62004340b59b48bff3b4253b0c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/177b1c19f2e442e1ada1ce53646f7661.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2a8f73f3b4c04109a7cbbecf37ffc074.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eb11add6dccf49f689e4136700f3fa7a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/64bc78f3435b455bb7d14689f57584e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d13bad644bc843738395d9c38e0d042c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f62f7214090e4f0eb5759bb09fbb6c6b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/84c0fe42162241a8b7264488d5d05489.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/94c82b4fd1744c3e9fa4e1b512d6ecc0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9db75bfe9f5a492db105d1b099c73ef7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c5b4c64c4a624b40b4c6acf0db94d2d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c696a6c7f7a44a05bc8575abfff95076.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2846350eb76449a8002523fdb93b12e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e867918fc9f1456fa3bd220ab032f994.jpg"], "vin_decode": {"make": "Kia", "model": "Forte", "year": 2024, "trim": "GT Line", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPF54AD6RE732593.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2024-Kia-Forte-bda2166bac1840287e965475be380efa.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2024-Kia-Forte-bda2166bac1840287e965475be380efa.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPF54AD6RE732593.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPF54AD6RE732593.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPF54AD6RE732593.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2024-Kia-Forte-bda2166bac1840287e965475be380efa.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260444A, VIN 3KPF54AD6RE732593. Advertised price: $18,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$18,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 18410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPF54AD6RE732593_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 459, "unit": "per_month", "display": "$459/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18410.0, "price_incl_doc": 18410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 459.29, "amount_financed": 19560.63, "sales_tax": 1150.63, "total_of_payments": 22046.03, "finance_charge": 2485.4, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260444A, VIN 3KPF54AD6RE732593. $459 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $18,410, before any dealer documentation fee. Amount financed $19,561, including $1,151 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $22,046. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPF54AD6RE732593_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 383, "unit": "per_month", "display": "$383/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18410.0, "price_incl_doc": 18410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 382.63, "amount_financed": 19560.63, "sales_tax": 1150.63, "total_of_payments": 22958.07, "finance_charge": 3397.44, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260444A, VIN 3KPF54AD6RE732593. $383 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $18,410, before any dealer documentation fee. Amount financed $19,561, including $1,151 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,958. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPF54AD6RE732593_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 333, "unit": "per_month", "display": "$333/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18410.0, "price_incl_doc": 18410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 333.4, "amount_financed": 19560.63, "sales_tax": 1150.63, "total_of_payments": 24004.47, "finance_charge": 4443.84, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260444A, VIN 3KPF54AD6RE732593. $333 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $18,410, before any dealer documentation fee. Amount financed $19,561, including $1,151 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $24,004. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31410.0, "price_incl_doc": 31410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 783.62, "amount_financed": 33373.13, "sales_tax": 1963.13, "total_of_payments": 37613.56, "finance_charge": 4240.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7897, VIN 1C4RJHAG2PC643487. $784 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,410, before any dealer documentation fee. Amount financed $33,373, including $1,963 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,614. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJHAG2PC643487_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 653, "unit": "per_month", "display": "$653/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31410.0, "price_incl_doc": 31410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 652.83, "amount_financed": 33373.13, "sales_tax": 1963.13, "total_of_payments": 39169.64, "finance_charge": 5796.51, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7897, VIN 1C4RJHAG2PC643487. $653 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,410, before any dealer documentation fee. Amount financed $33,373, including $1,963 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,170. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJHAG2PC643487_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 569, "unit": "per_month", "display": "$569/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31410.0, "price_incl_doc": 31410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 568.82, "amount_financed": 33373.13, "sales_tax": 1963.13, "total_of_payments": 40954.93, "finance_charge": 7581.8, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7897, VIN 1C4RJHAG2PC643487. $569 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,410, before any dealer documentation fee. Amount financed $33,373, including $1,963 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,955. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 70}}, {"vin": "1C4HJXENXMW574251", "title": "2021 Jeep Wrangler Unlimited Sahara", "year": 2021, "make": "Jeep", "model": "Wrangler", "trim": "Unlimited Sahara", "decoded_trim": "Unlimited Sahara", "condition": "used", "price": 30710.0, "msrp": null, "sale_price": 30710.0, "currency": "USD", "mileage": 42000, "exterior_color": "Granite Crystal Metallic Clearcoat", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260498A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 31, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/6f1e2e3cb0104731be6c63fec50bf8a9.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/6f1e2e3cb0104731be6c63fec50bf8a9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6331b05ccae349e88a5c52121a3186a5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b73801f77ede4ae5824be0c0dfab43d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a4986162ccc04c7c8c026c6a063c8a2f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/83a21084ebad4ba48bdc4bf99df0536a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b04a7c990d864c7d9eb7b551ed51f3b8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/418ec8c44de447a6960d7e9f28eb6453.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/73d45e64a46d4d2b9ccbc4765e9297b0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc99e31fbac54772a2f2f572623b20a2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8c9d940c875f4ab5b5c8b2e636f8dea1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6eed52b4a2bd485892c642b35f2b42e3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/72df00d575a64b92b1bc4ad0329aa43e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9625126241dd4dc1a560350a865c4d0c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fb0ce0b8e9f74591bdd6b785b89a0a01.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/85af3c6eafee4213bd3752bd1b7cee79.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4cbdbfb762f346f3910a80cf52518ce6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d4854c6809744e281c3b8a407f8b1f4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/68f88e98b70d47b5a42e436fcefa5bfa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/07dc4bb7b81e47a08b25b53092a0dca3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2cfd7476088441f0b651de050b7afe5e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2d546f92974b4a6aa24bfc90d52a3a6b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/52cdf9f6fa164a658eda7291322d8cff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9954597948647518ca49db1134ee451.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ea1c7148a4864594b1cda9f1809822db.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a750bcda2b554c239d36af81f74222f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c754963035ba4ffaac926e5a2ac5b33a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e06f8220914c4043b6b79b8f81cf414d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3242c7f41c9349dfa582c57eea13ed3d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c50ac64ca3de42d0806ddf0e17e9b166.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/65d7f630d32746759fae8af17900205d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a8778c5200bd453fa009ccad14bbc4d6.jpg"], "vin_decode": {"make": "Jeep", "model": "Wrangler", "year": 2021, "trim": "Unlimited Sahara", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder In-Line", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1C4HJXENXMW574251.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Jeep/2021-Jeep-Wrangler-d9d4050aac185eec8775130500d0313b.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Jeep/2021-Jeep-Wrangler-d9d4050aac185eec8775130500d0313b.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1C4HJXENXMW574251.html", "json_url": "https://ai.castlekiamchenry.com/v/1C4HJXENXMW574251.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1C4HJXENXMW574251.md", "vdp_url": "https://www.castlekiamchenry.com/used/Jeep/2021-Jeep-Wrangler-d9d4050aac185eec8775130500d0313b.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,710"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30710.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4HJXENXMW574251_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 766, "unit": "per_month", "display": "$766/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30710.0, "price_incl_doc": 30710.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 766.15, "amount_financed": 32629.38, "sales_tax": 1919.38, "total_of_payments": 36775.31, "finance_charge": 4145.93, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260498A, VIN 1C4HJXENXMW574251. $766 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,710, before any dealer documentation fee. Amount financed $32,629, including $1,919 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,775. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30710.0, "price_incl_doc": 30710.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 638.28, "amount_financed": 32629.38, "sales_tax": 1919.38, "total_of_payments": 38296.71, "finance_charge": 5667.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260498A, VIN 1C4HJXENXMW574251. $638 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,710, before any dealer documentation fee. Amount financed $32,629, including $1,919 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,297. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30710.0, "price_incl_doc": 30710.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 556.14, "amount_financed": 32629.38, "sales_tax": 1919.38, "total_of_payments": 40042.21, "finance_charge": 7412.83, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260498A, VIN 1C4HJXENXMW574251. $556 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,710, before any dealer documentation fee. Amount financed $32,629, including $1,919 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,042. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8JBCA18NU029474_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 529, "unit": "per_month", "display": "$529/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21190.0, "price_incl_doc": 21190.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 528.65, "amount_financed": 22514.38, "sales_tax": 1324.38, "total_of_payments": 25375.09, "finance_charge": 2860.71, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260209A, VIN KM8JBCA18NU029474. $529 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,190, before any dealer documentation fee. Amount financed $22,514, including $1,324 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,375. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8JBCA18NU029474_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 440, "unit": "per_month", "display": "$440/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21190.0, "price_incl_doc": 21190.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 440.41, "amount_financed": 22514.38, "sales_tax": 1324.38, "total_of_payments": 26424.85, "finance_charge": 3910.47, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260209A, VIN KM8JBCA18NU029474. $440 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,190, before any dealer documentation fee. Amount financed $22,514, including $1,324 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,425. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8JBCA18NU029474_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 384, "unit": "per_month", "display": "$384/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21190.0, "price_incl_doc": 21190.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 383.74, "amount_financed": 22514.38, "sales_tax": 1324.38, "total_of_payments": 27629.26, "finance_charge": 5114.88, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260209A, VIN KM8JBCA18NU029474. $384 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,190, before any dealer documentation fee. Amount financed $22,514, including $1,324 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $27,629. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 77}}, {"vin": "19XFL2H85PE015795", "title": "2023 Honda Civic Sport", "year": 2023, "make": "Honda", "model": "Civic", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 24410.0, "msrp": null, "sale_price": 24410.0, "currency": "USD", "mileage": 4245, "exterior_color": null, "interior_color": null, "drivetrain": "Drivetrain", "body_style": "Hatchback", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MKK373A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Honda", "model": "Civic", "year": 2023, "trim": "Sport", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2.0L 4-Cylinder In-Line", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2023-Honda-Civic-9a12183fac18565efbfe56c49f8153ef.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2023-Honda-Civic-9a12183fac18565efbfe56c49f8153ef.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/19XFL2H85PE015795.html", "json_url": "https://ai.castlekiamchenry.com/v/19XFL2H85PE015795.json", "markdown_url": "https://ai.castlekiamchenry.com/v/19XFL2H85PE015795.md", "vdp_url": "https://www.castlekiamchenry.com/used/Honda/2023-Honda-Civic-9a12183fac18565efbfe56c49f8153ef.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MKK373A, VIN 19XFL2H85PE015795. Advertised price: $24,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_19XFL2H85PE015795_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.98, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 29231.05, "finance_charge": 3295.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK373A, VIN 19XFL2H85PE015795. $609 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,231. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_19XFL2H85PE015795_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 507, "unit": "per_month", "display": "$507/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.34, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 30440.33, "finance_charge": 4504.7, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK373A, VIN 19XFL2H85PE015795. $507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,440. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_19XFL2H85PE015795_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 442.05, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 31827.76, "finance_charge": 5892.13, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK373A, VIN 19XFL2H85PE015795. $442 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,828. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33210.0, "price_incl_doc": 33210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 690.24, "amount_financed": 35285.63, "sales_tax": 2075.63, "total_of_payments": 41414.32, "finance_charge": 6128.69, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260467A, VIN 1C6HJTAG3PL556896. $690 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,210, before any dealer documentation fee. Amount financed $35,286, including $2,076 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,414. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33210.0, "price_incl_doc": 33210.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 601.42, "amount_financed": 35285.63, "sales_tax": 2075.63, "total_of_payments": 43301.92, "finance_charge": 8016.29, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260467A, VIN 1C6HJTAG3PL556896. $601 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,210, before any dealer documentation fee. Amount financed $35,286, including $2,076 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $43,302. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23910.0, "price_incl_doc": 23910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 596.51, "amount_financed": 25404.38, "sales_tax": 1494.38, "total_of_payments": 28632.29, "finance_charge": 3227.91, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2519, VIN 3C4NJDCB7NT174732. $597 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,910, before any dealer documentation fee. Amount financed $25,404, including $1,494 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,632. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3C4NJDCB7NT174732_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 497, "unit": "per_month", "display": "$497/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23910.0, "price_incl_doc": 23910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 496.95, "amount_financed": 25404.38, "sales_tax": 1494.38, "total_of_payments": 29816.81, "finance_charge": 4412.43, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2519, VIN 3C4NJDCB7NT174732. $497 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,910, before any dealer documentation fee. Amount financed $25,404, including $1,494 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,817. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3C4NJDCB7NT174732_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 433, "unit": "per_month", "display": "$433/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23910.0, "price_incl_doc": 23910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 433.0, "amount_financed": 25404.38, "sales_tax": 1494.38, "total_of_payments": 31175.82, "finance_charge": 5771.44, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2519, VIN 3C4NJDCB7NT174732. $433 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,910, before any dealer documentation fee. Amount financed $25,404, including $1,494 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,176. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 70}}, {"vin": "KMHLP4DG0RU834519", "title": "2024 Hyundai Elantra Limited", "year": 2024, "make": "Hyundai", "model": "Elantra", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 21410.0, "msrp": null, "sale_price": 21410.0, "currency": "USD", "mileage": 48000, "exterior_color": "Abyss Black", "interior_color": "Melange/Light Gray", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MKP2512", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 30, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/c382aaaee708415181422f793e30039a.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/c382aaaee708415181422f793e30039a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/338aec80864c42eeb1d2e2909ed9896a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a458fab9f2fe4d63872540c4cb058a6c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8d6bffb518004b0ca4d0d25069db37c8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/07775979404f405fba6b5d27c32da6cf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/315b407b9e6041ec87e209e530821124.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d5c38c7f5474f43ae5b82391fc9b8a7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/299c8b84c63c4f4aab9c5c006ed37461.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f52f5552daf4efaaf5d3a8204a62b3e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ddd3217c1c174ea6a02b2acf192c682f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fb5e344674c84def86eb8de262bc2bb6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fdaa61f1a507459aa50f0e0b996b5c5e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/24365ee54d1d46938805517f890518dc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/877ebbd4dfce458c83b79bc0c858a3ec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a5bef08dc5734164b71b2465e5cd93c8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/147fff5ebfb3473b82b4300d5b73bfc4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f70371b1f3424b81a352befecc7b90f9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2927d37c4ac344c790652b1700923742.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/281e56e4400e4088994d4842c69dd6ca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a60b49551d634d07ac310aaae6cbd46c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d181b231982244a7bfee80206f83a1cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8a7994a784454ef6967a2e05e4834eb1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/00b6186ddebf45f6b847c1c52235107f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/49df44dda6aa497585750f8625edf499.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/80c005c93c4348348878c6400e05bbd7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/919bb91ba44644ae9e0b220152b19e1d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9fbaaa32948048d8a7ec030af5ba62a6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8191828112d5493bb8c3ca56737147c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/69773557b2434a39a2a475bd88594111.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/723cf7475be848e79a93059b3c6ad70b.jpg"], "vin_decode": {"make": "Hyundai", "model": "Elantra", "year": 2024, "trim": "Limited", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KMHLP4DG0RU834519.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Hyundai/2024-Hyundai-Elantra-fbbbca6bac18518c500bfccb2e9a31bf.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Hyundai/2024-Hyundai-Elantra-fbbbca6bac18518c500bfccb2e9a31bf.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KMHLP4DG0RU834519.html", "json_url": "https://ai.castlekiamchenry.com/v/KMHLP4DG0RU834519.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KMHLP4DG0RU834519.md", "vdp_url": "https://www.castlekiamchenry.com/used/Hyundai/2024-Hyundai-Elantra-fbbbca6bac18518c500bfccb2e9a31bf.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MKP2512, VIN KMHLP4DG0RU834519. Advertised price: $21,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$21,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMHLP4DG0RU834519_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 534, "unit": "per_month", "display": "$534/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21410.0, "price_incl_doc": 21410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 534.14, "amount_financed": 22748.13, "sales_tax": 1338.13, "total_of_payments": 25638.54, "finance_charge": 2890.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2512, VIN KMHLP4DG0RU834519. $534 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,410, before any dealer documentation fee. Amount financed $22,748, including $1,338 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,639. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHLP4DG0RU834519_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 445, "unit": "per_month", "display": "$445/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21410.0, "price_incl_doc": 21410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 444.99, "amount_financed": 22748.13, "sales_tax": 1338.13, "total_of_payments": 26699.2, "finance_charge": 3951.07, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2512, VIN KMHLP4DG0RU834519. $445 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,410, before any dealer documentation fee. Amount financed $22,748, including $1,338 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,699. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHLP4DG0RU834519_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 388, "unit": "per_month", "display": "$388/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21410.0, "price_incl_doc": 21410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 387.72, "amount_financed": 22748.13, "sales_tax": 1338.13, "total_of_payments": 27916.11, "finance_charge": 5167.98, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2512, VIN KMHLP4DG0RU834519. $388 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,410, before any dealer documentation fee. Amount financed $22,748, including $1,338 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $27,916. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31910.0, "price_incl_doc": 31910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 663.22, "amount_financed": 33904.38, "sales_tax": 1994.38, "total_of_payments": 39793.16, "finance_charge": 5888.78, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260381A, VIN 7FART6H55ME021536. $663 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,910, before any dealer documentation fee. Amount financed $33,904, including $1,994 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,793. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7FART6H55ME021536_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 578, "unit": "per_month", "display": "$578/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31910.0, "price_incl_doc": 31910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 577.87, "amount_financed": 33904.38, "sales_tax": 1994.38, "total_of_payments": 41606.87, "finance_charge": 7702.49, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260381A, VIN 7FART6H55ME021536. $578 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,910, before any dealer documentation fee. Amount financed $33,904, including $1,994 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,607. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24061.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24061.0, "price_incl_doc": 24061.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 600.27, "amount_financed": 25564.81, "sales_tax": 1503.81, "total_of_payments": 28813.11, "finance_charge": 3248.3, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270039A, VIN 5NMJB3DEXSH445385. $600 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,061, before any dealer documentation fee. Amount financed $25,565, including $1,504 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,813. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJB3DEXSH445385_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 500, "unit": "per_month", "display": "$500/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24061.0, "price_incl_doc": 24061.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 500.09, "amount_financed": 25564.81, "sales_tax": 1503.81, "total_of_payments": 30005.11, "finance_charge": 4440.3, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270039A, VIN 5NMJB3DEXSH445385. $500 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,061, before any dealer documentation fee. Amount financed $25,565, including $1,504 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,005. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJB3DEXSH445385_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 436, "unit": "per_month", "display": "$436/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24061.0, "price_incl_doc": 24061.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 435.73, "amount_financed": 25564.81, "sales_tax": 1503.81, "total_of_payments": 31372.69, "finance_charge": 5807.88, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270039A, VIN 5NMJB3DEXSH445385. $436 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,061, before any dealer documentation fee. Amount financed $25,565, including $1,504 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,373. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 86}}, {"vin": "1GTUUCE81RZ338795", "title": "2024 GMC Sierra 1500 Elevation", "year": 2024, "make": "GMC", "model": "Sierra 1500", "trim": "Elevation", "decoded_trim": "Elevation", "condition": "used", "price": 46010.0, "msrp": null, "sale_price": 46010.0, "currency": "USD", "mileage": 0, "exterior_color": "Volcanic Red Tintcoat", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Diesel", "doors": null, "seating_capacity": null, "engine": "3L i-6", "engine_displacement_l": 3.0, "engine_cylinders": 6, "transmission": "10-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260450A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Gmc", "model": "Sierra", "year": 2024, "trim": "Elevation", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "3.0L 6-Cylinder In-Line", "engine_displacement_l": 3.0, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Diesel", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1GTUUCE81RZ338795.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/GMC/2024-GMC-Sierra-1500-0abb6aecac1823d859b5afaeaa7b99bf.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/GMC/2024-GMC-Sierra-1500-0abb6aecac1823d859b5afaeaa7b99bf.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1GTUUCE81RZ338795.html", "json_url": "https://ai.castlekiamchenry.com/v/1GTUUCE81RZ338795.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1GTUUCE81RZ338795.md", "vdp_url": "https://www.castlekiamchenry.com/certified/GMC/2024-GMC-Sierra-1500-0abb6aecac1823d859b5afaeaa7b99bf.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260450A, VIN 1GTUUCE81RZ338795. Advertised price: $46,010. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$46,010"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GTUUCE81RZ338795_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1148, "unit": "per_month", "display": "$1,148/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46010.0, "price_incl_doc": 46010.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1147.86, "amount_financed": 48885.63, "sales_tax": 2875.63, "total_of_payments": 55097.1, "finance_charge": 6211.47, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260450A, VIN 1GTUUCE81RZ338795. $1,148 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $46,010, before any dealer documentation fee. Amount financed $48,886, including $2,876 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $55,097. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GTUUCE81RZ338795_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 956, "unit": "per_month", "display": "$956/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46010.0, "price_incl_doc": 46010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 956.27, "amount_financed": 48885.63, "sales_tax": 2875.63, "total_of_payments": 57376.47, "finance_charge": 8490.84, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260450A, VIN 1GTUUCE81RZ338795. $956 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,010, before any dealer documentation fee. Amount financed $48,886, including $2,876 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $57,376. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GTUUCE81RZ338795_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 833, "unit": "per_month", "display": "$833/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46010.0, "price_incl_doc": 46010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 833.22, "amount_financed": 48885.63, "sales_tax": 2875.63, "total_of_payments": 59991.6, "finance_charge": 11105.97, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260450A, VIN 1GTUUCE81RZ338795. $833 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $46,010, before any dealer documentation fee. Amount financed $48,886, including $2,876 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $59,992. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 77}}, {"vin": "2HGFE1E50SH474651", "title": "2025 Honda Civic Si SI / SI HPT", "year": 2025, "make": "Honda", "model": "Civic Si", "trim": "SI / SI HPT", "decoded_trim": "SI / SI HPT", "condition": "used", "price": 32410.0, "msrp": null, "sale_price": 32410.0, "currency": "USD", "mileage": 0, "exterior_color": "Gray", "interior_color": null, "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "1.5L i-4", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "6-Speed Manual", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260477A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Honda", "model": "Civic Si", "year": 2025, "trim": "SI / SI HPT", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "1.5L 4-Cylinder In-Line", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2025-Honda-Civic-Si-97108a1bac184121ce021fae404e53f8.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2025-Honda-Civic-Si-97108a1bac184121ce021fae404e53f8.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/2HGFE1E50SH474651.html", "json_url": "https://ai.castlekiamchenry.com/v/2HGFE1E50SH474651.json", "markdown_url": "https://ai.castlekiamchenry.com/v/2HGFE1E50SH474651.md", "vdp_url": "https://www.castlekiamchenry.com/used/Honda/2025-Honda-Civic-Si-97108a1bac184121ce021fae404e53f8.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260477A, VIN 2HGFE1E50SH474651. Advertised price: $32,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_2HGFE1E50SH474651_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 809, "unit": "per_month", "display": "$809/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.56, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 38811.07, "finance_charge": 4375.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260477A, VIN 2HGFE1E50SH474651. $809 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,811. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2HGFE1E50SH474651_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 674, "unit": "per_month", "display": "$674/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 673.61, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 40416.68, "finance_charge": 5981.05, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260477A, VIN 2HGFE1E50SH474651. $674 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,417. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2HGFE1E50SH474651_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 587, "unit": "per_month", "display": "$587/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.93, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 42258.81, "finance_charge": 7823.18, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260477A, VIN 2HGFE1E50SH474651. $587 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,259. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 88}}, {"vin": "5J6RW2H88JL007154", "title": "2018 Honda CR-V EX\\-L", "year": 2018, "make": "Honda", "model": "CR-V", "trim": "EX\\-L", "decoded_trim": "EX-L/EX-L Navi", "condition": "used", "price": 18410.0, "msrp": null, "sale_price": 18410.0, "currency": "USD", "mileage": 134000, "exterior_color": "Obsidian Blue Pearl", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "1.5L i-4", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270055A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 32, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/06b4c02ecf8a4ab195be51b018553fd4.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/06b4c02ecf8a4ab195be51b018553fd4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0bed7482b03b41d9aa1b54995004b38d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a312ae0cc6ef45aca2d08aae918e0402.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ae44e61eca6b4bf980484130ecfb7cf6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aeecb06346dd41648fb3e8c85d065113.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/913890417d5145fc85e4b414010155cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/697acebe42424c609d400494d0b86e16.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c2d32848529b416d9dde116f8cd5d4e4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/907c0483394147c988955c782a390600.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3a949cce1c1644bc88f818a8e0c29261.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0f9cdb4f52e64d4d9af488b45aa12aba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2cb6d8d0c56744fa91ee672ebae28598.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3456ac270b8340d68c823617e7fea4d4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4f6d7a99b1c64acaaa0d59d25234309e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd1ac5ec5da54453b56ca89c0fbb0c3b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c04afc9a22a04dc19e829cfe91ac11db.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1dec9656ffdd413c929a5835eef507c3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41369ca6ab5d46a8a1392d4c86be6695.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/804095ac02c443d7a5cd253f8a42f9cf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/31f22e57aee14f53837c4bba7d9daa66.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a7e9422b4f90449aad847df30434385b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ee637d21a7f441585dadf768a082120.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/60277da5f0014c2eb3dd072ec40168d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b79870ccd9a54753afa821180b448715.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8e72114a6499459080bc5f25dcb7bb1b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2e7c095634ab46e89cd76eae2f7c9623.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eca172420e6d40f3b7aed02c2e0471c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f6b65fe1ed664b98b74785fe45b9a100.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4da2e10a4b1f443b901e137c8cdd760b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b292f1d7561f4d6ba3775bdc5326403d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f93b55386c9944f2bf78d59c30765654.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/06d32f503daf4be1a7be901e8fb2026d.jpg"], "vin_decode": {"make": "Honda", "model": "CR-V", "year": 2018, "trim": "EX-L/EX-L Navi", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder In-Line", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2018-Honda-CR-V-c3f1bd6dac180a40019721e4b3e0e91a.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2018-Honda-CR-V-c3f1bd6dac180a40019721e4b3e0e91a.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5J6RW2H88JL007154.html", "json_url": "https://ai.castlekiamchenry.com/v/5J6RW2H88JL007154.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5J6RW2H88JL007154.md", "vdp_url": "https://www.castlekiamchenry.com/used/Honda/2018-Honda-CR-V-c3f1bd6dac180a40019721e4b3e0e91a.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270055A, VIN 5J6RW2H88JL007154. Advertised price: $18,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$18,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 18410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5J6RW2H88JL007154_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 459, "unit": "per_month", "display": "$459/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18410.0, "price_incl_doc": 18410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 459.29, "amount_financed": 19560.63, "sales_tax": 1150.63, "total_of_payments": 22046.03, "finance_charge": 2485.4, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270055A, VIN 5J6RW2H88JL007154. $459 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $18,410, before any dealer documentation fee. Amount financed $19,561, including $1,151 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $22,046. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5J6RW2H88JL007154_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 383, "unit": "per_month", "display": "$383/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18410.0, "price_incl_doc": 18410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 382.63, "amount_financed": 19560.63, "sales_tax": 1150.63, "total_of_payments": 22958.07, "finance_charge": 3397.44, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270055A, VIN 5J6RW2H88JL007154. $383 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $18,410, before any dealer documentation fee. Amount financed $19,561, including $1,151 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,958. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5J6RW2H88JL007154_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 333, "unit": "per_month", "display": "$333/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18410.0, "price_incl_doc": 18410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 333.4, "amount_financed": 19560.63, "sales_tax": 1150.63, "total_of_payments": 24004.47, "finance_charge": 4443.84, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270055A, VIN 5J6RW2H88JL007154. $333 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $18,410, before any dealer documentation fee. Amount financed $19,561, including $1,151 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $24,004. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26410.0, "price_incl_doc": 26410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 658.88, "amount_financed": 28060.63, "sales_tax": 1650.63, "total_of_payments": 31626.05, "finance_charge": 3565.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260422C, VIN 3CZRZ2H50RM757820. $659 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,410, before any dealer documentation fee. Amount financed $28,061, including $1,651 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,626. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26410.0, "price_incl_doc": 26410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 548.91, "amount_financed": 28060.63, "sales_tax": 1650.63, "total_of_payments": 32934.42, "finance_charge": 4873.79, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260422C, VIN 3CZRZ2H50RM757820. $549 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,410, before any dealer documentation fee. Amount financed $28,061, including $1,651 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,934. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3CZRZ2H50RM757820_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 478, "unit": "per_month", "display": "$478/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26410.0, "price_incl_doc": 26410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 478.27, "amount_financed": 28060.63, "sales_tax": 1650.63, "total_of_payments": 34435.52, "finance_charge": 6374.89, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260422C, VIN 3CZRZ2H50RM757820. $478 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,410, before any dealer documentation fee. Amount financed $28,061, including $1,651 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,436. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30410.0, "price_incl_doc": 30410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.67, "amount_financed": 32310.63, "sales_tax": 1900.63, "total_of_payments": 36416.06, "finance_charge": 4105.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2505, VIN KM8KNDDF4RU287134. $759 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,410, before any dealer documentation fee. Amount financed $32,311, including $1,901 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,416. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8KNDDF4RU287134_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 632, "unit": "per_month", "display": "$632/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30410.0, "price_incl_doc": 30410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.04, "amount_financed": 32310.63, "sales_tax": 1900.63, "total_of_payments": 37922.59, "finance_charge": 5611.96, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2505, VIN KM8KNDDF4RU287134. $632 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,410, before any dealer documentation fee. Amount financed $32,311, including $1,901 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,923. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8KNDDF4RU287134_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 551, "unit": "per_month", "display": "$551/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30410.0, "price_incl_doc": 30410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 550.71, "amount_financed": 32310.63, "sales_tax": 1900.63, "total_of_payments": 39651.05, "finance_charge": 7340.42, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2505, VIN KM8KNDDF4RU287134. $551 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,410, before any dealer documentation fee. Amount financed $32,311, including $1,901 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,651. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260271A, VIN 1GT49REYXNF217716. Advertised price: $53,910. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$53,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 53910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GT49REYXNF217716_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1345, "unit": "per_month", "display": "$1,345/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53910.0, "price_incl_doc": 53910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1344.95, "amount_financed": 57279.38, "sales_tax": 3369.38, "total_of_payments": 64557.37, "finance_charge": 7277.99, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260271A, VIN 1GT49REYXNF217716. $1,345 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $53,910, before any dealer documentation fee. Amount financed $57,279, including $3,369 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $64,557. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT49REYXNF217716_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1120, "unit": "per_month", "display": "$1,120/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53910.0, "price_incl_doc": 53910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1120.47, "amount_financed": 57279.38, "sales_tax": 3369.38, "total_of_payments": 67228.11, "finance_charge": 9948.73, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260271A, VIN 1GT49REYXNF217716. $1,120 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $53,910, before any dealer documentation fee. Amount financed $57,279, including $3,369 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $67,228. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT49REYXNF217716_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 976, "unit": "per_month", "display": "$976/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53910.0, "price_incl_doc": 53910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 976.28, "amount_financed": 57279.38, "sales_tax": 3369.38, "total_of_payments": 70292.27, "finance_charge": 13012.89, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260271A, VIN 1GT49REYXNF217716. $976 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $53,910, before any dealer documentation fee. Amount financed $57,279, including $3,369 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $70,292. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 66410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GT49PEY9RF403371_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1657, "unit": "per_month", "display": "$1,657/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 66410.0, "price_incl_doc": 66410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1656.79, "amount_financed": 70560.63, "sales_tax": 4150.63, "total_of_payments": 79526.16, "finance_charge": 8965.53, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260557A, VIN 1GT49PEY9RF403371. $1,657 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $66,410, before any dealer documentation fee. Amount financed $70,561, including $4,151 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $79,526. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT49PEY9RF403371_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1380, "unit": "per_month", "display": "$1,380/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 66410.0, "price_incl_doc": 66410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1380.27, "amount_financed": 70560.63, "sales_tax": 4150.63, "total_of_payments": 82816.16, "finance_charge": 12255.53, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260557A, VIN 1GT49PEY9RF403371. $1,380 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $66,410, before any dealer documentation fee. Amount financed $70,561, including $4,151 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $82,816. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT49PEY9RF403371_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1203, "unit": "per_month", "display": "$1,203/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 66410.0, "price_incl_doc": 66410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1202.65, "amount_financed": 70560.63, "sales_tax": 4150.63, "total_of_payments": 86590.79, "finance_charge": 16030.16, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260557A, VIN 1GT49PEY9RF403371. $1,203 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $66,410, before any dealer documentation fee. Amount financed $70,561, including $4,151 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $86,591. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40210.0, "price_incl_doc": 40210.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1003.16, "amount_financed": 42723.13, "sales_tax": 2513.13, "total_of_payments": 48151.59, "finance_charge": 5428.46, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260485A, VIN 1FTFW1E58PKD64619. $1,003 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $40,210, before any dealer documentation fee. Amount financed $42,723, including $2,513 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $48,152. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FTFW1E58PKD64619_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 836, "unit": "per_month", "display": "$836/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40210.0, "price_incl_doc": 40210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 835.73, "amount_financed": 42723.13, "sales_tax": 2513.13, "total_of_payments": 50143.62, "finance_charge": 7420.49, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260485A, VIN 1FTFW1E58PKD64619. $836 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $40,210, before any dealer documentation fee. Amount financed $42,723, including $2,513 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $50,144. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FTFW1E58PKD64619_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 728, "unit": "per_month", "display": "$728/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40210.0, "price_incl_doc": 40210.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 728.18, "amount_financed": 42723.13, "sales_tax": 2513.13, "total_of_payments": 52429.09, "finance_charge": 9705.96, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260485A, VIN 1FTFW1E58PKD64619. $728 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $40,210, before any dealer documentation fee. Amount financed $42,723, including $2,513 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $52,429. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,210"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GKALYEG4RL233402_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 779, "unit": "per_month", "display": "$779/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31210.0, "price_incl_doc": 31210.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 778.63, "amount_financed": 33160.63, "sales_tax": 1950.63, "total_of_payments": 37374.06, "finance_charge": 4213.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7858, VIN 3GKALYEG4RL233402. $779 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,210, before any dealer documentation fee. Amount financed $33,161, including $1,951 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,374. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GKALYEG4RL233402_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31210.0, "price_incl_doc": 31210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 648.67, "amount_financed": 33160.63, "sales_tax": 1950.63, "total_of_payments": 38920.23, "finance_charge": 5759.6, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7858, VIN 3GKALYEG4RL233402. $649 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,210, before any dealer documentation fee. Amount financed $33,161, including $1,951 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,920. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GKALYEG4RL233402_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 565, "unit": "per_month", "display": "$565/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2C3CDZKG1PH597573_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 694, "unit": "per_month", "display": "$694/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33410.0, "price_incl_doc": 33410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.4, "amount_financed": 35498.13, "sales_tax": 2088.13, "total_of_payments": 41663.72, "finance_charge": 6165.59, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSK269, VIN 2C3CDZKG1PH597573. $694 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,410, before any dealer documentation fee. Amount financed $35,498, including $2,088 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,664. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GKALZEG9TL200781_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1003, "unit": "per_month", "display": "$1,003/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40210.0, "price_incl_doc": 40210.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1003.16, "amount_financed": 42723.13, "sales_tax": 2513.13, "total_of_payments": 48151.59, "finance_charge": 5428.46, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260344A, VIN 3GKALZEG9TL200781. $1,003 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $40,210, before any dealer documentation fee. Amount financed $42,723, including $2,513 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $48,152. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GKALZEG9TL200781_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 836, "unit": "per_month", "display": "$836/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40210.0, "price_incl_doc": 40210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 835.73, "amount_financed": 42723.13, "sales_tax": 2513.13, "total_of_payments": 50143.62, "finance_charge": 7420.49, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260344A, VIN 3GKALZEG9TL200781. $836 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $40,210, before any dealer documentation fee. Amount financed $42,723, including $2,513 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $50,144. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GKALZEG9TL200781_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 728, "unit": "per_month", "display": "$728/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40210.0, "price_incl_doc": 40210.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 728.18, "amount_financed": 42723.13, "sales_tax": 2513.13, "total_of_payments": 52429.09, "finance_charge": 9705.96, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260344A, VIN 3GKALZEG9TL200781. $728 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $40,210, before any dealer documentation fee. Amount financed $42,723, including $2,513 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $52,429. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 127}}, {"vin": "7FARW2H91NE032151", "title": "2022 Honda CR-V Touring", "year": 2022, "make": "Honda", "model": "CR-V", "trim": "Touring", "decoded_trim": "Touring", "condition": "used", "price": 27010.0, "msrp": null, "sale_price": 27010.0, "currency": "USD", "mileage": 134000, "exterior_color": "Crystal Black Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "1.5L i-4", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270037A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 30, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/42a95cacaf1a4a238db2d81b5fa8a1b3.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/42a95cacaf1a4a238db2d81b5fa8a1b3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a1481f1ed509423b8e2919335a54c256.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9095157841ef419ebf9f4ec99183e5a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/762a4163b67444308c9cf91bd8b4c872.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ebffbef3737647ee82fb0ed733cb74e7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b20f87670925443eaf9d39f81e6daa8b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/70d97871de9e49f1a847be79c01c5eee.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/70b757ada42c4c088e65a8a2ad0e4e64.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4a7772391d5b40478139487f6682b127.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/57a6c62393044530b4aa15ffc3f5cdfc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f2e4b9fe5a3042e1a58f79ce6b96b33c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba7e7c159b194dab90d699c7be7efa4c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3cfc836f08704be18bdf0651730a7620.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d0d8fa792b2e42798fd668bdced99b36.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7a67384d83b5402da61d230acf84a995.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1c278f21058d4d688e6b71f105b67ef4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/30a5012f4e4e49eca4cc397a7a783fc6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6c25a86125ab4651b0df4083ee35522c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/75c434cc90424969aed1440a67fcfb25.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fbb4ab18888d47828079735253b97291.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/58d7aa2584eb41d690cb864b7b7dab75.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/508ccb84471f437c87a4eadf95c986cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e2a299a19859450191f985d36e33303a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bfb0dc2b74b843d282bb64641bc89341.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/32c6a5eb1cb4465b86d6896511832f82.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/07479332d7524ade908f7433d6c6a48b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/271aa8f822034e838b30be7b66be1642.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5b2c4768775b4833870c6846fbbf7f17.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4dcca8a00c2442d2844c12a8cf8b7fd6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/43a7aa1a946f48929eac284256717a23.jpg"], "vin_decode": {"make": "Honda", "model": "CR-V", "year": 2022, "trim": "Touring", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder In-Line", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2022-Honda-CR-V-bda1886bac182b914f329186c6edac6f.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7FARW2H91NE032151_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 674, "unit": "per_month", "display": "$674/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27010.0, "price_incl_doc": 27010.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 673.84, "amount_financed": 28698.13, "sales_tax": 1688.13, "total_of_payments": 32344.55, "finance_charge": 3646.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270037A, VIN 7FARW2H91NE032151. $674 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,010, before any dealer documentation fee. Amount financed $28,698, including $1,688 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,345. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27010.0, "price_incl_doc": 27010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 561.38, "amount_financed": 28698.13, "sales_tax": 1688.13, "total_of_payments": 33682.65, "finance_charge": 4984.52, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270037A, VIN 7FARW2H91NE032151. $561 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,010, before any dealer documentation fee. Amount financed $28,698, including $1,688 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,683. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24009.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$45,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GT49RE7XPF199194_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1133, "unit": "per_month", "display": "$1,133/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45410.0, "price_incl_doc": 45410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1132.89, "amount_financed": 48248.13, "sales_tax": 2838.13, "total_of_payments": 54378.6, "finance_charge": 6130.47, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260391A, VIN 1GT49RE7XPF199194. $1,133 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $45,410, before any dealer documentation fee. Amount financed $48,248, including $2,838 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $54,379. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT49RE7XPF199194_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 944, "unit": "per_month", "display": "$944/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45410.0, "price_incl_doc": 45410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 943.8, "amount_financed": 48248.13, "sales_tax": 2838.13, "total_of_payments": 56628.25, "finance_charge": 8380.12, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260391A, VIN 1GT49RE7XPF199194. $944 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $45,410, before any dealer documentation fee. Amount financed $48,248, including $2,838 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $56,628. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45410.0, "price_incl_doc": 45410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 822.35, "amount_financed": 48248.13, "sales_tax": 2838.13, "total_of_payments": 59209.27, "finance_charge": 10961.14, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260391A, VIN 1GT49RE7XPF199194. $822 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $45,410, before any dealer documentation fee. Amount financed $48,248, including $2,838 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $59,209. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260458A, VIN 1GKS2DKL7PR515072. Advertised price: $62,910. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$62,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 62910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GKS2DKL7PR515072_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1569, "unit": "per_month", "display": "$1,569/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 62910.0, "price_incl_doc": 62910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1569.48, "amount_financed": 66841.88, "sales_tax": 3931.88, "total_of_payments": 75334.9, "finance_charge": 8493.02, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260458A, VIN 1GKS2DKL7PR515072. $1,569 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $62,910, before any dealer documentation fee. Amount financed $66,842, including $3,932 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $75,335. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GKS2DKL7PR515072_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1308, "unit": "per_month", "display": "$1,308/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 62910.0, "price_incl_doc": 62910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1307.53, "amount_financed": 66841.88, "sales_tax": 3931.88, "total_of_payments": 78451.5, "finance_charge": 11609.62, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260458A, VIN 1GKS2DKL7PR515072. $1,308 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $62,910, before any dealer documentation fee. Amount financed $66,842, including $3,932 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $78,452. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GKS2DKL7PR515072_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1139, "unit": "per_month", "display": "$1,139/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 62910.0, "price_incl_doc": 62910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1139.27, "amount_financed": 66841.88, "sales_tax": 3931.88, "total_of_payments": 82027.2, "finance_charge": 15185.32, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260458A, VIN 1GKS2DKL7PR515072. $1,139 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $62,910, before any dealer documentation fee. Amount financed $66,842, including $3,932 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $82,027. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MC260751A, VIN 1FTFW1EFXGFA69328. Advertised price: $25,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$25,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FTFW1EFXGFA69328_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25410.0, "price_incl_doc": 25410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 633.93, "amount_financed": 26998.13, "sales_tax": 1588.13, "total_of_payments": 30428.55, "finance_charge": 3430.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260751A, VIN 1FTFW1EFXGFA69328. $634 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,410, before any dealer documentation fee. Amount financed $26,998, including $1,588 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,429. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FTFW1EFXGFA69328_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25410.0, "price_incl_doc": 25410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 528.12, "amount_financed": 26998.13, "sales_tax": 1588.13, "total_of_payments": 31687.38, "finance_charge": 4689.25, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260751A, VIN 1FTFW1EFXGFA69328. $528 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,410, before any dealer documentation fee. Amount financed $26,998, including $1,588 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,687. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FTFW1EFXGFA69328_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 460, "unit": "per_month", "display": "$460/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25410.0, "price_incl_doc": 25410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 460.16, "amount_financed": 26998.13, "sales_tax": 1588.13, "total_of_payments": 33131.64, "finance_charge": 6133.51, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260751A, VIN 1FTFW1EFXGFA69328. $460 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,410, before any dealer documentation fee. Amount financed $26,998, including $1,588 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,132. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GT19ME76LF188774_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1033, "unit": "per_month", "display": "$1,033/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41410.0, "price_incl_doc": 41410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1033.1, "amount_financed": 43998.13, "sales_tax": 2588.13, "total_of_payments": 49588.59, "finance_charge": 5590.46, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M250545C, VIN 1GT19ME76LF188774. $1,033 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $41,410, before any dealer documentation fee. Amount financed $43,998, including $2,588 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $49,589. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT19ME76LF188774_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 861, "unit": "per_month", "display": "$861/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41410.0, "price_incl_doc": 41410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 860.67, "amount_financed": 43998.13, "sales_tax": 2588.13, "total_of_payments": 51640.07, "finance_charge": 7641.94, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M250545C, VIN 1GT19ME76LF188774. $861 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $41,410, before any dealer documentation fee. Amount financed $43,998, including $2,588 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $51,640. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT19ME76LF188774_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 750, "unit": "per_month", "display": "$750/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41410.0, "price_incl_doc": 41410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.91, "amount_financed": 43998.13, "sales_tax": 2588.13, "total_of_payments": 53993.75, "finance_charge": 9995.62, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M250545C, VIN 1GT19ME76LF188774. $750 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $41,410, before any dealer documentation fee. Amount financed $43,998, including $2,588 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $53,994. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 54410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 54410.0, "price_incl_doc": 54410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1331.08, "amount_financed": 57810.63, "sales_tax": 3400.63, "total_of_payments": 63891.65, "finance_charge": 6081.02, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260306A, VIN 3GTUUGE8XRG237200. $1,331 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $54,410, before any dealer documentation fee. Amount financed $57,811, including $3,401 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $63,892. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GTUUGE8XRG237200_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1104, "unit": "per_month", "display": "$1,104/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 54410.0, "price_incl_doc": 54410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1103.98, "amount_financed": 57810.63, "sales_tax": 3400.63, "total_of_payments": 66239.0, "finance_charge": 8428.37, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260306A, VIN 3GTUUGE8XRG237200. $1,104 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $54,410, before any dealer documentation fee. Amount financed $57,811, including $3,401 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $66,239. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GTUUGE8XRG237200_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 958, "unit": "per_month", "display": "$958/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 54410.0, "price_incl_doc": 54410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 957.82, "amount_financed": 57810.63, "sales_tax": 3400.63, "total_of_payments": 68962.77, "finance_charge": 11152.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260306A, VIN 3GTUUGE8XRG237200. $958 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $54,410, before any dealer documentation fee. Amount financed $57,811, including $3,401 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $68,963. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/GMC/2023-GMC-Sierra-1500-ccf4ac1aac184afd0b43bb2ae7ce8602.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1GTPUJEK5PZ150534.html", "json_url": "https://ai.castlekiamchenry.com/v/1GTPUJEK5PZ150534.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1GTPUJEK5PZ150534.md", "vdp_url": "https://www.castlekiamchenry.com/used/GMC/2023-GMC-Sierra-1500-ccf4ac1aac184afd0b43bb2ae7ce8602.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,710"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41710.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GTPUJEK5PZ150534_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1041, "unit": "per_month", "display": "$1,041/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41710.0, "price_incl_doc": 41710.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1040.58, "amount_financed": 44316.88, "sales_tax": 2606.88, "total_of_payments": 49947.84, "finance_charge": 5630.96, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK193, VIN 1GTPUJEK5PZ150534. $1,041 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $41,710, before any dealer documentation fee. Amount financed $44,317, including $2,607 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $49,948. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GTPUJEK5PZ150534_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 867, "unit": "per_month", "display": "$867/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41710.0, "price_incl_doc": 41710.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 866.9, "amount_financed": 44316.88, "sales_tax": 2606.88, "total_of_payments": 52014.18, "finance_charge": 7697.3, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK193, VIN 1GTPUJEK5PZ150534. $867 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $41,710, before any dealer documentation fee. Amount financed $44,317, including $2,607 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $52,014. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GKKNLLSXPZ168666_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 846, "unit": "per_month", "display": "$846/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33903.0, "price_incl_doc": 33903.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 845.81, "amount_financed": 36021.94, "sales_tax": 2118.94, "total_of_payments": 40598.94, "finance_charge": 4577.0, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260374A, VIN 1GKKNLLSXPZ168666. $846 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,903, before any dealer documentation fee. Amount financed $36,022, including $2,119 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,599. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GKKNLLSXPZ168666_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 705, "unit": "per_month", "display": "$705/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33903.0, "price_incl_doc": 33903.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 704.64, "amount_financed": 36021.94, "sales_tax": 2118.94, "total_of_payments": 42278.51, "finance_charge": 6256.57, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260374A, VIN 1GKKNLLSXPZ168666. $705 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,903, before any dealer documentation fee. Amount financed $36,022, including $2,119 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,279. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GKKNLLSXPZ168666_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33903.0, "price_incl_doc": 33903.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 613.97, "amount_financed": 36021.94, "sales_tax": 2118.94, "total_of_payments": 44205.5, "finance_charge": 8183.56, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260374A, VIN 1GKKNLLSXPZ168666. $614 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,903, before any dealer documentation fee. Amount financed $36,022, including $2,119 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,206. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 106}}, {"vin": "3FA6P0LU4KR258129", "title": "2019 Ford Fusion Hybrid SE", "year": 2019, "make": "Ford", "model": "Fusion Hybrid", "trim": "SE", "decoded_trim": "SE Hybrid", "condition": "used", "price": 15910.0, "msrp": null, "sale_price": 15910.0, "currency": "USD", "mileage": 0, "exterior_color": "White Gold Metallic", "interior_color": "Ebony", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2L i-4 Hybrid", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "eCVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MKK370", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 28, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/c2b7dd6960a64e13b595da89baaae24d.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/c2b7dd6960a64e13b595da89baaae24d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d3f388e7e3394f9dadaf23a8239d8b98.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/285277fd12e440ffb0ec98829fac4f9e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0227d214ea3d4f1b9685e4fca7e9dbb1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9923bf0a18f14e968fef1079b90720eb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c26031e7f550473c837f0b4eb8874404.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b8e302036e344d89ab6b6d6b3a04c688.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6e1cf266f82246c48fb271f7fb57d7a1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/af7498eba7e44459a3284978918288bf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/07a717136ceb4720bb5af266d830d378.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c0548f5d8c744e8c8717d7903f73af77.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/93802798e4284f6fa85de0f39d6e7ccf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a1c4071c8c774d749e2f97f8298ffb97.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a89faff0eaa145ed97d839df6c8af6e1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/430dd31825f44fa9a250e9c3f051de93.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ec9c08f2cc2e4d11a7a1ca161250fafd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48883de1e45e4d01a0fc5f106248d379.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ac05dffd5cb4f7fbb863b6688af75b7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ca7d53c783d74f5daf07a072191807fa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dbaed7ffe33843d99a72b8ec17096177.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f55cb79a14b249fd8da2dc9f119adeb1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5e0960daf8154e688fd263e1b54fb450.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa36ebc1626f44dd868cfdde4b19050d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9aef5bf4dd0240a0aeb44e7e2cd9be71.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1dc147a0cdd54015ad9d734306bf42bc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f99e7067f884923b03d86d07a523680.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a987ccfe8ab144b8808ce3b39e056a9b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c4eae50f1c3c4b50b3c9aeefe8aaae8f.jpg"], "vin_decode": {"make": "Ford", "model": "Fusion", "year": 2019, "trim": "SE Hybrid", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.0L 4-Cylinder In-Line", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3FA6P0LU4KR258129.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2019-Ford-Fusion-Hybrid-bda189d3ac180a40e7072273cd9468d4.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2019-Ford-Fusion-Hybrid-bda189d3ac180a40e7072273cd9468d4.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3FA6P0LU4KR258129.html", "json_url": "https://ai.castlekiamchenry.com/v/3FA6P0LU4KR258129.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3FA6P0LU4KR258129.md", "vdp_url": "https://www.castlekiamchenry.com/used/Ford/2019-Ford-Fusion-Hybrid-bda189d3ac180a40e7072273cd9468d4.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MKK370, VIN 3FA6P0LU4KR258129. Advertised price: $15,910. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$15,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 15910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3FA6P0LU4KR258129_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 397, "unit": "per_month", "display": "$397/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15910.0, "price_incl_doc": 15910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.92, "amount_financed": 16904.38, "sales_tax": 994.38, "total_of_payments": 19052.27, "finance_charge": 2147.89, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK370, VIN 3FA6P0LU4KR258129. $397 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $15,910, before any dealer documentation fee. Amount financed $16,904, including $994 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $19,052. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3FA6P0LU4KR258129_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 331, "unit": "per_month", "display": "$331/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15910.0, "price_incl_doc": 15910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 330.67, "amount_financed": 16904.38, "sales_tax": 994.38, "total_of_payments": 19840.47, "finance_charge": 2936.09, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK370, VIN 3FA6P0LU4KR258129. $331 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $15,910, before any dealer documentation fee. Amount financed $16,904, including $994 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $19,840. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3FA6P0LU4KR258129_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 288, "unit": "per_month", "display": "$288/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15910.0, "price_incl_doc": 15910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 288.12, "amount_financed": 16904.38, "sales_tax": 994.38, "total_of_payments": 20744.76, "finance_charge": 3840.38, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK370, VIN 3FA6P0LU4KR258129. $288 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $15,910, before any dealer documentation fee. Amount financed $16,904, including $994 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $20,745. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/GMC/2025-GMC-Sierra-1500-bda22ce5ac184b703a7f6e3ff0ba1e5f.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3GTNUAED5SG120077.html", "json_url": "https://ai.castlekiamchenry.com/v/3GTNUAED5SG120077.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3GTNUAED5SG120077.md", "vdp_url": "https://www.castlekiamchenry.com/used/GMC/2025-GMC-Sierra-1500-bda22ce5ac184b703a7f6e3ff0ba1e5f.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$38,710"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38710.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GTNUAED5SG120077_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 966, "unit": "per_month", "display": "$966/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38710.0, "price_incl_doc": 38710.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 965.74, "amount_financed": 41129.38, "sales_tax": 2419.38, "total_of_payments": 46355.33, "finance_charge": 5225.95, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7873, VIN 3GTNUAED5SG120077. $966 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,710, before any dealer documentation fee. Amount financed $41,129, including $2,419 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $46,355. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GTNUAED5SG120077_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 805, "unit": "per_month", "display": "$805/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38710.0, "price_incl_doc": 38710.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 804.55, "amount_financed": 41129.38, "sales_tax": 2419.38, "total_of_payments": 48273.05, "finance_charge": 7143.67, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7873, VIN 3GTNUAED5SG120077. $805 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,710, before any dealer documentation fee. Amount financed $41,129, including $2,419 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $48,273. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38710.0, "price_incl_doc": 38710.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.02, "amount_financed": 41129.38, "sales_tax": 2419.38, "total_of_payments": 50473.27, "finance_charge": 9343.89, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7873, VIN 3GTNUAED5SG120077. $701 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $38,710, before any dealer documentation fee. Amount financed $41,129, including $2,419 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $50,473. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 7510.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3FAHP0HA7BR144830_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 187, "unit": "per_month", "display": "$187/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7510.0, "price_incl_doc": 7510.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 187.36, "amount_financed": 7979.38, "sales_tax": 469.38, "total_of_payments": 8993.25, "finance_charge": 1013.87, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2492A, VIN 3FAHP0HA7BR144830. $187 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $7,510, before any dealer documentation fee. Amount financed $7,979, including $469 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $8,993. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3FAHP0HA7BR144830_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 156, "unit": "per_month", "display": "$156/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7510.0, "price_incl_doc": 7510.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 156.09, "amount_financed": 7979.38, "sales_tax": 469.38, "total_of_payments": 9365.3, "finance_charge": 1385.92, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2492A, VIN 3FAHP0HA7BR144830. $156 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $7,510, before any dealer documentation fee. Amount financed $7,979, including $469 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $9,365. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3FAHP0HA7BR144830_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 136, "unit": "per_month", "display": "$136/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7510.0, "price_incl_doc": 7510.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 136.0, "amount_financed": 7979.38, "sales_tax": 469.38, "total_of_payments": 9792.16, "finance_charge": 1812.78, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2492A, VIN 3FAHP0HA7BR144830. $136 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $7,510, before any dealer documentation fee. Amount financed $7,979, including $469 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $9,792. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 120}}, {"vin": "3GTU9DET5MG146381", "title": "2021 GMC Sierra 1500 SLT", "year": 2021, "make": "GMC", "model": "Sierra 1500", "trim": "SLT", "decoded_trim": "SLT", "condition": "used", "price": 33410.0, "msrp": null, "sale_price": 33410.0, "currency": "USD", "mileage": 0, "exterior_color": "Onyx Black", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Diesel", "doors": 4, "seating_capacity": null, "engine": "3L i-6", "engine_displacement_l": 3.0, "engine_cylinders": 6, "transmission": "10-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260333A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260333A, VIN 3GTU9DET5MG146381. Advertised price: $33,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GTU9DET5MG146381_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 834, "unit": "per_month", "display": "$834/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33410.0, "price_incl_doc": 33410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 833.51, "amount_financed": 35498.13, "sales_tax": 2088.13, "total_of_payments": 40008.57, "finance_charge": 4510.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260333A, VIN 3GTU9DET5MG146381. $834 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,410, before any dealer documentation fee. Amount financed $35,498, including $2,088 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,009. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GTU9DET5MG146381_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 694, "unit": "per_month", "display": "$694/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33410.0, "price_incl_doc": 33410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.4, "amount_financed": 35498.13, "sales_tax": 2088.13, "total_of_payments": 41663.72, "finance_charge": 6165.59, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260333A, VIN 3GTU9DET5MG146381. $694 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,410, before any dealer documentation fee. Amount financed $35,498, including $2,088 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,664. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GTU9DET5MG146381_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 605, "unit": "per_month", "display": "$605/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33410.0, "price_incl_doc": 33410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 605.04, "amount_financed": 35498.13, "sales_tax": 2088.13, "total_of_payments": 43562.69, "finance_charge": 8064.56, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260333A, VIN 3GTU9DET5MG146381. $605 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,410, before any dealer documentation fee. Amount financed $35,498, including $2,088 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $43,563. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31410.0, "price_incl_doc": 31410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 652.83, "amount_financed": 33373.13, "sales_tax": 1963.13, "total_of_payments": 39169.64, "finance_charge": 5796.51, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260590A, VIN 3FTTW8M37RRB80556. $653 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,410, before any dealer documentation fee. Amount financed $33,373, including $1,963 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,170. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31410.0, "price_incl_doc": 31410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 568.82, "amount_financed": 33373.13, "sales_tax": 1963.13, "total_of_payments": 40954.93, "finance_charge": 7581.8, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260590A, VIN 3FTTW8M37RRB80556. $569 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,410, before any dealer documentation fee. Amount financed $33,373, including $1,963 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,955. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53410.0, "price_incl_doc": 53410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1332.47, "amount_financed": 56748.13, "sales_tax": 3338.13, "total_of_payments": 63958.62, "finance_charge": 7210.49, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260518A, VIN 1FT8W3BT1KEG01532. $1,332 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $53,410, before any dealer documentation fee. Amount financed $56,748, including $3,338 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $63,959. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FT8W3BT1KEG01532_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1110, "unit": "per_month", "display": "$1,110/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53410.0, "price_incl_doc": 53410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1110.08, "amount_financed": 56748.13, "sales_tax": 3338.13, "total_of_payments": 66604.59, "finance_charge": 9856.46, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260518A, VIN 1FT8W3BT1KEG01532. $1,110 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $53,410, before any dealer documentation fee. Amount financed $56,748, including $3,338 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $66,605. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FT8W3BT1KEG01532_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 967, "unit": "per_month", "display": "$967/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53410.0, "price_incl_doc": 53410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 967.23, "amount_financed": 56748.13, "sales_tax": 3338.13, "total_of_payments": 69640.33, "finance_charge": 12892.2, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260518A, VIN 1FT8W3BT1KEG01532. $967 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $53,410, before any dealer documentation fee. Amount financed $56,748, including $3,338 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $69,640. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 124}}, {"vin": "1GC4YUE72LF143363", "title": "2020 Chevrolet Silverado 3500HD LTZ", "year": 2020, "make": "Chevrolet", "model": "Silverado 3500HD", "trim": "LTZ", "decoded_trim": "LTZ", "condition": "used", "price": 46910.0, "msrp": null, "sale_price": 46910.0, "currency": "USD", "mileage": 0, "exterior_color": "Shadow Gray Metallic", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "6.6L V-8", "engine_displacement_l": 6.6, "engine_cylinders": 8, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MC260662A", "stock_status": null, "availability": "In Stock", "availability_schema": 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$46,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GC4YUE72LF143363_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1170, "unit": "per_month", "display": "$1,170/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46910.0, "price_incl_doc": 46910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1170.31, "amount_financed": 49841.88, "sales_tax": 2931.88, "total_of_payments": 56174.86, "finance_charge": 6332.98, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260662A, VIN 1GC4YUE72LF143363. $1,170 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $46,910, before any dealer documentation fee. Amount financed $49,842, including $2,932 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $56,175. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GC4YUE72LF143363_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 975, "unit": "per_month", "display": "$975/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46910.0, "price_incl_doc": 46910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 974.98, "amount_financed": 49841.88, "sales_tax": 2931.88, "total_of_payments": 58498.81, "finance_charge": 8656.93, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260662A, VIN 1GC4YUE72LF143363. $975 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,910, before any dealer documentation fee. Amount financed $49,842, including $2,932 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $58,499. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GC4YUE72LF143363_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 850, "unit": "per_month", "display": "$850/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46910.0, "price_incl_doc": 46910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 849.52, "amount_financed": 49841.88, "sales_tax": 2931.88, "total_of_payments": 61165.1, "finance_charge": 11323.22, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260662A, VIN 1GC4YUE72LF143363. $850 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $46,910, before any dealer documentation fee. Amount financed $49,842, including $2,932 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $61,165. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 117}}, {"vin": "1FT7W2BN7MEE05122", "title": "2021 Ford F-250SD Lariat", "year": 2021, "make": "Ford", "model": "F-250SD", "trim": "Lariat", "decoded_trim": "F-Series Super Duty - Single Rear Wheel", "condition": "used", "price": 43410.0, "msrp": null, "sale_price": 43410.0, "currency": "USD", "mileage": 0, "exterior_color": "Lithium Gray Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "7.3L V-8", "engine_displacement_l": 7.3, "engine_cylinders": 8, "transmission": "10-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270077A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Ford", "model": "F-250", "year": 2021, "trim": "F-Series Super Duty - Single Rear Wheel", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "7.3L 8-Cylinder V-Shaped", "engine_displacement_l": 7.3, "cylinders": 8, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1FT7W2BN7MEE05122.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2021-Ford-F-250SD-91ea3ab8ac185005b9496b419499fe6d.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2021-Ford-F-250SD-91ea3ab8ac185005b9496b419499fe6d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1FT7W2BN7MEE05122.html", "json_url": "https://ai.castlekiamchenry.com/v/1FT7W2BN7MEE05122.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1FT7W2BN7MEE05122.md", "vdp_url": "https://www.castlekiamchenry.com/used/Ford/2021-Ford-F-250SD-91ea3ab8ac185005b9496b419499fe6d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270077A, VIN 1FT7W2BN7MEE05122. Advertised price: $43,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$43,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FT7W2BN7MEE05122_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1083, "unit": "per_month", "display": "$1,083/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43410.0, "price_incl_doc": 43410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1082.99, "amount_financed": 46123.13, "sales_tax": 2713.13, "total_of_payments": 51983.6, "finance_charge": 5860.47, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270077A, VIN 1FT7W2BN7MEE05122. $1,083 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $43,410, before any dealer documentation fee. Amount financed $46,123, including $2,713 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $51,984. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FT7W2BN7MEE05122_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 902, "unit": "per_month", "display": "$902/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43410.0, "price_incl_doc": 43410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 902.24, "amount_financed": 46123.13, "sales_tax": 2713.13, "total_of_payments": 54134.16, "finance_charge": 8011.03, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270077A, VIN 1FT7W2BN7MEE05122. $902 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $43,410, before any dealer documentation fee. Amount financed $46,123, including $2,713 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $54,134. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FT7W2BN7MEE05122_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 786, "unit": "per_month", "display": "$786/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43410.0, "price_incl_doc": 43410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 786.13, "amount_financed": 46123.13, "sales_tax": 2713.13, "total_of_payments": 56601.51, "finance_charge": 10478.38, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270077A, VIN 1FT7W2BN7MEE05122. $786 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $43,410, before any dealer documentation fee. Amount financed $46,123, including $2,713 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $56,602. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 118}}, {"vin": "1FT8W3B61JEB48358", "title": "2018 Ford F-350SD Lariat", "year": 2018, "make": "Ford", "model": "F-350SD", "trim": "Lariat", "decoded_trim": "Super Duty - Single Rear Wheel", "condition": "used", "price": 38410.0, "msrp": null, "sale_price": 38410.0, "currency": "USD", "mileage": 0, "exterior_color": "Blue Jeans Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Flex Fuel", "doors": null, "seating_capacity": null, "engine": "6.2L V-8", "engine_displacement_l": 6.2, "engine_cylinders": 8, "transmission": "TorqShift 6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260470B", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Ford", "model": "F-350", "year": 2018, "trim": "Super Duty - Single Rear Wheel", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "6.2L 8-Cylinder V-Shaped", "engine_displacement_l": 6.2, "cylinders": 8, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1FT8W3B61JEB48358.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2018-Ford-F-350SD-7304f93cac18083a2914417f00e506a5.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2018-Ford-F-350SD-7304f93cac18083a2914417f00e506a5.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1FT8W3B61JEB48358.html", "json_url": "https://ai.castlekiamchenry.com/v/1FT8W3B61JEB48358.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1FT8W3B61JEB48358.md", "vdp_url": "https://www.castlekiamchenry.com/used/Ford/2018-Ford-F-350SD-7304f93cac18083a2914417f00e506a5.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260470B, VIN 1FT8W3B61JEB48358. Advertised price: $38,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$38,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FT8W3B61JEB48358_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 958, "unit": "per_month", "display": "$958/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38410.0, "price_incl_doc": 38410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 958.25, "amount_financed": 40810.63, "sales_tax": 2400.63, "total_of_payments": 45996.08, "finance_charge": 5185.45, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260470B, VIN 1FT8W3B61JEB48358. $958 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,410, before any dealer documentation fee. Amount financed $40,811, including $2,401 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $45,996. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FT8W3B61JEB48358_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 798, "unit": "per_month", "display": "$798/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38410.0, "price_incl_doc": 38410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 798.32, "amount_financed": 40810.63, "sales_tax": 2400.63, "total_of_payments": 47898.94, "finance_charge": 7088.31, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260470B, VIN 1FT8W3B61JEB48358. $798 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,410, before any dealer documentation fee. Amount financed $40,811, including $2,401 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $47,899. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FT8W3B61JEB48358_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 696, "unit": "per_month", "display": "$696/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38410.0, "price_incl_doc": 38410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 695.58, "amount_financed": 40810.63, "sales_tax": 2400.63, "total_of_payments": 50082.1, "finance_charge": 9271.47, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260470B, VIN 1FT8W3B61JEB48358. $696 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $38,410, before any dealer documentation fee. Amount financed $40,811, including $2,401 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $50,082. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35410.0, "price_incl_doc": 35410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 641.26, "amount_financed": 37623.13, "sales_tax": 2213.13, "total_of_payments": 46170.46, "finance_charge": 8547.33, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7917, VIN 1FMSK8DH5PGB03414. $641 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,410, before any dealer documentation fee. Amount financed $37,623, including $2,213 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $46,170. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GNEVJKS5TJ151546_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1108, "unit": "per_month", "display": "$1,108/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44410.0, "price_incl_doc": 44410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1107.94, "amount_financed": 47185.63, "sales_tax": 2775.63, "total_of_payments": 53181.1, "finance_charge": 5995.47, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260243A, VIN 1GNEVJKS5TJ151546. $1,108 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $44,410, before any dealer documentation fee. Amount financed $47,186, including $2,776 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $53,181. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GNEVJKS5TJ151546_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 923, "unit": "per_month", "display": "$923/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44410.0, "price_incl_doc": 44410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 923.02, "amount_financed": 47185.63, "sales_tax": 2775.63, "total_of_payments": 55381.2, "finance_charge": 8195.57, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260243A, VIN 1GNEVJKS5TJ151546. $923 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $44,410, before any dealer documentation fee. Amount financed $47,186, including $2,776 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $55,381. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GNEVJKS5TJ151546_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 804, "unit": "per_month", "display": "$804/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44410.0, "price_incl_doc": 44410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 804.24, "amount_financed": 47185.63, "sales_tax": 2775.63, "total_of_payments": 57905.39, "finance_charge": 10719.76, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260243A, VIN 1GNEVJKS5TJ151546. $804 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $44,410, before any dealer documentation fee. Amount financed $47,186, including $2,776 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $57,905. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 64810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GB4YSEYXRF440374_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1617, "unit": "per_month", "display": "$1,617/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64810.0, "price_incl_doc": 64810.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1616.88, "amount_financed": 68860.63, "sales_tax": 4050.63, "total_of_payments": 77610.15, "finance_charge": 8749.52, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7882, VIN 1GB4YSEYXRF440374. $1,617 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $64,810, before any dealer documentation fee. Amount financed $68,861, including $4,051 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $77,610. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64810.0, "price_incl_doc": 64810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1347.01, "amount_financed": 68860.63, "sales_tax": 4050.63, "total_of_payments": 80820.89, "finance_charge": 11960.26, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7882, VIN 1GB4YSEYXRF440374. $1,347 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $64,810, before any dealer documentation fee. Amount financed $68,861, including $4,051 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $80,821. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GB4YSEYXRF440374_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1174, "unit": "per_month", "display": "$1,174/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64810.0, "price_incl_doc": 64810.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1173.67, "amount_financed": 68860.63, "sales_tax": 4050.63, "total_of_payments": 84504.58, "finance_charge": 15643.95, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7882, VIN 1GB4YSEYXRF440374. $1,174 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $64,810, before any dealer documentation fee. Amount financed $68,861, including $4,051 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $84,505. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39110.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FTFW3LD8RFA73006_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 976, "unit": "per_month", "display": "$976/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39110.0, "price_incl_doc": 39110.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 975.72, "amount_financed": 41554.38, "sales_tax": 2444.38, "total_of_payments": 46834.34, "finance_charge": 5279.96, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7910, VIN 1FTFW3LD8RFA73006. $976 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,110, before any dealer documentation fee. Amount financed $41,554, including $2,444 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $46,834. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FTFW3LD8RFA73006_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 813, "unit": "per_month", "display": "$813/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39110.0, "price_incl_doc": 39110.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 812.86, "amount_financed": 41554.38, "sales_tax": 2444.38, "total_of_payments": 48771.87, "finance_charge": 7217.49, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7910, VIN 1FTFW3LD8RFA73006. $813 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,110, before any dealer documentation fee. Amount financed $41,554, including $2,444 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $48,772. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FTFW3LD8RFA73006_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 708, "unit": "per_month", "display": "$708/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39110.0, "price_incl_doc": 39110.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 708.26, "amount_financed": 41554.38, "sales_tax": 2444.38, "total_of_payments": 50994.82, "finance_charge": 9440.44, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7910, VIN 1FTFW3LD8RFA73006. $708 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,110, before any dealer documentation fee. Amount financed $41,554, including $2,444 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $50,995. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$58,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 58410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FTFW5LD8SFB49244_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1457, "unit": "per_month", "display": "$1,457/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 58410.0, "price_incl_doc": 58410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1457.21, "amount_financed": 62060.63, "sales_tax": 3650.63, "total_of_payments": 69946.14, "finance_charge": 7885.51, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260500A, VIN 1FTFW5LD8SFB49244. $1,457 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $58,410, before any dealer documentation fee. Amount financed $62,061, including $3,651 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $69,946. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FTFW5LD8SFB49244_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1214, "unit": "per_month", "display": "$1,214/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 58410.0, "price_incl_doc": 58410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1214.0, "amount_financed": 62060.63, "sales_tax": 3650.63, "total_of_payments": 72839.81, "finance_charge": 10779.18, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260500A, VIN 1FTFW5LD8SFB49244. $1,214 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $58,410, before any dealer documentation fee. Amount financed $62,061, including $3,651 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $72,840. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FTFW5LD8SFB49244_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1058, "unit": "per_month", "display": "$1,058/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 58410.0, "price_incl_doc": 58410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1057.77, "amount_financed": 62060.63, "sales_tax": 3650.63, "total_of_payments": 76159.74, "finance_charge": 14099.11, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260500A, VIN 1FTFW5LD8SFB49244. $1,058 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $58,410, before any dealer documentation fee. Amount financed $62,061, including $3,651 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $76,160. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 110}}, {"vin": "KL8CB6SA3NC016496", "title": "2022 Chevrolet Spark LS", "year": 2022, "make": "Chevrolet", "model": "Spark", "trim": "LS", "decoded_trim": "LS", "condition": "used", "price": 14403.0, "msrp": null, "sale_price": 14403.0, "currency": "USD", "mileage": 157000, "exterior_color": "Silver Ice Metallic", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "Hatchback", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "1.4L Other", "engine_displacement_l": 1.4, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7916", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Chevrolet", "model": "Spark", "year": 2022, "trim": "LS", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "1.4L 4-Cylinder In-Line", "engine_displacement_l": 1.4, "cylinders": 4, "drive_type": "FWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KL8CB6SA3NC016496.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2022-Chevrolet-Spark-6d052f2fac18083a2914417f5961166d.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2022-Chevrolet-Spark-6d052f2fac18083a2914417f5961166d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KL8CB6SA3NC016496.html", "json_url": "https://ai.castlekiamchenry.com/v/KL8CB6SA3NC016496.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KL8CB6SA3NC016496.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2022-Chevrolet-Spark-6d052f2fac18083a2914417f5961166d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MCP7916, VIN KL8CB6SA3NC016496. Advertised price: $14,403. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$14,403"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 14403.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KL8CB6SA3NC016496_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 359, "unit": "per_month", "display": "$359/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14403.0, "price_incl_doc": 14403.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 359.33, "amount_financed": 15303.19, "sales_tax": 900.19, "total_of_payments": 17247.63, "finance_charge": 1944.44, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7916, VIN KL8CB6SA3NC016496. $359 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $14,403, before any dealer documentation fee. Amount financed $15,303, including $900 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $17,248. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KL8CB6SA3NC016496_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 299, "unit": "per_month", "display": "$299/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14403.0, "price_incl_doc": 14403.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 299.35, "amount_financed": 15303.19, "sales_tax": 900.19, "total_of_payments": 17961.17, "finance_charge": 2657.98, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7916, VIN KL8CB6SA3NC016496. $299 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $14,403, before any dealer documentation fee. Amount financed $15,303, including $900 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $17,961. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KL8CB6SA3NC016496_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 261, "unit": "per_month", "display": "$261/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14403.0, "price_incl_doc": 14403.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 260.83, "amount_financed": 15303.19, "sales_tax": 900.19, "total_of_payments": 18779.81, "finance_charge": 3476.62, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7916, VIN KL8CB6SA3NC016496. $261 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $14,403, before any dealer documentation fee. Amount financed $15,303, including $900 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $18,780. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chrysler/2023-Chrysler-Pacifica-Hybrid-bda10bd4ac182b914f329186eb519987.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/2C4RC1L7XPR614406.html", "json_url": "https://ai.castlekiamchenry.com/v/2C4RC1L7XPR614406.json", "markdown_url": "https://ai.castlekiamchenry.com/v/2C4RC1L7XPR614406.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chrysler/2023-Chrysler-Pacifica-Hybrid-bda10bd4ac182b914f329186eb519987.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,810"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_2C4RC1L7XPR614406_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 619, "unit": "per_month", "display": "$619/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24810.0, "price_incl_doc": 24810.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 618.96, "amount_financed": 26360.63, "sales_tax": 1550.63, "total_of_payments": 29710.05, "finance_charge": 3349.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2499, VIN 2C4RC1L7XPR614406. $619 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,810, before any dealer documentation fee. Amount financed $26,361, including $1,551 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,710. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2C4RC1L7XPR614406_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 516, "unit": "per_month", "display": "$516/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24810.0, "price_incl_doc": 24810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 515.65, "amount_financed": 26360.63, "sales_tax": 1550.63, "total_of_payments": 30939.15, "finance_charge": 4578.52, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2499, VIN 2C4RC1L7XPR614406. $516 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,810, before any dealer documentation fee. Amount financed $26,361, including $1,551 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,939. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:02Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_2C3CDZFJ9LH247348_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 933, "unit": "per_month", "display": "$933/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37410.0, "price_incl_doc": 37410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 933.3, "amount_financed": 39748.13, "sales_tax": 2338.13, "total_of_payments": 44798.58, "finance_charge": 5050.45, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260309B, VIN 2C3CDZFJ9LH247348. $933 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,410, before any dealer documentation fee. Amount financed $39,748, including $2,338 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $44,799. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2C3CDZFJ9LH247348_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 778, "unit": "per_month", "display": "$778/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37410.0, "price_incl_doc": 37410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 777.53, "amount_financed": 39748.13, "sales_tax": 2338.13, "total_of_payments": 46651.9, "finance_charge": 6903.77, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260309B, VIN 2C3CDZFJ9LH247348. $778 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,410, before any dealer documentation fee. Amount financed $39,748, including $2,338 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,652. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2C3CDZFJ9LH247348_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 677, "unit": "per_month", "display": "$677/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37410.0, "price_incl_doc": 37410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 677.48, "amount_financed": 39748.13, "sales_tax": 2338.13, "total_of_payments": 48778.22, "finance_charge": 9030.09, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260309B, VIN 2C3CDZFJ9LH247348. $677 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,410, before any dealer documentation fee. Amount financed $39,748, including $2,338 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $48,778. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2021-Ford-Bronco-Sport-3e3f26e6ac1809e136d79eb2d4c250d1.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3FMCR9C69MRA68922.html", "json_url": "https://ai.castlekiamchenry.com/v/3FMCR9C69MRA68922.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3FMCR9C69MRA68922.md", "vdp_url": "https://www.castlekiamchenry.com/used/Ford/2021-Ford-Bronco-Sport-3e3f26e6ac1809e136d79eb2d4c250d1.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$25,210"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3FMCR9C69MRA68922_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 629, "unit": "per_month", "display": "$629/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25210.0, "price_incl_doc": 25210.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 628.94, "amount_financed": 26785.63, "sales_tax": 1575.63, "total_of_payments": 30189.05, "finance_charge": 3403.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260458A, VIN 3FMCR9C69MRA68922. $629 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,210, before any dealer documentation fee. Amount financed $26,786, including $1,576 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,189. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3FMCR9C69MRA68922_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25210.0, "price_incl_doc": 25210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.97, "amount_financed": 26785.63, "sales_tax": 1575.63, "total_of_payments": 31437.97, "finance_charge": 4652.34, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260458A, VIN 3FMCR9C69MRA68922. $524 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,210, before any dealer documentation fee. Amount financed $26,786, including $1,576 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,438. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3FMCR9C69MRA68922_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 457, "unit": "per_month", "display": "$457/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25210.0, "price_incl_doc": 25210.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 456.54, "amount_financed": 26785.63, "sales_tax": 1575.63, "total_of_payments": 32870.86, "finance_charge": 6085.23, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260458A, VIN 3FMCR9C69MRA68922. $457 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,210, before any dealer documentation fee. Amount financed $26,786, including $1,576 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $32,871. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FM5K8GC1PGB31921_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1022, "unit": "per_month", "display": "$1,022/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FM5K8GC1PGB31921_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 852, "unit": "per_month", "display": "$852/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40977.0, "price_incl_doc": 40977.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 851.67, "amount_financed": 43538.06, "sales_tax": 2561.06, "total_of_payments": 51100.09, "finance_charge": 7562.03, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260513A, VIN 1FM5K8GC1PGB31921. $852 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $40,977, before any dealer documentation fee. Amount financed $43,538, including $2,561 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $51,100. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FM5K8GC1PGB31921_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 742, "unit": "per_month", "display": "$742/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40977.0, "price_incl_doc": 40977.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 742.07, "amount_financed": 43538.06, "sales_tax": 2561.06, "total_of_payments": 53429.16, "finance_charge": 9891.1, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260513A, VIN 1FM5K8GC1PGB31921. $742 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $40,977, before any dealer documentation fee. Amount financed $43,538, including $2,561 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $53,429. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$64,810"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 64810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GB4YSEY3RF440202_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1617, "unit": "per_month", "display": "$1,617/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64810.0, "price_incl_doc": 64810.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1616.88, "amount_financed": 68860.63, "sales_tax": 4050.63, "total_of_payments": 77610.15, "finance_charge": 8749.52, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7881, VIN 1GB4YSEY3RF440202. $1,617 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $64,810, before any dealer documentation fee. Amount financed $68,861, including $4,051 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $77,610. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GB4YSEY3RF440202_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1347, "unit": "per_month", "display": "$1,347/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64810.0, "price_incl_doc": 64810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1347.01, "amount_financed": 68860.63, "sales_tax": 4050.63, "total_of_payments": 80820.89, "finance_charge": 11960.26, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7881, VIN 1GB4YSEY3RF440202. $1,347 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $64,810, before any dealer documentation fee. Amount financed $68,861, including $4,051 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $80,821. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GB4YSEY3RF440202_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1174, "unit": "per_month", "display": "$1,174/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64810.0, "price_incl_doc": 64810.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1173.67, "amount_financed": 68860.63, "sales_tax": 4050.63, "total_of_payments": 84504.58, "finance_charge": 15643.95, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7881, VIN 1GB4YSEY3RF440202. $1,174 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $64,810, before any dealer documentation fee. Amount financed $68,861, including $4,051 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $84,505. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3FMCR9C61MRA67070_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 624, "unit": "per_month", "display": "$624/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25010.0, "price_incl_doc": 25010.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 623.95, "amount_financed": 26573.13, "sales_tax": 1563.13, "total_of_payments": 29949.55, "finance_charge": 3376.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260435B, VIN 3FMCR9C61MRA67070. $624 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,010, before any dealer documentation fee. Amount financed $26,573, including $1,563 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,950. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3FMCR9C61MRA67070_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 520, "unit": "per_month", "display": "$520/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25010.0, "price_incl_doc": 25010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 519.81, "amount_financed": 26573.13, "sales_tax": 1563.13, "total_of_payments": 31188.56, "finance_charge": 4615.43, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260435B, VIN 3FMCR9C61MRA67070. $520 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,010, before any dealer documentation fee. Amount financed $26,573, including $1,563 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,189. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3FMCR9C61MRA67070_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 453, "unit": "per_month", "display": "$453/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25010.0, "price_incl_doc": 25010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 452.92, "amount_financed": 26573.13, "sales_tax": 1563.13, "total_of_payments": 32610.09, "finance_charge": 6036.96, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260435B, VIN 3FMCR9C61MRA67070. $453 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,010, before any dealer documentation fee. Amount financed $26,573, including $1,563 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $32,610. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 106}}, {"vin": "1FDXE4FN9MDC38336", "title": "2021 Ford E-450SD Base", "year": 2021, "make": "Ford", "model": "E-450SD", "trim": "Base", "decoded_trim": "Econoline", "condition": "used", "price": 29910.0, "msrp": null, "sale_price": 29910.0, "currency": "USD", "mileage": 0, "exterior_color": "Oxford White", "interior_color": "Medium Flint", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "7.3L V-8", "engine_displacement_l": 7.3, "engine_cylinders": 8, "transmission": "6-Speed Automatic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7898", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/62d0e18a45e648c6b7df258cc9392160.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/62d0e18a45e648c6b7df258cc9392160.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9544dac3b1548e28892a1eec082456a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1727acee1697414a9bf09866fd38c395.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/335347012287401b8441771fec7b164a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/828362b98ae64e48848ab90471fec075.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f3607760353f4750b7b30e3cfadabe4a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/795805d1192147dfaf6f5008c068e848.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/de37a0bdfb2e4ddf9ef59936d07df947.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/92ef4cf9f6514fc3a879b9777e07669e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4c4d8b625f844bfebab5d9f5aa6600e8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0f6c3cf336a242869aad612f7a788172.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/418c3a7e5f98417891507bc9c2204285.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f3f6f1714b844616b6c5c577a829b231.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ab6d7837635418fb63fa99b9e603d2f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fc6482d542a64ee38b7ad3eea2a45e93.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0d3b1c2e2d8642719e49121489cbe9f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3d94257ef678460c81a163d148a4a61e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/17d1dfaa2c884506b256a2fc346f5b17.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b01050a962b94e7abaaafea5b612e2c8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/03b8e8a2a26542ae96bb1fadaa773753.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/52236f1724e84d45a95c747ebc4363f3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8f13b7029f144574bc2aa9b4fa1796df.jpg"], "vin_decode": {"make": "Ford", "model": "E-450", "year": 2021, "trim": "Econoline", "body_style": "Incomplete - Cutaway", "vehicle_type": "INCOMPLETE VEHICLE", "engine": "7.3L 8-Cylinder V-Shaped", "engine_displacement_l": 7.3, "cylinders": 8, "drive_type": null, "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1FDXE4FN9MDC38336.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2021-Ford-E-450SD-00946557ac184abdfb3c758d9f998b03.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2021-Ford-E-450SD-00946557ac184abdfb3c758d9f998b03.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1FDXE4FN9MDC38336.html", "json_url": "https://ai.castlekiamchenry.com/v/1FDXE4FN9MDC38336.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1FDXE4FN9MDC38336.md", "vdp_url": "https://www.castlekiamchenry.com/used/Ford/2021-Ford-E-450SD-00946557ac184abdfb3c758d9f998b03.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MCP7898, VIN 1FDXE4FN9MDC38336. Advertised price: $29,910. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FDXE4FN9MDC38336_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 746, "unit": "per_month", "display": "$746/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29910.0, "price_incl_doc": 29910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 746.19, "amount_financed": 31779.38, "sales_tax": 1869.38, "total_of_payments": 35817.31, "finance_charge": 4037.93, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7898, VIN 1FDXE4FN9MDC38336. $746 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,910, before any dealer documentation fee. Amount financed $31,779, including $1,869 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,817. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FDXE4FN9MDC38336_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 622, "unit": "per_month", "display": "$622/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29910.0, "price_incl_doc": 29910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 621.65, "amount_financed": 31779.38, "sales_tax": 1869.38, "total_of_payments": 37299.07, "finance_charge": 5519.69, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7898, VIN 1FDXE4FN9MDC38336. $622 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,910, before any dealer documentation fee. Amount financed $31,779, including $1,869 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,299. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29910.0, "price_incl_doc": 29910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 541.65, "amount_financed": 31779.38, "sales_tax": 1869.38, "total_of_payments": 38999.11, "finance_charge": 7219.73, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7898, VIN 1FDXE4FN9MDC38336. $542 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,910, before any dealer documentation fee. Amount financed $31,779, including $1,869 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $38,999. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 20210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20210.0, "price_incl_doc": 20210.0, "doc_fee": null, "down_payment": 0.0, "term": 36, "apr": 0.0, "tax_rate": 0.0625, "zip": "60050", "program_code": "2025 CHEVROLET Trax", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 596.48, "amount_financed": 21473.13, "sales_tax": 1263.13, "total_of_payments": 21473.13, "finance_charge": 0.0, "per_1000_financed": 27.78, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260485A, VIN KL77LFEP3SC138967. $596 per month for 36 months at 0% APR, $0 cash down. Advertised price $20,210, before any dealer documentation fee. Amount financed $21,473, including $1,263 estimated sales tax at 6.25%. That is $27.78 per $1,000 financed. Total of payments $21,473. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KL77LFEP3SC138967_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 410, "unit": "per_month", "display": "$410/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20210.0, "price_incl_doc": 20210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 410.06, "amount_financed": 21473.13, "sales_tax": 1263.13, "total_of_payments": 24603.76, "finance_charge": 3130.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260485A, VIN KL77LFEP3SC138967. $410 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $20,210, before any dealer documentation fee. Amount financed $21,473, including $1,263 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $24,604. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KL77LFEP3SC138967_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 356, "unit": "per_month", "display": "$356/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20210.0, "price_incl_doc": 20210.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 355.77, "amount_financed": 21473.13, "sales_tax": 1263.13, "total_of_payments": 25615.47, "finance_charge": 4142.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260485A, VIN KL77LFEP3SC138967. $356 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $20,210, before any dealer documentation fee. Amount financed $21,473, including $1,263 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $25,615. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2C4RC1BG0PR601651_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 424, "unit": "per_month", "display": "$424/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20410.0, "price_incl_doc": 20410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 424.2, "amount_financed": 21685.63, "sales_tax": 1275.63, "total_of_payments": 25452.16, "finance_charge": 3766.53, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2481, VIN 2C4RC1BG0PR601651. $424 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $20,410, before any dealer documentation fee. Amount financed $21,686, including $1,276 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $25,452. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2C4RC1BG0PR601651_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 370, "unit": "per_month", "display": "$370/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20410.0, "price_incl_doc": 20410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 369.61, "amount_financed": 21685.63, "sales_tax": 1275.63, "total_of_payments": 26612.23, "finance_charge": 4926.6, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2481, VIN 2C4RC1BG0PR601651. $370 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $20,410, before any dealer documentation fee. Amount financed $21,686, including $1,276 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $26,612. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GCUDHE8XRG134395_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1270, "unit": "per_month", "display": "$1,270/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50910.0, "price_incl_doc": 50910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1270.1, "amount_financed": 54091.88, "sales_tax": 3181.88, "total_of_payments": 60964.87, "finance_charge": 6872.99, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260421A, VIN 3GCUDHE8XRG134395. $1,270 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $50,910, before any dealer documentation fee. Amount financed $54,092, including $3,182 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $60,965. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GCUDHE8XRG134395_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1058, "unit": "per_month", "display": "$1,058/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50910.0, "price_incl_doc": 50910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1058.12, "amount_financed": 54091.88, "sales_tax": 3181.88, "total_of_payments": 63486.98, "finance_charge": 9395.1, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260421A, VIN 3GCUDHE8XRG134395. $1,058 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $50,910, before any dealer documentation fee. Amount financed $54,092, including $3,182 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $63,487. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GCUDHE8XRG134395_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 922, "unit": "per_month", "display": "$922/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50910.0, "price_incl_doc": 50910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 921.95, "amount_financed": 54091.88, "sales_tax": 3181.88, "total_of_payments": 66380.62, "finance_charge": 12288.74, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260421A, VIN 3GCUDHE8XRG134395. $922 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $50,910, before any dealer documentation fee. Amount financed $54,092, including $3,182 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $66,381. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chrysler/2024-Chrysler-Voyager-fbbbcdacac1823d859b5afae9899fa8f.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/2C4RC1CG8RR112853.html", "json_url": "https://ai.castlekiamchenry.com/v/2C4RC1CG8RR112853.json", "markdown_url": "https://ai.castlekiamchenry.com/v/2C4RC1CG8RR112853.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chrysler/2024-Chrysler-Voyager-fbbbcdacac1823d859b5afae9899fa8f.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$22,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_2C4RC1CG8RR112853_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 572, "unit": "per_month", "display": "$572/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22910.0, "price_incl_doc": 22910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 571.56, "amount_financed": 24341.88, "sales_tax": 1431.88, "total_of_payments": 27434.79, "finance_charge": 3092.91, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7899, VIN 2C4RC1CG8RR112853. $572 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,910, before any dealer documentation fee. Amount financed $24,342, including $1,432 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,435. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2C4RC1CG8RR112853_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 476, "unit": "per_month", "display": "$476/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22910.0, "price_incl_doc": 22910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 476.16, "amount_financed": 24341.88, "sales_tax": 1431.88, "total_of_payments": 28569.77, "finance_charge": 4227.89, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7899, VIN 2C4RC1CG8RR112853. $476 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,910, before any dealer documentation fee. Amount financed $24,342, including $1,432 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,570. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2C4RC1CG8RR112853_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 415, "unit": "per_month", "display": "$415/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22910.0, "price_incl_doc": 22910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 414.89, "amount_financed": 24341.88, "sales_tax": 1431.88, "total_of_payments": 29871.94, "finance_charge": 5530.06, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7899, VIN 2C4RC1CG8RR112853. $415 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,910, before any dealer documentation fee. Amount financed $24,342, including $1,432 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,872. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MCK194, VIN 1GCUYEEL5MZ442543. Advertised price: $39,613. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,613"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39613.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GCUYEEL5MZ442543_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 988, "unit": "per_month", "display": "$988/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39613.0, "price_incl_doc": 39613.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 988.26, "amount_financed": 42088.81, "sales_tax": 2475.81, "total_of_payments": 47436.67, "finance_charge": 5347.86, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK194, VIN 1GCUYEEL5MZ442543. $988 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,613, before any dealer documentation fee. Amount financed $42,089, including $2,476 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $47,437. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCUYEEL5MZ442543_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 823, "unit": "per_month", "display": "$823/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39613.0, "price_incl_doc": 39613.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 823.32, "amount_financed": 42088.81, "sales_tax": 2475.81, "total_of_payments": 49399.13, "finance_charge": 7310.32, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK194, VIN 1GCUYEEL5MZ442543. $823 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,613, before any dealer documentation fee. Amount financed $42,089, including $2,476 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $49,399. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCUYEEL5MZ442543_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 717, "unit": "per_month", "display": "$717/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39613.0, "price_incl_doc": 39613.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 717.37, "amount_financed": 42088.81, "sales_tax": 2475.81, "total_of_payments": 51650.66, "finance_charge": 9561.85, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK194, VIN 1GCUYEEL5MZ442543. $717 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,613, before any dealer documentation fee. Amount financed $42,089, including $2,476 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $51,651. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 89}}, {"vin": "1GCUYGEL6KZ366193", "title": "2019 Chevrolet Silverado 1500 LTZ", "year": 2019, "make": "Chevrolet", "model": "Silverado 1500", "trim": "LTZ", "decoded_trim": "LTZ", "condition": "used", "price": 30410.0, "msrp": null, "sale_price": 30410.0, "currency": "USD", "mileage": 0, "exterior_color": "Black", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "6.2L V-8", "engine_displacement_l": 6.2, "engine_cylinders": 8, "transmission": "10-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MC260723B", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Chevrolet", "model": "Silverado", "year": 2019, "trim": "LTZ", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "6.2L 8-Cylinder V-Shaped", "engine_displacement_l": 6.2, "cylinders": 8, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1GCUYGEL6KZ366193.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2019-Chevrolet-Silverado-1500-6ddfc108ac18221a7f70d51e8ef40453.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2019-Chevrolet-Silverado-1500-6ddfc108ac18221a7f70d51e8ef40453.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1GCUYGEL6KZ366193.html", "json_url": "https://ai.castlekiamchenry.com/v/1GCUYGEL6KZ366193.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1GCUYGEL6KZ366193.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2019-Chevrolet-Silverado-1500-6ddfc108ac18221a7f70d51e8ef40453.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MC260723B, VIN 1GCUYGEL6KZ366193. Advertised price: $30,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GCUYGEL6KZ366193_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 759, "unit": "per_month", "display": "$759/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30410.0, "price_incl_doc": 30410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.67, "amount_financed": 32310.63, "sales_tax": 1900.63, "total_of_payments": 36416.06, "finance_charge": 4105.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260723B, VIN 1GCUYGEL6KZ366193. $759 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,410, before any dealer documentation fee. Amount financed $32,311, including $1,901 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,416. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCUYGEL6KZ366193_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 632, "unit": "per_month", "display": "$632/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30410.0, "price_incl_doc": 30410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.04, "amount_financed": 32310.63, "sales_tax": 1900.63, "total_of_payments": 37922.59, "finance_charge": 5611.96, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260723B, VIN 1GCUYGEL6KZ366193. $632 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,410, before any dealer documentation fee. Amount financed $32,311, including $1,901 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,923. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCUYGEL6KZ366193_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 551, "unit": "per_month", "display": "$551/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30410.0, "price_incl_doc": 30410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 550.71, "amount_financed": 32310.63, "sales_tax": 1900.63, "total_of_payments": 39651.05, "finance_charge": 7340.42, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260723B, VIN 1GCUYGEL6KZ366193. $551 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,410, before any dealer documentation fee. Amount financed $32,311, including $1,901 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,651. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2023-Chevrolet-Tahoe-d741752dac185d4ec22c0a380c323925.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1GNSKPKD5PR552893.html", "json_url": "https://ai.castlekiamchenry.com/v/1GNSKPKD5PR552893.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1GNSKPKD5PR552893.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2023-Chevrolet-Tahoe-d741752dac185d4ec22c0a380c323925.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$61,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 61410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 61410.0, "price_incl_doc": 61410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1276.35, "amount_financed": 65248.13, "sales_tax": 3838.13, "total_of_payments": 76580.94, "finance_charge": 11332.81, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260412A, VIN 1GNSKPKD5PR552893. $1,276 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $61,410, before any dealer documentation fee. Amount financed $65,248, including $3,838 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $76,581. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GCUYEED4LG176214_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 574, "unit": "per_month", "display": "$574/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32410.0, "price_incl_doc": 32410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.0, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 CHEVROLET Silverado 1500", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 573.93, "amount_financed": 34435.63, "sales_tax": 2025.63, "total_of_payments": 34435.63, "finance_charge": 0.0, "per_1000_financed": 16.67, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSK273, VIN 3GCUYEED4LG176214. $574 per month for 60 months at 0% APR, $0 cash down. Advertised price $32,410, before any dealer documentation fee. Amount financed $34,436, including $2,026 estimated sales tax at 6.25%. That is $16.67 per $1,000 financed. Total of payments $34,436. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 54410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 54410.0, "price_incl_doc": 54410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1130.86, "amount_financed": 57810.63, "sales_tax": 3400.63, "total_of_payments": 67851.64, "finance_charge": 10041.01, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260229A, VIN 3GCUKFED7SG246925. $1,131 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $54,410, before any dealer documentation fee. Amount financed $57,811, including $3,401 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $67,852. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41910.0, "price_incl_doc": 41910.0, "doc_fee": null, "down_payment": 0.0, "term": 36, "apr": 0.9, "tax_rate": 0.0625, "zip": "60050", "program_code": "2025 CHEVROLET Silverado 1500", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1254.16, "amount_financed": 44529.38, "sales_tax": 2619.38, "total_of_payments": 45149.93, "finance_charge": 620.55, "per_1000_financed": 28.16, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260223A, VIN 3GCUDCED0RG150847. $1,254 per month for 36 months at 0.9% APR, $0 cash down. Advertised price $41,910, before any dealer documentation fee. Amount financed $44,529, including $2,619 estimated sales tax at 6.25%. That is $28.16 per $1,000 financed. Total of payments $45,150. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41910.0, "price_incl_doc": 41910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.0, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 CHEVROLET Silverado 1500", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 742.16, "amount_financed": 44529.38, "sales_tax": 2619.38, "total_of_payments": 44529.38, "finance_charge": 0.0, "per_1000_financed": 16.67, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260223A, VIN 3GCUDCED0RG150847. $742 per month for 60 months at 0% APR, $0 cash down. Advertised price $41,910, before any dealer documentation fee. Amount financed $44,529, including $2,619 estimated sales tax at 6.25%. That is $16.67 per $1,000 financed. Total of payments $44,529. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$22,390"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1G1ZD5STXSF144888_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 559, "unit": "per_month", "display": "$559/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22390.0, "price_incl_doc": 22390.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 558.59, "amount_financed": 23789.38, "sales_tax": 1399.38, "total_of_payments": 26812.09, "finance_charge": 3022.71, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7919, VIN 1G1ZD5STXSF144888. $559 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,390, before any dealer documentation fee. Amount financed $23,789, including $1,399 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,812. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1ZD5STXSF144888_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 465, "unit": "per_month", "display": "$465/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22390.0, "price_incl_doc": 22390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 465.36, "amount_financed": 23789.38, "sales_tax": 1399.38, "total_of_payments": 27921.31, "finance_charge": 4131.93, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7919, VIN 1G1ZD5STXSF144888. $465 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,390, before any dealer documentation fee. Amount financed $23,789, including $1,399 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,921. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1ZD5STXSF144888_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 405, "unit": "per_month", "display": "$405/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35410.0, "price_incl_doc": 35410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 883.41, "amount_financed": 37623.13, "sales_tax": 2213.13, "total_of_payments": 42403.58, "finance_charge": 4780.45, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7895, VIN 1GCPDDEK7PZ259532. $883 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,410, before any dealer documentation fee. Amount financed $37,623, including $2,213 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $42,404. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCPDDEK7PZ259532_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 736, "unit": "per_month", "display": "$736/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35410.0, "price_incl_doc": 35410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 735.96, "amount_financed": 37623.13, "sales_tax": 2213.13, "total_of_payments": 44157.81, "finance_charge": 6534.68, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7895, VIN 1GCPDDEK7PZ259532. $736 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,410, before any dealer documentation fee. Amount financed $37,623, including $2,213 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $44,158. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35410.0, "price_incl_doc": 35410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 641.26, "amount_financed": 37623.13, "sales_tax": 2213.13, "total_of_payments": 46170.46, "finance_charge": 8547.33, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7895, VIN 1GCPDDEK7PZ259532. $641 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,410, before any dealer documentation fee. Amount financed $37,623, including $2,213 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $46,170. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40203.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GCPYFED6MG479144_finance_36", "type": "finance_36", "label": "Finance", "headline": {"value": 1203, "unit": "per_month", "display": "$1,203/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40203.0, "price_incl_doc": 40203.0, "doc_fee": null, "down_payment": 0.0, "term": 36, "apr": 0.9, "tax_rate": 0.0625, "zip": "60050", "program_code": "2025 CHEVROLET Silverado 1500", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1203.08, "amount_financed": 42715.69, "sales_tax": 2512.69, "total_of_payments": 43310.96, "finance_charge": 595.27, "per_1000_financed": 28.16, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260615A, VIN 3GCPYFED6MG479144. $1,203 per month for 36 months at 0.9% APR, $0 cash down. Advertised price $40,203, before any dealer documentation fee. Amount financed $42,716, including $2,513 estimated sales tax at 6.25%. That is $28.16 per $1,000 financed. Total of payments $43,311. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GCPYFED6MG479144_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 712, "unit": "per_month", "display": "$712/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40203.0, "price_incl_doc": 40203.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.0, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 CHEVROLET Silverado 1500", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 711.93, "amount_financed": 42715.69, "sales_tax": 2512.69, "total_of_payments": 42715.69, "finance_charge": 0.0, "per_1000_financed": 16.67, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260615A, VIN 3GCPYFED6MG479144. $712 per month for 60 months at 0% APR, $0 cash down. Advertised price $40,203, before any dealer documentation fee. Amount financed $42,716, including $2,513 estimated sales tax at 6.25%. That is $16.67 per $1,000 financed. Total of payments $42,716. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 2, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 151}}, {"vin": "3GNKBHR46RS128439", "title": "2024 Chevrolet Blazer LT", "year": 2024, "make": "Chevrolet", "model": "Blazer", "trim": "LT", "decoded_trim": "2LT", "condition": "used", "price": 28410.0, "msrp": null, "sale_price": 28410.0, "currency": "USD", "mileage": 32000, "exterior_color": "Sterling Gray Metallic", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L Other", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "9-Speed Automatic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7870", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 31, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/9f4e996546b24b1aa437a601e0929d40.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/9f4e996546b24b1aa437a601e0929d40.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a3148c106cdb450f889bd8bc43993fdf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7e2ab6ebea5b44bfaa2d026efca8c96d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd99f1cc414e47ecb471c3929929f606.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0b250499b6d14e18b41b89d7f9161de5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c01204baa6cf436382be4547b5acc1ae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b870f05aeb16467289a406d005bdc9d8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c069e572025e4d059744a5f2b070f815.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c84dc11b799d416b9239cb7d37b2b0d7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/61b9f1dc83164fa7bd56bc345e5e0e83.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a3f775a260514711a2431f08297762eb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6782d2fb358a425585d49c63225e4fec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f4409e4a12034f4ca89cbd33c4b7089a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/35423bf5aaad4708b5d836a2056808fb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0ab581164b104f5e870b5784e6ac8b7b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4953649883d1469bb9e36ff58d5242fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2e2deab5af3b422192eaa966c4333742.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e738a177e2ae475a93207874fb7502d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/864679e7e5a94d469a67d5874ce74c35.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd2702fe19744ef5aa72da570d267577.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/75233066397941ce8b0d5659fe4a804c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/29d948abd95344ff857bda6b5103eddc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/23cfdb195a75474299728dc79c11612b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7302f74e7c16449ab621a4d65df3fb15.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/09291bbdeea549d59fde6335f240a4e0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/766f66a5b5394992b4c4ef67d551695e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/10d0cb55c533496cbb6c2b59518e97b2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0b2c1705b0b840febbe8eec7ba3f9ecb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/38f0c9c8382e4a6ea157360e0066c9d0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/615ba6694e894f3b8a932dddecc5f8f8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c18ceae347db4e7294c015ae6572f90a.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Blazer", "year": 2024, "trim": "2LT", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder In-Line", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3GNKBHR46RS128439.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2024-Chevrolet-Blazer-bda1ff01ac184b703a7f6e3f4065771d.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2024-Chevrolet-Blazer-bda1ff01ac184b703a7f6e3f4065771d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3GNKBHR46RS128439.html", "json_url": "https://ai.castlekiamchenry.com/v/3GNKBHR46RS128439.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3GNKBHR46RS128439.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2024-Chevrolet-Blazer-bda1ff01ac184b703a7f6e3f4065771d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MCP7870, VIN 3GNKBHR46RS128439. Advertised price: $28,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GNKBHR46RS128439_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 708.77, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 34021.06, "finance_charge": 3835.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7870, VIN 3GNKBHR46RS128439. $709 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,021. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GNKBHR46RS128439_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 590, "unit": "per_month", "display": "$590/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 590.48, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 35428.51, "finance_charge": 5242.88, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7870, VIN 3GNKBHR46RS128439. $590 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,429. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GNKBHR46RS128439_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 514, "unit": "per_month", "display": "$514/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28410.0, "price_incl_doc": 28410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 514.49, "amount_financed": 30185.63, "sales_tax": 1775.63, "total_of_payments": 37043.28, "finance_charge": 6857.65, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7870, VIN 3GNKBHR46RS128439. $514 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,410, before any dealer documentation fee. Amount financed $30,186, including $1,776 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,043. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$46,210"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GCPKKEK8SZ138933_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1153, "unit": "per_month", "display": "$1,153/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46210.0, "price_incl_doc": 46210.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1152.85, "amount_financed": 49098.13, "sales_tax": 2888.13, "total_of_payments": 55336.6, "finance_charge": 6238.47, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7906, VIN 1GCPKKEK8SZ138933. $1,153 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $46,210, before any dealer documentation fee. Amount financed $49,098, including $2,888 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $55,337. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCPKKEK8SZ138933_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 960, "unit": "per_month", "display": "$960/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46210.0, "price_incl_doc": 46210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 960.43, "amount_financed": 49098.13, "sales_tax": 2888.13, "total_of_payments": 57625.88, "finance_charge": 8527.75, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7906, VIN 1GCPKKEK8SZ138933. $960 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,210, before any dealer documentation fee. Amount financed $49,098, including $2,888 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $57,626. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46210.0, "price_incl_doc": 46210.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 836.84, "amount_financed": 49098.13, "sales_tax": 2888.13, "total_of_payments": 60252.38, "finance_charge": 11154.25, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7906, VIN 1GCPKKEK8SZ138933. $837 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $46,210, before any dealer documentation fee. Amount financed $49,098, including $2,888 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $60,252. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 11410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1G1ZD5ST1KF147484_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 279, "unit": "per_month", "display": "$279/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 11410.0, "price_incl_doc": 11410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 279.13, "amount_financed": 12123.13, "sales_tax": 713.13, "total_of_payments": 13398.35, "finance_charge": 1275.22, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSK277, VIN 1G1ZD5ST1KF147484. $279 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $11,410, before any dealer documentation fee. Amount financed $12,123, including $713 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $13,398. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1ZD5ST1KF147484_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 232, "unit": "per_month", "display": "$232/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 11410.0, "price_incl_doc": 11410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 231.51, "amount_financed": 12123.13, "sales_tax": 713.13, "total_of_payments": 13890.6, "finance_charge": 1767.47, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSK277, VIN 1G1ZD5ST1KF147484. $232 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $11,410, before any dealer documentation fee. Amount financed $12,123, including $713 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $13,891. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1ZD5ST1KF147484_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 201, "unit": "per_month", "display": "$201/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 11410.0, "price_incl_doc": 11410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 200.86, "amount_financed": 12123.13, "sales_tax": 713.13, "total_of_payments": 14461.78, "finance_charge": 2338.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSK277, VIN 1G1ZD5ST1KF147484. $201 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $11,410, before any dealer documentation fee. Amount financed $12,123, including $713 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $14,462. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 185}}, {"vin": "1GCUKJED4SZ165237", "title": "2025 Chevrolet Silverado 1500 High Country", "year": 2025, "make": "Chevrolet", "model": "Silverado 1500", "trim": "High Country", "decoded_trim": "High Country", "condition": "used", "price": 57910.0, "msrp": null, "sale_price": 57910.0, "currency": "USD", "mileage": 0, "exterior_color": "Crystal White Tricoat", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "5.3L V-8", "engine_displacement_l": 5.3, "engine_cylinders": 8, "transmission": "10-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260459A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025CHT27_640/2025CHT272037032_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025CHT27_640/2025CHT272037032_640_01.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Silverado", "year": 2025, "trim": "High Country", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "5.3L 8-Cylinder", "engine_displacement_l": 5.3, "cylinders": 8, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1GCUKJED4SZ165237.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2025-Chevrolet-Silverado-1500-50412014ac1802934a2c939fe4292c12.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2025-Chevrolet-Silverado-1500-50412014ac1802934a2c939fe4292c12.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1GCUKJED4SZ165237.html", "json_url": "https://ai.castlekiamchenry.com/v/1GCUKJED4SZ165237.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1GCUKJED4SZ165237.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2025-Chevrolet-Silverado-1500-50412014ac1802934a2c939fe4292c12.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260459A, VIN 1GCUKJED4SZ165237. Advertised price: $57,910. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$57,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GCUKJED4SZ165237_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1445, "unit": "per_month", "display": "$1,445/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57910.0, "price_incl_doc": 57910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1444.74, "amount_financed": 61529.38, "sales_tax": 3619.38, "total_of_payments": 69347.39, "finance_charge": 7818.01, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260459A, VIN 1GCUKJED4SZ165237. $1,445 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $57,910, before any dealer documentation fee. Amount financed $61,529, including $3,619 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $69,347. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCUKJED4SZ165237_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1204, "unit": "per_month", "display": "$1,204/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57910.0, "price_incl_doc": 57910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1203.6, "amount_financed": 61529.38, "sales_tax": 3619.38, "total_of_payments": 72216.29, "finance_charge": 10686.91, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260459A, VIN 1GCUKJED4SZ165237. $1,204 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $57,910, before any dealer documentation fee. Amount financed $61,529, including $3,619 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $72,216. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCUKJED4SZ165237_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1049, "unit": "per_month", "display": "$1,049/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57910.0, "price_incl_doc": 57910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1048.72, "amount_financed": 61529.38, "sales_tax": 3619.38, "total_of_payments": 75507.79, "finance_charge": 13978.41, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260459A, VIN 1GCUKJED4SZ165237. $1,049 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $57,910, before any dealer documentation fee. Amount financed $61,529, including $3,619 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $75,508. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MCP7915, VIN 2GNAXKEV0N6129054. Advertised price: $17,883. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$17,883"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17883.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_2GNAXKEV0N6129054_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 446, "unit": "per_month", "display": "$446/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17883.0, "price_incl_doc": 17883.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 446.14, "amount_financed": 19000.69, "sales_tax": 1117.69, "total_of_payments": 21414.94, "finance_charge": 2414.25, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7915, VIN 2GNAXKEV0N6129054. $446 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,883, before any dealer documentation fee. Amount financed $19,001, including $1,118 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $21,415. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2GNAXKEV0N6129054_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 372, "unit": "per_month", "display": "$372/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17883.0, "price_incl_doc": 17883.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 371.68, "amount_financed": 19000.69, "sales_tax": 1117.69, "total_of_payments": 22300.88, "finance_charge": 3300.19, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7915, VIN 2GNAXKEV0N6129054. $372 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,883, before any dealer documentation fee. Amount financed $19,001, including $1,118 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,301. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2GNAXKEV0N6129054_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17883.0, "price_incl_doc": 17883.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 323.85, "amount_financed": 19000.69, "sales_tax": 1117.69, "total_of_payments": 23317.32, "finance_charge": 4316.63, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7915, VIN 2GNAXKEV0N6129054. $324 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,883, before any dealer documentation fee. Amount financed $19,001, including $1,118 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $23,317. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 221}}, {"vin": "3GNKBKRS1NS138107", "title": "2022 Chevrolet Blazer RS", "year": 2022, "make": "Chevrolet", "model": "Blazer", "trim": "RS", "decoded_trim": "RS", "condition": "used", "price": 24410.0, "msrp": null, "sale_price": 24410.0, "currency": "USD", "mileage": 32000, "exterior_color": "Cherry Red Tintcoat", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "3.6L V-6", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "9-Speed Automatic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M270004A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Chevrolet", "model": "Blazer", "year": 2022, "trim": "RS", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.6L 6-Cylinder V-Shaped", "engine_displacement_l": 3.6, "cylinders": 6, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3GNKBKRS1NS138107.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2022-Chevrolet-Blazer-8cc3fa43ac18013719a6da3425fdd050.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2022-Chevrolet-Blazer-8cc3fa43ac18013719a6da3425fdd050.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3GNKBKRS1NS138107.html", "json_url": "https://ai.castlekiamchenry.com/v/3GNKBKRS1NS138107.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3GNKBKRS1NS138107.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2022-Chevrolet-Blazer-8cc3fa43ac18013719a6da3425fdd050.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M270004A, VIN 3GNKBKRS1NS138107. Advertised price: $24,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GNKBKRS1NS138107_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.98, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 29231.05, "finance_charge": 3295.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M270004A, VIN 3GNKBKRS1NS138107. $609 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,231. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GNKBKRS1NS138107_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 507, "unit": "per_month", "display": "$507/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.34, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 30440.33, "finance_charge": 4504.7, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M270004A, VIN 3GNKBKRS1NS138107. $507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,440. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GNKBKRS1NS138107_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 442, "unit": "per_month", "display": "$442/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24410.0, "price_incl_doc": 24410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 442.05, "amount_financed": 25935.63, "sales_tax": 1525.63, "total_of_payments": 31827.76, "finance_charge": 5892.13, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M270004A, VIN 3GNKBKRS1NS138107. $442 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,410, before any dealer documentation fee. Amount financed $25,936, including $1,526 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,828. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$44,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1G1YM3D76E5111235_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1120, "unit": "per_month", "display": "$1,120/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44910.0, "price_incl_doc": 44910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1120.41, "amount_financed": 47716.88, "sales_tax": 2806.88, "total_of_payments": 53779.85, "finance_charge": 6062.97, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260454B, VIN 1G1YM3D76E5111235. $1,120 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $44,910, before any dealer documentation fee. Amount financed $47,717, including $2,807 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $53,780. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1YM3D76E5111235_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 933, "unit": "per_month", "display": "$933/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44910.0, "price_incl_doc": 44910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 933.41, "amount_financed": 47716.88, "sales_tax": 2806.88, "total_of_payments": 56004.72, "finance_charge": 8287.84, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260454B, VIN 1G1YM3D76E5111235. $933 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $44,910, before any dealer documentation fee. Amount financed $47,717, including $2,807 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $56,005. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MC260637A, VIN 1GYS9HR99SR264275. Advertised price: $175,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$175,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 175410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GYS9HR99SR264275_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 4376, "unit": "per_month", "display": "$4,376/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 175410.0, "price_incl_doc": 175410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 4376.12, "amount_financed": 186373.13, "sales_tax": 10963.13, "total_of_payments": 210053.95, "finance_charge": 23680.82, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260637A, VIN 1GYS9HR99SR264275. $4,376 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $175,410, before any dealer documentation fee. Amount financed $186,373, including $10,963 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $210,054. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYS9HR99SR264275_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 3646, "unit": "per_month", "display": "$3,646/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 175410.0, "price_incl_doc": 175410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 3645.73, "amount_financed": 186373.13, "sales_tax": 10963.13, "total_of_payments": 218743.88, "finance_charge": 32370.75, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260637A, VIN 1GYS9HR99SR264275. $3,646 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $175,410, before any dealer documentation fee. Amount financed $186,373, including $10,963 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $218,744. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYS9HR99SR264275_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 3177, "unit": "per_month", "display": "$3,177/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 175410.0, "price_incl_doc": 175410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 3176.58, "amount_financed": 186373.13, "sales_tax": 10963.13, "total_of_payments": 228713.89, "finance_charge": 42340.76, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260637A, VIN 1GYS9HR99SR264275. $3,177 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $175,410, before any dealer documentation fee. Amount financed $186,373, including $10,963 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $228,714. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42410.0, "price_incl_doc": 42410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1058.04, "amount_financed": 45060.63, "sales_tax": 2650.63, "total_of_payments": 50786.09, "finance_charge": 5725.46, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7903, VIN 1GYKPDRS4PZ119606. $1,058 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $42,410, before any dealer documentation fee. Amount financed $45,061, including $2,651 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $50,786. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKPDRS4PZ119606_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 881, "unit": "per_month", "display": "$881/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42410.0, "price_incl_doc": 42410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 881.45, "amount_financed": 45060.63, "sales_tax": 2650.63, "total_of_payments": 52887.12, "finance_charge": 7826.49, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7903, VIN 1GYKPDRS4PZ119606. $881 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $42,410, before any dealer documentation fee. Amount financed $45,061, including $2,651 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $52,887. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKPDRS4PZ119606_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 768, "unit": "per_month", "display": "$768/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42410.0, "price_incl_doc": 42410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 768.02, "amount_financed": 45060.63, "sales_tax": 2650.63, "total_of_payments": 55297.63, "finance_charge": 10237.0, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7903, VIN 1GYKPDRS4PZ119606. $768 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $42,410, before any dealer documentation fee. Amount financed $45,061, including $2,651 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $55,298. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17910.0, "price_incl_doc": 17910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 446.82, "amount_financed": 19029.38, "sales_tax": 1119.38, "total_of_payments": 21447.28, "finance_charge": 2417.9, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260585B, VIN 1GCGTCE3XF1163560. $447 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,910, before any dealer documentation fee. Amount financed $19,029, including $1,119 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $21,447. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCGTCE3XF1163560_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 372, "unit": "per_month", "display": "$372/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17910.0, "price_incl_doc": 17910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 372.24, "amount_financed": 19029.38, "sales_tax": 1119.38, "total_of_payments": 22334.55, "finance_charge": 3305.17, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260585B, VIN 1GCGTCE3XF1163560. $372 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,910, before any dealer documentation fee. Amount financed $19,029, including $1,119 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,335. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCGTCE3XF1163560_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 324, "unit": "per_month", "display": "$324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17910.0, "price_incl_doc": 17910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 324.34, "amount_financed": 19029.38, "sales_tax": 1119.38, "total_of_payments": 23352.53, "finance_charge": 4323.15, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260585B, VIN 1GCGTCE3XF1163560. $324 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,910, before any dealer documentation fee. Amount financed $19,029, including $1,119 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $23,353. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,810"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GNKBHR47SS206894_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 719, "unit": "per_month", "display": "$719/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28810.0, "price_incl_doc": 28810.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 718.75, "amount_financed": 30610.63, "sales_tax": 1800.63, "total_of_payments": 34500.06, "finance_charge": 3889.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7888, VIN 3GNKBHR47SS206894. $719 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,810, before any dealer documentation fee. Amount financed $30,611, including $1,801 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,500. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GNKBHR47SS206894_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 599, "unit": "per_month", "display": "$599/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28810.0, "price_incl_doc": 28810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 598.79, "amount_financed": 30610.63, "sales_tax": 1800.63, "total_of_payments": 35927.33, "finance_charge": 5316.7, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7888, VIN 3GNKBHR47SS206894. $599 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,810, before any dealer documentation fee. Amount financed $30,611, including $1,801 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,927. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GNKBHR47SS206894_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 522, "unit": "per_month", "display": "$522/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27410.0, "price_incl_doc": 27410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 683.82, "amount_financed": 29123.13, "sales_tax": 1713.13, "total_of_payments": 32823.55, "finance_charge": 3700.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260475A, VIN 1GYKNGRS4MZ147568. $684 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,410, before any dealer documentation fee. Amount financed $29,123, including $1,713 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,824. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNGRS4MZ147568_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27410.0, "price_incl_doc": 27410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 569.69, "amount_financed": 29123.13, "sales_tax": 1713.13, "total_of_payments": 34181.46, "finance_charge": 5058.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260475A, VIN 1GYKNGRS4MZ147568. $570 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,410, before any dealer documentation fee. Amount financed $29,123, including $1,713 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,181. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNGRS4MZ147568_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 496, "unit": "per_month", "display": "$496/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27410.0, "price_incl_doc": 27410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 496.38, "amount_financed": 29123.13, "sales_tax": 1713.13, "total_of_payments": 35739.4, "finance_charge": 6616.27, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260475A, VIN 1GYKNGRS4MZ147568. $496 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,410, before any dealer documentation fee. Amount financed $29,123, including $1,713 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,739. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37910.0, "price_incl_doc": 37910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 787.92, "amount_financed": 40279.38, "sales_tax": 2369.38, "total_of_payments": 47275.42, "finance_charge": 6996.04, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7904, VIN 1G6DU5RK2R0127047. $788 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,910, before any dealer documentation fee. Amount financed $40,279, including $2,369 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $47,275. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G6DU5RK2R0127047_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 687, "unit": "per_month", "display": "$687/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37910.0, "price_incl_doc": 37910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 686.53, "amount_financed": 40279.38, "sales_tax": 2369.38, "total_of_payments": 49430.16, "finance_charge": 9150.78, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7904, VIN 1G6DU5RK2R0127047. $687 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,910, before any dealer documentation fee. Amount financed $40,279, including $2,369 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $49,430. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 177}}, {"vin": "WA1DECF39S1002262", "title": "2025 Audi Q3 Premium S Line Quattro", "year": 2025, "make": "Audi", "model": "Q3", "trim": "Premium S Line Quattro", "decoded_trim": "S Line quattro Premium", "condition": "used", "price": 30410.0, "msrp": null, "sale_price": 30410.0, "currency": "USD", "mileage": 14000, "exterior_color": "Navarra Blue Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic with Tiptronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7900", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025AUS05_640/2025AUS051993355_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025AUS05_640/2025AUS051993355_640_01.jpg"], "vin_decode": {"make": "Audi", "model": "Q3", "year": 2025, "trim": "S Line quattro Premium", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Audi/2025-Audi-Q3-0597d62dac1848577d09264579799be9.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Audi/2025-Audi-Q3-0597d62dac1848577d09264579799be9.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/WA1DECF39S1002262.html", "json_url": "https://ai.castlekiamchenry.com/v/WA1DECF39S1002262.json", "markdown_url": "https://ai.castlekiamchenry.com/v/WA1DECF39S1002262.md", "vdp_url": "https://www.castlekiamchenry.com/used/Audi/2025-Audi-Q3-0597d62dac1848577d09264579799be9.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MCP7900, VIN WA1DECF39S1002262. Advertised price: $30,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WA1DECF39S1002262_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 759, "unit": "per_month", "display": "$759/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30410.0, "price_incl_doc": 30410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.67, "amount_financed": 32310.63, "sales_tax": 1900.63, "total_of_payments": 36416.06, "finance_charge": 4105.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7900, VIN WA1DECF39S1002262. $759 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,410, before any dealer documentation fee. Amount financed $32,311, including $1,901 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,416. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WA1DECF39S1002262_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 632, "unit": "per_month", "display": "$632/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30410.0, "price_incl_doc": 30410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.04, "amount_financed": 32310.63, "sales_tax": 1900.63, "total_of_payments": 37922.59, "finance_charge": 5611.96, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7900, VIN WA1DECF39S1002262. $632 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,410, before any dealer documentation fee. Amount financed $32,311, including $1,901 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,923. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WA1DECF39S1002262_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 551, "unit": "per_month", "display": "$551/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30410.0, "price_incl_doc": 30410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 550.71, "amount_financed": 32310.63, "sales_tax": 1900.63, "total_of_payments": 39651.05, "finance_charge": 7340.42, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7900, VIN WA1DECF39S1002262. $551 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,410, before any dealer documentation fee. Amount financed $32,311, including $1,901 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,651. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 164}}, {"vin": "1GYKNDRS4PZ169704", "title": "2023 Cadillac XT5 Premium Luxury", "year": 2023, "make": "Cadillac", "model": "XT5", "trim": "Premium Luxury", "decoded_trim": "Premium Luxury", "condition": "used", "price": 30263.0, "msrp": null, "sale_price": 30263.0, "currency": "USD", "mileage": 103000, "exterior_color": "Crystal White Tricoat", "interior_color": "Kona Brown Sauvage", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "3.6L V-6", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "9-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7911", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/bb4a5210b33643ddaf461429d554b6f4.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/bb4a5210b33643ddaf461429d554b6f4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dcc66b629ff14cd186894b7b7b423df2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a79160bff9e14e98835e28688a82d47e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66d1db3e3982414580dc6a47ce869a06.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/03fc6cb88f95431580dd876c1043ae4f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9f8b97f671444ec2a74060bfb87f3639.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3092e62b96bf418297df9e3b7e7c39aa.jpg"], "vin_decode": {"make": "Cadillac", "model": "XT5", "year": 2023, "trim": "Premium Luxury", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.6L 6-Cylinder V-Shaped", "engine_displacement_l": 3.6, "cylinders": 6, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1GYKNDRS4PZ169704.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Cadillac/2023-Cadillac-XT5-47ac2becac180d0fb6e73ed9bb3e023b.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Cadillac/2023-Cadillac-XT5-47ac2becac180d0fb6e73ed9bb3e023b.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1GYKNDRS4PZ169704.html", "json_url": "https://ai.castlekiamchenry.com/v/1GYKNDRS4PZ169704.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1GYKNDRS4PZ169704.md", "vdp_url": "https://www.castlekiamchenry.com/used/Cadillac/2023-Cadillac-XT5-47ac2becac180d0fb6e73ed9bb3e023b.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MCP7911, VIN 1GYKNDRS4PZ169704. Advertised price: $30,263. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,263"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30263.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GYKNDRS4PZ169704_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 755, "unit": "per_month", "display": "$755/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30263.0, "price_incl_doc": 30263.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.0, "amount_financed": 32154.44, "sales_tax": 1891.44, "total_of_payments": 36240.03, "finance_charge": 4085.59, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7911, VIN 1GYKNDRS4PZ169704. $755 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,263, before any dealer documentation fee. Amount financed $32,154, including $1,891 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,240. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNDRS4PZ169704_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 629, "unit": "per_month", "display": "$629/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30263.0, "price_incl_doc": 30263.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 628.99, "amount_financed": 32154.44, "sales_tax": 1891.44, "total_of_payments": 37739.28, "finance_charge": 5584.84, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7911, VIN 1GYKNDRS4PZ169704. $629 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,263, before any dealer documentation fee. Amount financed $32,154, including $1,891 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,739. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNDRS4PZ169704_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 548, "unit": "per_month", "display": "$548/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30263.0, "price_incl_doc": 30263.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 548.05, "amount_financed": 32154.44, "sales_tax": 1891.44, "total_of_payments": 39459.37, "finance_charge": 7304.93, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7911, VIN 1GYKNDRS4PZ169704. $548 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,263, before any dealer documentation fee. Amount financed $32,154, including $1,891 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,459. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 168}}, {"vin": "5GAEVCKW3PJ247870", "title": "2023 Buick Enclave Avenir", "year": 2023, "make": "Buick", "model": "Enclave", "trim": "Avenir", "decoded_trim": "Avenir", "condition": "used", "price": 39390.0, "msrp": null, "sale_price": 39390.0, "currency": "USD", "mileage": 52000, "exterior_color": "Ebony Twilight Metallic", "interior_color": "Ebony With Ebony Interior Accents", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "3.6L V-6", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "9-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7920", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Buick", "model": "Enclave", "year": 2023, "trim": "Avenir", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.6L 6-Cylinder V-Shaped", "engine_displacement_l": 3.6, "cylinders": 6, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5GAEVCKW3PJ247870.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Buick/2023-Buick-Enclave-8c0ee4e8ac184d2b5dd6c162267f493b.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Buick/2023-Buick-Enclave-8c0ee4e8ac184d2b5dd6c162267f493b.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5GAEVCKW3PJ247870.html", "json_url": "https://ai.castlekiamchenry.com/v/5GAEVCKW3PJ247870.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5GAEVCKW3PJ247870.md", "vdp_url": "https://www.castlekiamchenry.com/used/Buick/2023-Buick-Enclave-8c0ee4e8ac184d2b5dd6c162267f493b.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MCP7920, VIN 5GAEVCKW3PJ247870. Advertised price: $39,390. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,390"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5GAEVCKW3PJ247870_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 983, "unit": "per_month", "display": "$983/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39390.0, "price_incl_doc": 39390.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 982.7, "amount_financed": 41851.88, "sales_tax": 2461.88, "total_of_payments": 47169.64, "finance_charge": 5317.76, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7920, VIN 5GAEVCKW3PJ247870. $983 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,390, before any dealer documentation fee. Amount financed $41,852, including $2,462 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $47,170. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5GAEVCKW3PJ247870_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 819, "unit": "per_month", "display": "$819/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39390.0, "price_incl_doc": 39390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 818.68, "amount_financed": 41851.88, "sales_tax": 2461.88, "total_of_payments": 49121.04, "finance_charge": 7269.16, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7920, VIN 5GAEVCKW3PJ247870. $819 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,390, before any dealer documentation fee. Amount financed $41,852, including $2,462 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $49,121. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5GAEVCKW3PJ247870_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 713, "unit": "per_month", "display": "$713/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39390.0, "price_incl_doc": 39390.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 713.33, "amount_financed": 41851.88, "sales_tax": 2461.88, "total_of_payments": 51359.91, "finance_charge": 9508.03, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7920, VIN 5GAEVCKW3PJ247870. $713 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,390, before any dealer documentation fee. Amount financed $41,852, including $2,462 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $51,360. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 187}}, {"vin": "2G4G05GV6B9191392", "title": "2011 Buick Regal CXL Turbo Oshawa", "year": 2011, "make": "Buick", "model": "Regal", "trim": "CXL Turbo Oshawa", "decoded_trim": "CXL-6XT", "condition": "used", "price": 10310.0, "msrp": null, "sale_price": 10310.0, "currency": "USD", "mileage": 81000, "exterior_color": "Cyber Gray Metallic", "interior_color": "Ebony", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Flex Fuel", "doors": 4, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "6-Speed Manual", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL111A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Buick", "model": "Regal", "year": 2011, "trim": "CXL-6XT", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L 4-Cylinder In-Line", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": null, "fuel_type": "Flex Fuel", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/2G4G05GV6B9191392.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Buick/2011-Buick-Regal-64da9cc7ac185d005aaedd20fee5cd7e.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Buick/2011-Buick-Regal-64da9cc7ac185d005aaedd20fee5cd7e.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/2G4G05GV6B9191392.html", "json_url": "https://ai.castlekiamchenry.com/v/2G4G05GV6B9191392.json", "markdown_url": "https://ai.castlekiamchenry.com/v/2G4G05GV6B9191392.md", "vdp_url": "https://www.castlekiamchenry.com/used/Buick/2011-Buick-Regal-64da9cc7ac185d005aaedd20fee5cd7e.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL111A, VIN 2G4G05GV6B9191392. Advertised price: $10,310. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$10,310"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 10310.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_2G4G05GV6B9191392_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 252, "unit": "per_month", "display": "$252/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10310.0, "price_incl_doc": 10310.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 252.22, "amount_financed": 10954.38, "sales_tax": 644.38, "total_of_payments": 12106.66, "finance_charge": 1152.28, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL111A, VIN 2G4G05GV6B9191392. $252 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $10,310, before any dealer documentation fee. Amount financed $10,954, including $644 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $12,107. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2G4G05GV6B9191392_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 209, "unit": "per_month", "display": "$209/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10310.0, "price_incl_doc": 10310.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 209.19, "amount_financed": 10954.38, "sales_tax": 644.38, "total_of_payments": 12551.45, "finance_charge": 1597.07, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL111A, VIN 2G4G05GV6B9191392. $209 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $10,310, before any dealer documentation fee. Amount financed $10,954, including $644 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $12,551. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2G4G05GV6B9191392_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 181, "unit": "per_month", "display": "$181/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10310.0, "price_incl_doc": 10310.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 181.49, "amount_financed": 10954.38, "sales_tax": 644.38, "total_of_payments": 13067.57, "finance_charge": 2113.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL111A, VIN 2G4G05GV6B9191392. $181 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $10,310, before any dealer documentation fee. Amount financed $10,954, including $644 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $13,068. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$60,498"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 60498.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPLESA9VG027000_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1480, "unit": "per_month", "display": "$1,480/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60498.0, "price_incl_doc": 60498.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1480.01, "amount_financed": 64279.13, "sales_tax": 3781.13, "total_of_payments": 71040.57, "finance_charge": 6761.44, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270070, VIN 5XYPLESA9VG027000. $1,480 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $60,498, before any dealer documentation fee. Amount financed $64,279, including $3,781 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $71,041. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA9VG027000_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1228, "unit": "per_month", "display": "$1,228/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60498.0, "price_incl_doc": 60498.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1227.51, "amount_financed": 64279.13, "sales_tax": 3781.13, "total_of_payments": 73650.56, "finance_charge": 9371.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270070, VIN 5XYPLESA9VG027000. $1,228 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $60,498, before any dealer documentation fee. Amount financed $64,279, including $3,781 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $73,651. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA9VG027000_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1065, "unit": "per_month", "display": "$1,065/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60498.0, "price_incl_doc": 60498.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1064.99, "amount_financed": 64279.13, "sales_tax": 3781.13, "total_of_payments": 76679.09, "finance_charge": 12399.96, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270070, VIN 5XYPLESA9VG027000. $1,065 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $60,498, before any dealer documentation fee. Amount financed $64,279, including $3,781 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $76,679. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59143.0, "price_incl_doc": 59143.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1446.86, "amount_financed": 62839.44, "sales_tax": 3696.44, "total_of_payments": 69449.44, "finance_charge": 6610.0, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270078, VIN 5XYPLESA4VG026174. $1,447 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $59,143, before any dealer documentation fee. Amount financed $62,839, including $3,696 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $69,449. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA4VG026174_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1200, "unit": "per_month", "display": "$1,200/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59143.0, "price_incl_doc": 59143.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1200.02, "amount_financed": 62839.44, "sales_tax": 3696.44, "total_of_payments": 72000.98, "finance_charge": 9161.54, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270078, VIN 5XYPLESA4VG026174. $1,200 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $59,143, before any dealer documentation fee. Amount financed $62,839, including $3,696 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $72,001. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA4VG026174_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1041, "unit": "per_month", "display": "$1,041/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59143.0, "price_incl_doc": 59143.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1041.13, "amount_financed": 62839.44, "sales_tax": 3696.44, "total_of_payments": 74961.68, "finance_charge": 12122.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270078, VIN 5XYPLESA4VG026174. $1,041 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $59,143, before any dealer documentation fee. Amount financed $62,839, including $3,696 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $74,962. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-be2f3fefac184c5d1b9eb0c59fae4e09.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYPLESAXVG015275.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYPLESAXVG015275.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYPLESAXVG015275.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-be2f3fefac184c5d1b9eb0c59fae4e09.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$61,512"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 61512.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPLESAXVG015275_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1505, "unit": "per_month", "display": "$1,505/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 61512.0, "price_incl_doc": 61512.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1504.82, "amount_financed": 65356.5, "sales_tax": 3844.5, "total_of_payments": 72231.26, "finance_charge": 6874.76, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270040, VIN 5XYPLESAXVG015275. $1,505 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $61,512, before any dealer documentation fee. Amount financed $65,356, including $3,844 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $72,231. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESAXVG015275_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1248, "unit": "per_month", "display": "$1,248/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 61512.0, "price_incl_doc": 61512.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1248.08, "amount_financed": 65356.5, "sales_tax": 3844.5, "total_of_payments": 74885.01, "finance_charge": 9528.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270040, VIN 5XYPLESAXVG015275. $1,248 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $61,512, before any dealer documentation fee. Amount financed $65,356, including $3,844 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $74,885. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:03Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 60638.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60638.0, "price_incl_doc": 60638.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1483.44, "amount_financed": 64427.88, "sales_tax": 3789.88, "total_of_payments": 71204.96, "finance_charge": 6777.08, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270063, VIN 5XYPLESA0VG025782. $1,483 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $60,638, before any dealer documentation fee. Amount financed $64,428, including $3,790 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $71,205. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60638.0, "price_incl_doc": 60638.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1230.35, "amount_financed": 64427.88, "sales_tax": 3789.88, "total_of_payments": 73821.0, "finance_charge": 9393.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270063, VIN 5XYPLESA0VG025782. $1,230 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $60,638, before any dealer documentation fee. Amount financed $64,428, including $3,790 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $73,821. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 60168.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60168.0, "price_incl_doc": 60168.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1471.94, "amount_financed": 63928.5, "sales_tax": 3760.5, "total_of_payments": 70653.05, "finance_charge": 6724.55, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270117, VIN 5XYPLESA9VG036652. $1,472 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $60,168, before any dealer documentation fee. Amount financed $63,928, including $3,760 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $70,653. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60168.0, "price_incl_doc": 60168.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1220.81, "amount_financed": 63928.5, "sales_tax": 3760.5, "total_of_payments": 73248.82, "finance_charge": 9320.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270117, VIN 5XYPLESA9VG036652. $1,221 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $60,168, before any dealer documentation fee. Amount financed $63,928, including $3,760 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $73,249. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60168.0, "price_incl_doc": 60168.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1059.18, "amount_financed": 63928.5, "sales_tax": 3760.5, "total_of_payments": 76260.82, "finance_charge": 12332.32, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270117, VIN 5XYPLESA9VG036652. $1,059 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $60,168, before any dealer documentation fee. Amount financed $63,928, including $3,760 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $76,261. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57693.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57693.0, "price_incl_doc": 57693.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1411.39, "amount_financed": 61298.81, "sales_tax": 3605.81, "total_of_payments": 67746.75, "finance_charge": 6447.94, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270044, VIN 5XYPDESA0VG018098. $1,411 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $57,693, before any dealer documentation fee. Amount financed $61,299, including $3,606 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $67,747. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPDESA0VG018098_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1171, "unit": "per_month", "display": "$1,171/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57693.0, "price_incl_doc": 57693.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1170.6, "amount_financed": 61298.81, "sales_tax": 3605.81, "total_of_payments": 70235.74, "finance_charge": 8936.93, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270044, VIN 5XYPDESA0VG018098. $1,171 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $57,693, before any dealer documentation fee. Amount financed $61,299, including $3,606 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $70,236. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57693.0, "price_incl_doc": 57693.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1015.61, "amount_financed": 61298.81, "sales_tax": 3605.81, "total_of_payments": 73123.85, "finance_charge": 11825.04, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270044, VIN 5XYPDESA0VG018098. $1,016 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $57,693, before any dealer documentation fee. Amount financed $61,299, including $3,606 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $73,124. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPLESA0VG033686_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1453, "unit": "per_month", "display": "$1,453/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59378.0, "price_incl_doc": 59378.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1452.61, "amount_financed": 63089.13, "sales_tax": 3711.13, "total_of_payments": 69725.39, "finance_charge": 6636.26, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270096, VIN 5XYPLESA0VG033686. $1,453 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $59,378, before any dealer documentation fee. Amount financed $63,089, including $3,711 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $69,725. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA0VG033686_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1205, "unit": "per_month", "display": "$1,205/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59378.0, "price_incl_doc": 59378.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1204.78, "amount_financed": 63089.13, "sales_tax": 3711.13, "total_of_payments": 72287.07, "finance_charge": 9197.94, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270096, VIN 5XYPLESA0VG033686. $1,205 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $59,378, before any dealer documentation fee. Amount financed $63,089, including $3,711 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $72,287. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA0VG033686_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1045, "unit": "per_month", "display": "$1,045/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59378.0, "price_incl_doc": 59378.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1045.27, "amount_financed": 63089.13, "sales_tax": 3711.13, "total_of_payments": 75259.53, "finance_charge": 12170.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270096, VIN 5XYPLESA0VG033686. $1,045 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $59,378, before any dealer documentation fee. Amount financed $63,089, including $3,711 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $75,260. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 206}}, {"vin": "5XYPLESA1VG036144", "title": "2027 Kia Telluride Hybrid X\\-Line SX Prestige", "year": 2027, "make": "Kia", "model": "Telluride Hybrid", "trim": "X\\-Line SX Prestige", "decoded_trim": "SXP, X-LINE SXP", "condition": "used", "price": 59873.0, "msrp": null, "sale_price": 59873.0, "currency": "USD", "mileage": 0, "exterior_color": "Black   Jade", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270118", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Telluride", "year": 2027, "trim": "SXP, X-LINE SXP", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Electric", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYPLESA1VG036144.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-61e2446aac1840e460b67eb2d14dd3db.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-61e2446aac1840e460b67eb2d14dd3db.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYPLESA1VG036144.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYPLESA1VG036144.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYPLESA1VG036144.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-61e2446aac1840e460b67eb2d14dd3db.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270118, VIN 5XYPLESA1VG036144. Advertised price: $59,873. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$59,873"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 59873.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPLESA1VG036144_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1465, "unit": "per_month", "display": "$1,465/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59873.0, "price_incl_doc": 59873.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1464.72, "amount_financed": 63615.06, "sales_tax": 3742.06, "total_of_payments": 70306.64, "finance_charge": 6691.58, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270118, VIN 5XYPLESA1VG036144. $1,465 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $59,873, before any dealer documentation fee. Amount financed $63,615, including $3,742 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $70,307. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA1VG036144_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1215, "unit": "per_month", "display": "$1,215/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59873.0, "price_incl_doc": 59873.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1214.83, "amount_financed": 63615.06, "sales_tax": 3742.06, "total_of_payments": 72889.68, "finance_charge": 9274.62, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270118, VIN 5XYPLESA1VG036144. $1,215 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $59,873, before any dealer documentation fee. Amount financed $63,615, including $3,742 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $72,890. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA1VG036144_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1054, "unit": "per_month", "display": "$1,054/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59873.0, "price_incl_doc": 59873.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1053.98, "amount_financed": 63615.06, "sales_tax": 3742.06, "total_of_payments": 75886.92, "finance_charge": 12271.86, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270118, VIN 5XYPLESA1VG036144. $1,054 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $59,873, before any dealer documentation fee. Amount financed $63,615, including $3,742 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $75,887. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 194}}, {"vin": "KNDPXDDG0V7420400", "title": "2027 Kia Sportage Hybrid SX-P, SX-Prestige", "year": 2027, "make": "Kia", "model": "Sportage Hybrid", "trim": "SX-P, SX-Prestige", "decoded_trim": "SX-P, SX-Prestige", "condition": "used", "price": 42878.0, "msrp": null, "sale_price": 42878.0, "currency": "USD", "mileage": 0, "exterior_color": "Black", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "1.6L Electric Motor", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270120", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2027, "trim": "SX-P, SX-Prestige", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDPXDDG0V7420400.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-6777da78ac1814e012e1fffc18e95047.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-6777da78ac1814e012e1fffc18e95047.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDPXDDG0V7420400.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDPXDDG0V7420400.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDPXDDG0V7420400.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-6777da78ac1814e012e1fffc18e95047.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270120, VIN KNDPXDDG0V7420400. Advertised price: $42,878. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,878"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42878.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPXDDG0V7420400_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1049, "unit": "per_month", "display": "$1,049/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1048.96, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 50350.05, "finance_charge": 4792.17, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270120, VIN KNDPXDDG0V7420400. $1,049 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $50,350. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG0V7420400_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 870, "unit": "per_month", "display": "$870/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 870.0, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 52199.89, "finance_charge": 6642.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270120, VIN KNDPXDDG0V7420400. $870 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,200. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG0V7420400_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 755, "unit": "per_month", "display": "$755/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 754.81, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 54346.36, "finance_charge": 8788.48, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270120, VIN KNDPXDDG0V7420400. $755 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,346. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-be2e47afac180302593716fcab82dfb9.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYPLESA6VG019808.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYPLESA6VG019808.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYPLESA6VG019808.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-be2e47afac180302593716fcab82dfb9.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$59,963"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 59963.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPLESA6VG019808_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1467, "unit": "per_month", "display": "$1,467/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59963.0, "price_incl_doc": 59963.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1466.92, "amount_financed": 63710.69, "sales_tax": 3747.69, "total_of_payments": 70412.33, "finance_charge": 6701.64, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270050, VIN 5XYPLESA6VG019808. $1,467 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $59,963, before any dealer documentation fee. Amount financed $63,711, including $3,748 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $70,412. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59963.0, "price_incl_doc": 59963.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1216.65, "amount_financed": 63710.69, "sales_tax": 3747.69, "total_of_payments": 72999.25, "finance_charge": 9288.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270050, VIN 5XYPLESA6VG019808. $1,217 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $59,963, before any dealer documentation fee. Amount financed $63,711, including $3,748 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $72,999. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59963.0, "price_incl_doc": 59963.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1055.57, "amount_financed": 63710.69, "sales_tax": 3747.69, "total_of_payments": 76001.0, "finance_charge": 12290.31, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270050, VIN 5XYPLESA6VG019808. $1,056 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $59,963, before any dealer documentation fee. Amount financed $63,711, including $3,748 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $76,001. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 196}}, {"vin": "5XYPDESA9VG039533", "title": "2027 Kia Telluride Hybrid X\\-Line SX", "year": 2027, "make": "Kia", "model": "Telluride Hybrid", "trim": "X\\-Line SX", "decoded_trim": "SX, X-LINE SX", "condition": "used", "price": 57398.0, "msrp": null, "sale_price": 57398.0, "currency": "USD", "mileage": 0, "exterior_color": "Black   Jade", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270128", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Telluride", "year": 2027, "trim": "SX, X-LINE SX", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Electric", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYPDESA9VG039533.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-8b83c241ac18347aee8c697d53aa2e79.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-8b83c241ac18347aee8c697d53aa2e79.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYPDESA9VG039533.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYPDESA9VG039533.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYPDESA9VG039533.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-8b83c241ac18347aee8c697d53aa2e79.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270128, VIN 5XYPDESA9VG039533. Advertised price: $57,398. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$57,398"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57398.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPDESA9VG039533_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1404, "unit": "per_month", "display": "$1,404/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57398.0, "price_incl_doc": 57398.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1404.17, "amount_financed": 60985.38, "sales_tax": 3587.38, "total_of_payments": 67400.35, "finance_charge": 6414.97, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270128, VIN 5XYPDESA9VG039533. $1,404 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $57,398, before any dealer documentation fee. Amount financed $60,985, including $3,587 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $67,400. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPDESA9VG039533_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1165, "unit": "per_month", "display": "$1,165/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57398.0, "price_incl_doc": 57398.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1164.61, "amount_financed": 60985.38, "sales_tax": 3587.38, "total_of_payments": 69876.61, "finance_charge": 8891.23, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270128, VIN 5XYPDESA9VG039533. $1,165 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $57,398, before any dealer documentation fee. Amount financed $60,985, including $3,587 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $69,877. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPDESA9VG039533_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1010, "unit": "per_month", "display": "$1,010/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57398.0, "price_incl_doc": 57398.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1010.42, "amount_financed": 60985.38, "sales_tax": 3587.38, "total_of_payments": 72749.95, "finance_charge": 11764.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270128, VIN 5XYPDESA9VG039533. $1,010 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $57,398, before any dealer documentation fee. Amount financed $60,985, including $3,587 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $72,750. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 191}}, {"vin": "KNDPXDDG2V7419927", "title": "2027 Kia Sportage Hybrid SX\\-Prestige", "year": 2027, "make": "Kia", "model": "Sportage Hybrid", "trim": "SX\\-Prestige", "decoded_trim": "SX-P, SX-Prestige", "condition": "used", "price": 42878.0, "msrp": null, "sale_price": 42878.0, "currency": "USD", "mileage": 0, "exterior_color": "Blue", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "1.6L Electric Motor", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270113", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2027, "trim": "SX-P, SX-Prestige", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDPXDDG2V7419927.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-5d97cb1eac183200ff5014806d41d513.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-5d97cb1eac183200ff5014806d41d513.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDPXDDG2V7419927.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDPXDDG2V7419927.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDPXDDG2V7419927.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-5d97cb1eac183200ff5014806d41d513.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270113, VIN KNDPXDDG2V7419927. Advertised price: $42,878. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,878"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42878.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPXDDG2V7419927_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1049, "unit": "per_month", "display": "$1,049/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1048.96, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 50350.05, "finance_charge": 4792.17, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270113, VIN KNDPXDDG2V7419927. $1,049 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $50,350. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG2V7419927_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 870, "unit": "per_month", "display": "$870/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 870.0, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 52199.89, "finance_charge": 6642.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270113, VIN KNDPXDDG2V7419927. $870 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,200. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG2V7419927_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 755, "unit": "per_month", "display": "$755/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 754.81, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 54346.36, "finance_charge": 8788.48, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270113, VIN KNDPXDDG2V7419927. $755 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,346. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 60713.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60713.0, "price_incl_doc": 60713.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1485.27, "amount_financed": 64507.56, "sales_tax": 3794.56, "total_of_payments": 71293.02, "finance_charge": 6785.46, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270105, VIN 5XYPLESA7VG035144. $1,485 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $60,713, before any dealer documentation fee. Amount financed $64,508, including $3,795 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $71,293. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60713.0, "price_incl_doc": 60713.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1231.87, "amount_financed": 64507.56, "sales_tax": 3794.56, "total_of_payments": 73912.3, "finance_charge": 9404.74, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270105, VIN 5XYPLESA7VG035144. $1,232 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $60,713, before any dealer documentation fee. Amount financed $64,508, including $3,795 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $73,912. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57398.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57398.0, "price_incl_doc": 57398.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1404.17, "amount_financed": 60985.38, "sales_tax": 3587.38, "total_of_payments": 67400.35, "finance_charge": 6414.97, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270116, VIN 5XYPDESA4VG035681. $1,404 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $57,398, before any dealer documentation fee. Amount financed $60,985, including $3,587 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $67,400. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57398.0, "price_incl_doc": 57398.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1164.61, "amount_financed": 60985.38, "sales_tax": 3587.38, "total_of_payments": 69876.61, "finance_charge": 8891.23, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270116, VIN 5XYPDESA4VG035681. $1,165 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $57,398, before any dealer documentation fee. Amount financed $60,985, including $3,587 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $69,877. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57398.0, "price_incl_doc": 57398.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1010.42, "amount_financed": 60985.38, "sales_tax": 3587.38, "total_of_payments": 72749.95, "finance_charge": 11764.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270116, VIN 5XYPDESA4VG035681. $1,010 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $57,398, before any dealer documentation fee. Amount financed $60,985, including $3,587 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $72,750. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270109, VIN KNDPXDDG5V7419842. Advertised price: $42,878. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,878"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42878.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPXDDG5V7419842_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1049, "unit": "per_month", "display": "$1,049/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1048.96, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 50350.05, "finance_charge": 4792.17, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270109, VIN KNDPXDDG5V7419842. $1,049 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $50,350. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG5V7419842_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 870, "unit": "per_month", "display": "$870/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 870.0, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 52199.89, "finance_charge": 6642.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270109, VIN KNDPXDDG5V7419842. $870 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,200. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG5V7419842_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 755, "unit": "per_month", "display": "$755/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 754.81, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 54346.36, "finance_charge": 8788.48, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270109, VIN KNDPXDDG5V7419842. $755 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,346. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50903.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50903.0, "price_incl_doc": 50903.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1245.28, "amount_financed": 54084.44, "sales_tax": 3181.44, "total_of_payments": 59773.51, "finance_charge": 5689.07, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270062, VIN 5XYPCESA0VG026186. $1,245 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $50,903, before any dealer documentation fee. Amount financed $54,084, including $3,181 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $59,774. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPCESA0VG026186_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1033, "unit": "per_month", "display": "$1,033/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50903.0, "price_incl_doc": 50903.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1032.83, "amount_financed": 54084.44, "sales_tax": 3181.44, "total_of_payments": 61969.56, "finance_charge": 7885.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270062, VIN 5XYPCESA0VG026186. $1,033 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $50,903, before any dealer documentation fee. Amount financed $54,084, including $3,181 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $61,970. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPCESA0VG026186_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 896, "unit": "per_month", "display": "$896/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50903.0, "price_incl_doc": 50903.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 896.08, "amount_financed": 54084.44, "sales_tax": 3181.44, "total_of_payments": 64517.77, "finance_charge": 10433.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270062, VIN 5XYPCESA0VG026186. $896 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $50,903, before any dealer documentation fee. Amount financed $54,084, including $3,181 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,518. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51188.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPCESA0VG022638_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1252, "unit": "per_month", "display": "$1,252/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51188.0, "price_incl_doc": 51188.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1252.25, "amount_financed": 54387.25, "sales_tax": 3199.25, "total_of_payments": 60108.17, "finance_charge": 5720.92, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270061, VIN 5XYPCESA0VG022638. $1,252 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $51,188, before any dealer documentation fee. Amount financed $54,387, including $3,199 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $60,108. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51188.0, "price_incl_doc": 51188.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1038.61, "amount_financed": 54387.25, "sales_tax": 3199.25, "total_of_payments": 62316.52, "finance_charge": 7929.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270061, VIN 5XYPCESA0VG022638. $1,039 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,188, before any dealer documentation fee. Amount financed $54,387, including $3,199 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,317. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 53782.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPDES10VG032440_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1091, "unit": "per_month", "display": "$1,091/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53782.0, "price_incl_doc": 53782.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1091.24, "amount_financed": 57143.38, "sales_tax": 3361.38, "total_of_payments": 65474.47, "finance_charge": 8331.09, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270056, VIN 5XYPDES10VG032440. $1,091 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $53,782, before any dealer documentation fee. Amount financed $57,143, including $3,361 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $65,474. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53782.0, "price_incl_doc": 53782.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 946.76, "amount_financed": 57143.38, "sales_tax": 3361.38, "total_of_payments": 68166.8, "finance_charge": 11023.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270056, VIN 5XYPDES10VG032440. $947 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $53,782, before any dealer documentation fee. Amount financed $57,143, including $3,361 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $68,167. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG0T7339720_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 806, "unit": "per_month", "display": "$806/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39699.0, "price_incl_doc": 39699.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 805.5, "amount_financed": 42180.19, "sales_tax": 2481.19, "total_of_payments": 48329.76, "finance_charge": 6149.57, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260281, VIN KNDPXDDG0T7339720. $806 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,699, before any dealer documentation fee. Amount financed $42,180, including $2,481 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,330. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG0T7339720_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 699, "unit": "per_month", "display": "$699/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39699.0, "price_incl_doc": 39699.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 698.85, "amount_financed": 42180.19, "sales_tax": 2481.19, "total_of_payments": 50317.09, "finance_charge": 8136.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260281, VIN KNDPXDDG0T7339720. $699 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,699, before any dealer documentation fee. Amount financed $42,180, including $2,481 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,317. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$52,097"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52097.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPDES16VG039845_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1274, "unit": "per_month", "display": "$1,274/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52097.0, "price_incl_doc": 52097.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1274.49, "amount_financed": 55353.06, "sales_tax": 3256.06, "total_of_payments": 61175.57, "finance_charge": 5822.51, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270098, VIN 5XYPDES16VG039845. $1,274 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $52,097, before any dealer documentation fee. Amount financed $55,353, including $3,256 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $61,176. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPDES16VG039845_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1057, "unit": "per_month", "display": "$1,057/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52097.0, "price_incl_doc": 52097.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1057.05, "amount_financed": 55353.06, "sales_tax": 3256.06, "total_of_payments": 63423.14, "finance_charge": 8070.08, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270098, VIN 5XYPDES16VG039845. $1,057 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,097, before any dealer documentation fee. Amount financed $55,353, including $3,256 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,423. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPDES16VG039845_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 917, "unit": "per_month", "display": "$917/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52097.0, "price_incl_doc": 52097.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 917.1, "amount_financed": 55353.06, "sales_tax": 3256.06, "total_of_payments": 66031.11, "finance_charge": 10678.05, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270098, VIN 5XYPDES16VG039845. $917 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,097, before any dealer documentation fee. Amount financed $55,353, including $3,256 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,031. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52568.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPDES19VG042030_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1286, "unit": "per_month", "display": "$1,286/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52568.0, "price_incl_doc": 52568.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1286.01, "amount_financed": 55853.5, "sales_tax": 3285.5, "total_of_payments": 61728.66, "finance_charge": 5875.16, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270115, VIN 5XYPDES19VG042030. $1,286 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $52,568, before any dealer documentation fee. Amount financed $55,854, including $3,286 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $61,729. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPDES19VG042030_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1067, "unit": "per_month", "display": "$1,067/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52568.0, "price_incl_doc": 52568.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1066.61, "amount_financed": 55853.5, "sales_tax": 3285.5, "total_of_payments": 63996.54, "finance_charge": 8143.04, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270115, VIN 5XYPDES19VG042030. $1,067 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,568, before any dealer documentation fee. Amount financed $55,854, including $3,286 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,997. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPDES19VG042030_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 925, "unit": "per_month", "display": "$925/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52568.0, "price_incl_doc": 52568.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 925.39, "amount_financed": 55853.5, "sales_tax": 3285.5, "total_of_payments": 66628.09, "finance_charge": 10774.59, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270115, VIN 5XYPDES19VG042030. $925 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,568, before any dealer documentation fee. Amount financed $55,854, including $3,286 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,628. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPDES13VG040354_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1091, "unit": "per_month", "display": "$1,091/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53782.0, "price_incl_doc": 53782.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1091.24, "amount_financed": 57143.38, "sales_tax": 3361.38, "total_of_payments": 65474.47, "finance_charge": 8331.09, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270099, VIN 5XYPDES13VG040354. $1,091 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $53,782, before any dealer documentation fee. Amount financed $57,143, including $3,361 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $65,474. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPDES13VG040354_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 947, "unit": "per_month", "display": "$947/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53782.0, "price_incl_doc": 53782.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 946.76, "amount_financed": 57143.38, "sales_tax": 3361.38, "total_of_payments": 68166.8, "finance_charge": 11023.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270099, VIN 5XYPDES13VG040354. $947 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $53,782, before any dealer documentation fee. Amount financed $57,143, including $3,361 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $68,167. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34630.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF5TG399168_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 847, "unit": "per_month", "display": "$847/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34630.0, "price_incl_doc": 34630.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.62, "amount_financed": 36794.38, "sales_tax": 2164.38, "total_of_payments": 43892.31, "finance_charge": 7097.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260221, VIN 5XYK6CDF5TG399168. $610 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,630, before any dealer documentation fee. Amount financed $36,794, including $2,164 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,892. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 165}}, {"vin": "5XYPCES18VG043074", "title": "2027 Kia Telluride X\\-Line EX", "year": 2027, "make": "Kia", "model": "Telluride", "trim": "X\\-Line EX", "decoded_trim": "EX, X-LINE EX", "condition": "used", "price": 47689.0, "msrp": null, "sale_price": 47689.0, "currency": "USD", "mileage": 0, "exterior_color": "Glacial White Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L I4 DGI Turbocharged DOHC 16V LEV3-SULEV30 274hp", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270123", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Telluride", "year": 2027, "trim": "EX, X-LINE EX", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYPCES18VG043074.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-71c75d99ac1804b19b597a95917506aa.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-71c75d99ac1804b19b597a95917506aa.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYPCES18VG043074.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYPCES18VG043074.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYPCES18VG043074.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-71c75d99ac1804b19b597a95917506aa.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270123, VIN 5XYPCES18VG043074. Advertised price: $47,689. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$47,689"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47689.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPCES18VG043074_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1167, "unit": "per_month", "display": "$1,167/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47689.0, "price_incl_doc": 47689.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1166.65, "amount_financed": 50669.56, "sales_tax": 2980.56, "total_of_payments": 55999.42, "finance_charge": 5329.86, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270123, VIN 5XYPCES18VG043074. $1,167 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $47,689, before any dealer documentation fee. Amount financed $50,670, including $2,981 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $55,999. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPCES18VG043074_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 968, "unit": "per_month", "display": "$968/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47689.0, "price_incl_doc": 47689.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 967.61, "amount_financed": 50669.56, "sales_tax": 2980.56, "total_of_payments": 58056.82, "finance_charge": 7387.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270123, VIN 5XYPCES18VG043074. $968 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,689, before any dealer documentation fee. Amount financed $50,670, including $2,981 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,057. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPCES18VG043074_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 840, "unit": "per_month", "display": "$840/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47689.0, "price_incl_doc": 47689.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 839.5, "amount_financed": 50669.56, "sales_tax": 2980.56, "total_of_payments": 60444.13, "finance_charge": 9774.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270123, VIN 5XYPCES18VG043074. $840 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,689, before any dealer documentation fee. Amount financed $50,670, including $2,981 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,444. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 177}}, {"vin": "KNDPU3DG8V7429123", "title": "2027 Kia Sportage Hybrid S", "year": 2027, "make": "Kia", "model": "Sportage Hybrid", "trim": "S", "decoded_trim": "LX, S", "condition": "used", "price": 33973.0, "msrp": null, "sale_price": 33973.0, "currency": "USD", "mileage": 0, "exterior_color": "Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "1.6L Electric Motor", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270125", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2027, "trim": "LX, S", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDPU3DG8V7429123.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-81382b52ac1851c1f80656ff8c1d2c54.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-81382b52ac1851c1f80656ff8c1d2c54.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDPU3DG8V7429123.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDPU3DG8V7429123.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDPU3DG8V7429123.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-81382b52ac1851c1f80656ff8c1d2c54.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270125, VIN KNDPU3DG8V7429123. Advertised price: $33,973. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,973"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33973.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPU3DG8V7429123_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 831, "unit": "per_month", "display": "$831/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33973.0, "price_incl_doc": 33973.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 831.11, "amount_financed": 36096.31, "sales_tax": 2123.31, "total_of_payments": 39893.23, "finance_charge": 3796.92, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270125, VIN KNDPU3DG8V7429123. $831 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $33,973, before any dealer documentation fee. Amount financed $36,096, including $2,123 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $39,893. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPU3DG8V7429123_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 689, "unit": "per_month", "display": "$689/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33973.0, "price_incl_doc": 33973.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 689.31, "amount_financed": 36096.31, "sales_tax": 2123.31, "total_of_payments": 41358.89, "finance_charge": 5262.58, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270125, VIN KNDPU3DG8V7429123. $689 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,973, before any dealer documentation fee. Amount financed $36,096, including $2,123 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,359. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPU3DG8V7429123_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 598, "unit": "per_month", "display": "$598/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33973.0, "price_incl_doc": 33973.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 598.05, "amount_financed": 36096.31, "sales_tax": 2123.31, "total_of_payments": 43059.58, "finance_charge": 6963.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270125, VIN KNDPU3DG8V7429123. $598 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,973, before any dealer documentation fee. Amount financed $36,096, including $2,123 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,060. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42878.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPXDDG6V7420529_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1049, "unit": "per_month", "display": "$1,049/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1048.96, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 50350.05, "finance_charge": 4792.17, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270107, VIN KNDPXDDG6V7420529. $1,049 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $50,350. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG6V7420529_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 870, "unit": "per_month", "display": "$870/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 870.0, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 52199.89, "finance_charge": 6642.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270107, VIN KNDPXDDG6V7420529. $870 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,200. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG6V7420529_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 755, "unit": "per_month", "display": "$755/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 754.81, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 54346.36, "finance_charge": 8788.48, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270107, VIN KNDPXDDG6V7420529. $755 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,346. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36662.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF5TG453990_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 897, "unit": "per_month", "display": "$897/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36662.0, "price_incl_doc": 36662.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 896.89, "amount_financed": 38953.38, "sales_tax": 2291.38, "total_of_payments": 43050.83, "finance_charge": 4097.45, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260625, VIN 5XYK6CDF5TG453990. $897 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $36,662, before any dealer documentation fee. Amount financed $38,953, including $2,291 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $43,051. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF5TG453990_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 744, "unit": "per_month", "display": "$744/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36662.0, "price_incl_doc": 36662.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 743.88, "amount_financed": 38953.38, "sales_tax": 2291.38, "total_of_payments": 44632.5, "finance_charge": 5679.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260625, VIN 5XYK6CDF5TG453990. $744 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,662, before any dealer documentation fee. Amount financed $38,953, including $2,291 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,632. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF5TG453990_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 645, "unit": "per_month", "display": "$645/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36662.0, "price_incl_doc": 36662.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 645.39, "amount_financed": 38953.38, "sales_tax": 2291.38, "total_of_payments": 46467.8, "finance_charge": 7514.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260625, VIN 5XYK6CDF5TG453990. $645 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,662, before any dealer documentation fee. Amount financed $38,953, including $2,291 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,468. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 225}}, {"vin": "7YAPEDDG3VY003085", "title": "2027 Kia Sportage Hybrid SX\\-Prestige", "year": 2027, "make": "Kia", "model": "Sportage Hybrid", "trim": "SX\\-Prestige", "decoded_trim": "SX-P, SX-Prestige", "condition": "used", "price": 42878.0, "msrp": null, "sale_price": 42878.0, "currency": "USD", "mileage": 0, "exterior_color": "Gray", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "1.6L Electric Motor", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270134", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2027, "trim": "SX-P, SX-Prestige", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/7YAPEDDG3VY003085.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-95d19cd0ac1839ba6a4280d5436eeef5.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-95d19cd0ac1839ba6a4280d5436eeef5.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/7YAPEDDG3VY003085.html", "json_url": "https://ai.castlekiamchenry.com/v/7YAPEDDG3VY003085.json", "markdown_url": "https://ai.castlekiamchenry.com/v/7YAPEDDG3VY003085.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-95d19cd0ac1839ba6a4280d5436eeef5.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270134, VIN 7YAPEDDG3VY003085. Advertised price: $42,878. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,878"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42878.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7YAPEDDG3VY003085_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1049, "unit": "per_month", "display": "$1,049/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1048.96, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 50350.05, "finance_charge": 4792.17, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270134, VIN 7YAPEDDG3VY003085. $1,049 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $50,350. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7YAPEDDG3VY003085_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 870, "unit": "per_month", "display": "$870/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 870.0, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 52199.89, "finance_charge": 6642.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270134, VIN 7YAPEDDG3VY003085. $870 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,200. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7YAPEDDG3VY003085_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 755, "unit": "per_month", "display": "$755/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42878.0, "price_incl_doc": 42878.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 754.81, "amount_financed": 45557.88, "sales_tax": 2679.88, "total_of_payments": 54346.36, "finance_charge": 8788.48, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270134, VIN 7YAPEDDG3VY003085. $755 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,878, before any dealer documentation fee. Amount financed $45,558, including $2,680 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,346. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPUDDG6T7366591_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 797, "unit": "per_month", "display": "$797/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32588.0, "price_incl_doc": 32588.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 797.23, "amount_financed": 34624.75, "sales_tax": 2036.75, "total_of_payments": 38266.88, "finance_charge": 3642.13, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260500, VIN KNDPUDDG6T7366591. $797 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,588, before any dealer documentation fee. Amount financed $34,625, including $2,037 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $38,267. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPUDDG6T7366591_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 661, "unit": "per_month", "display": "$661/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32588.0, "price_incl_doc": 32588.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 661.21, "amount_financed": 34624.75, "sales_tax": 2036.75, "total_of_payments": 39672.79, "finance_charge": 5048.04, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260500, VIN KNDPUDDG6T7366591. $661 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,588, before any dealer documentation fee. Amount financed $34,625, including $2,037 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,673. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPUDDG6T7366591_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 574, "unit": "per_month", "display": "$574/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32588.0, "price_incl_doc": 32588.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 573.67, "amount_financed": 34624.75, "sales_tax": 2036.75, "total_of_payments": 41304.14, "finance_charge": 6679.39, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260500, VIN KNDPUDDG6T7366591. $574 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,588, before any dealer documentation fee. Amount financed $34,625, including $2,037 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,304. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 216}}, {"vin": "KNDPUDDG8T7375891", "title": "2026 Kia Sportage Hybrid S", "year": 2026, "make": "Kia", "model": "Sportage Hybrid", "trim": "S", "decoded_trim": "LX, S", "condition": "used", "price": 33040.0, "msrp": null, "sale_price": 33040.0, "currency": "USD", "mileage": 1350, "exterior_color": "Wolf Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "1.6L Turbo GDI 4-Cylinder", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260489", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", 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an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-Hybrid-be2dc285ac1840287e96547580478211.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDPUDDG8T7375891.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDPUDDG8T7375891.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDPUDDG8T7375891.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-Hybrid-be2dc285ac1840287e96547580478211.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260489, VIN KNDPUDDG8T7375891. Advertised price: $33,040. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,040"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33040.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPUDDG8T7375891_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 808, "unit": "per_month", "display": "$808/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33040.0, "price_incl_doc": 33040.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.28, "amount_financed": 35105.0, "sales_tax": 2065.0, "total_of_payments": 38797.65, "finance_charge": 3692.65, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260489, VIN KNDPUDDG8T7375891. $808 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $33,040, before any dealer documentation fee. Amount financed $35,105, including $2,065 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $38,798. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPUDDG8T7375891_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 670, "unit": "per_month", "display": "$670/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33040.0, "price_incl_doc": 33040.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 670.38, "amount_financed": 35105.0, "sales_tax": 2065.0, "total_of_payments": 40223.06, "finance_charge": 5118.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260489, VIN KNDPUDDG8T7375891. $670 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,040, before any dealer documentation fee. Amount financed $35,105, including $2,065 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,223. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33040.0, "price_incl_doc": 33040.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.63, "amount_financed": 35105.0, "sales_tax": 2065.0, "total_of_payments": 41877.04, "finance_charge": 6772.04, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260489, VIN KNDPUDDG8T7375891. $582 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,040, before any dealer documentation fee. Amount financed $35,105, including $2,065 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,877. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 232}}, {"vin": "KNDPXDDG6V7419753", "title": "2027 Kia Sportage Hybrid SX\\-Prestige", "year": 2027, "make": "Kia", "model": "Sportage Hybrid", "trim": "SX\\-Prestige", "decoded_trim": "SX-P, SX-Prestige", "condition": "used", "price": 43373.0, "msrp": null, "sale_price": 43373.0, "currency": "USD", "mileage": 0, "exterior_color": "Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "1.6L Electric Motor", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270108", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://service.secureoffersites.com/images/GetEvoxImage?styleid=0", "images": ["https://service.secureoffersites.com/images/GetEvoxImage?styleid=0"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2027, "trim": "SX-P, SX-Prestige", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDPXDDG6V7419753.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-436a6c0cac18494f4214ccec6851282f.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-436a6c0cac18494f4214ccec6851282f.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDPXDDG6V7419753.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDPXDDG6V7419753.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDPXDDG6V7419753.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-436a6c0cac18494f4214ccec6851282f.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270108, VIN KNDPXDDG6V7419753. Advertised price: $43,373. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$43,373"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43373.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPXDDG6V7419753_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1061, "unit": "per_month", "display": "$1,061/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43373.0, "price_incl_doc": 43373.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1061.07, "amount_financed": 46083.81, "sales_tax": 2710.81, "total_of_payments": 50931.3, "finance_charge": 4847.49, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270108, VIN KNDPXDDG6V7419753. $1,061 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $43,373, before any dealer documentation fee. Amount financed $46,084, including $2,711 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $50,931. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG6V7419753_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 880, "unit": "per_month", "display": "$880/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43373.0, "price_incl_doc": 43373.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 880.04, "amount_financed": 46083.81, "sales_tax": 2710.81, "total_of_payments": 52802.5, "finance_charge": 6718.69, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270108, VIN KNDPXDDG6V7419753. $880 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,373, before any dealer documentation fee. Amount financed $46,084, including $2,711 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,802. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG6V7419753_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 764, "unit": "per_month", "display": "$764/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43373.0, "price_incl_doc": 43373.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 763.52, "amount_financed": 46083.81, "sales_tax": 2710.81, "total_of_payments": 54973.75, "finance_charge": 8889.94, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270108, VIN KNDPXDDG6V7419753. $764 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,373, before any dealer documentation fee. Amount financed $46,084, including $2,711 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,974. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 236}}, {"vin": "KNDPXDDG8V7410617", "title": "2027 Kia Sportage Hybrid SX\\-Prestige", "year": 2027, "make": "Kia", "model": "Sportage Hybrid", "trim": "SX\\-Prestige", "decoded_trim": "SX-P, SX-Prestige", "condition": "used", "price": 43373.0, "msrp": null, "sale_price": 43373.0, "currency": "USD", "mileage": 0, "exterior_color": "Snow White", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "1.6L Electric Motor", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270100", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://service.secureoffersites.com/images/GetEvoxImage?styleid=0", "images": ["https://service.secureoffersites.com/images/GetEvoxImage?styleid=0"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2027, "trim": "SX-P, SX-Prestige", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDPXDDG8V7410617.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-29aad50dac18424fa430750e0ae4ad0b.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-29aad50dac18424fa430750e0ae4ad0b.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDPXDDG8V7410617.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDPXDDG8V7410617.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDPXDDG8V7410617.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Sportage-Hybrid-29aad50dac18424fa430750e0ae4ad0b.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270100, VIN KNDPXDDG8V7410617. Advertised price: $43,373. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$43,373"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43373.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPXDDG8V7410617_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1061, "unit": "per_month", "display": "$1,061/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43373.0, "price_incl_doc": 43373.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1061.07, "amount_financed": 46083.81, "sales_tax": 2710.81, "total_of_payments": 50931.3, "finance_charge": 4847.49, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270100, VIN KNDPXDDG8V7410617. $1,061 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $43,373, before any dealer documentation fee. Amount financed $46,084, including $2,711 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $50,931. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG8V7410617_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 880, "unit": "per_month", "display": "$880/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43373.0, "price_incl_doc": 43373.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 880.04, "amount_financed": 46083.81, "sales_tax": 2710.81, "total_of_payments": 52802.5, "finance_charge": 6718.69, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270100, VIN KNDPXDDG8V7410617. $880 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,373, before any dealer documentation fee. Amount financed $46,084, including $2,711 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,802. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPXDDG8V7410617_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 764, "unit": "per_month", "display": "$764/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43373.0, "price_incl_doc": 43373.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 763.52, "amount_financed": 46083.81, "sales_tax": 2710.81, "total_of_payments": 54973.75, "finance_charge": 8889.94, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270100, VIN KNDPXDDG8V7410617. $764 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,373, before any dealer documentation fee. Amount financed $46,084, including $2,711 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,974. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34630.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF4TG402836_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 847, "unit": "per_month", "display": "$847/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34630.0, "price_incl_doc": 34630.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 847.18, "amount_financed": 36794.38, "sales_tax": 2164.38, "total_of_payments": 40664.73, "finance_charge": 3870.35, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260240, VIN 5XYK6CDF4TG402836. $847 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $34,630, before any dealer documentation fee. Amount financed $36,794, including $2,164 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $40,665. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34630.0, "price_incl_doc": 34630.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.65, "amount_financed": 36794.38, "sales_tax": 2164.38, "total_of_payments": 42158.74, "finance_charge": 5364.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260240, VIN 5XYK6CDF4TG402836. $703 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,630, before any dealer documentation fee. Amount financed $36,794, including $2,164 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,159. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34630.0, "price_incl_doc": 34630.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.62, "amount_financed": 36794.38, "sales_tax": 2164.38, "total_of_payments": 43892.31, "finance_charge": 7097.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260240, VIN 5XYK6CDF4TG402836. $610 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,630, before any dealer documentation fee. Amount financed $36,794, including $2,164 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,892. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPVDDG7T7352132_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 879, "unit": "per_month", "display": "$879/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPVDDG7T7352132_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 729, "unit": "per_month", "display": "$729/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35934.0, "price_incl_doc": 35934.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 729.1, "amount_financed": 38179.88, "sales_tax": 2245.88, "total_of_payments": 43746.23, "finance_charge": 5566.35, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260382, VIN KNDPVDDG7T7352132. $729 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,934, before any dealer documentation fee. Amount financed $38,180, including $2,246 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,746. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPVDDG7T7352132_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 633, "unit": "per_month", "display": "$633/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35934.0, "price_incl_doc": 35934.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.57, "amount_financed": 38179.88, "sales_tax": 2245.88, "total_of_payments": 45545.09, "finance_charge": 7365.21, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260382, VIN KNDPVDDG7T7352132. $633 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,934, before any dealer documentation fee. Amount financed $38,180, including $2,246 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,545. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 192}}, {"vin": "5XYK6CDF6TG455523", "title": "2026 Kia Sportage X\\-Line", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "X\\-Line", "decoded_trim": "X-LINE", "condition": "used", "price": 34282.0, "msrp": null, "sale_price": 34282.0, "currency": "USD", "mileage": 1350, "exterior_color": "Panthera Metal", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260627", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/4ba43ccbc8f04201aff85a6c40d4408d.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/4ba43ccbc8f04201aff85a6c40d4408d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41c1f395279a4f269fa0a871ba30a6d2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/070c9ea3f6b7481f81d20806b65c5374.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/21afee99b1634dfc810b81faf7475943.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/37dd1542138c4ae78ac7ae5142b1d918.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a7eb26e330684068a41c33da0f7e7aed.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/95a659f13e4e4150bf18d461b5fd69e7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/754ed82886d24dbc8585edc9022d65e3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/834c45b5939b4d3490d8b886ff0b3748.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/acef0142d45a4ce893c171cf823dc9ed.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/67b0c40e6d14437b9cd5ee6685bfbd82.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4210b7dac77a473eba47022076c4784e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e5471be5dec348aea5071a406bce7c18.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d3677404400142658c1e4d1887ae5b8a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/381fa105a3264f5997be03a4686559e1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/56ae7fae7c5f4623927c59537870e146.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/30444906065a45699ef15310dc2e624a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8584a651de364ce9a31c710c348950d3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9d74051108c74d39b59bbd435910e3d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8d4f8c1c59bc45bd852664d715d4b180.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e2c86eb9aafc4a08b422399c71923a24.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f45b4ef98b7f448787e7683427e5794b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7fa2721023b9436fb58b08e9c19ef5b6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b295e9044546423a8474c46280e51f56.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48ee376459de4fe49cc244925fb6f8ac.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ccbe5ebabe8f4de4a5ca6150b59a18eb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6bdc2300e4f1483b9d431a296a4c2e4f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/df64a7376b614391a71fbe5137439faa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed29e6c7bd334452ab4d83c72de8c94f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c840e74d651d4613a82b3f4fa4d6cf97.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e9bce51887994bd5874f6b388337a00a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/988eb1f5abf646b4b9ae7c5991ea7012.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b6ed9d3a8ed94907ba7ab41b29ab8688.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48cb46e458584af5923188b2a601ac40.jpg"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "X-LINE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYK6CDF6TG455523.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-d741de5fac180c84093907668785a61e.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-d741de5fac180c84093907668785a61e.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK6CDF6TG455523.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF6TG455523.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF6TG455523.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-d741de5fac180c84093907668785a61e.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260627, VIN 5XYK6CDF6TG455523. Advertised price: $34,282. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,282"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34282.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF6TG455523_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 839, "unit": "per_month", "display": "$839/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34282.0, "price_incl_doc": 34282.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 838.67, "amount_financed": 36424.63, "sales_tax": 2142.63, "total_of_payments": 40256.09, "finance_charge": 3831.46, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260627, VIN 5XYK6CDF6TG455523. $839 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $34,282, before any dealer documentation fee. Amount financed $36,425, including $2,143 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $40,256. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF6TG455523_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 696, "unit": "per_month", "display": "$696/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34282.0, "price_incl_doc": 34282.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 695.58, "amount_financed": 36424.63, "sales_tax": 2142.63, "total_of_payments": 41735.08, "finance_charge": 5310.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260627, VIN 5XYK6CDF6TG455523. $696 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,282, before any dealer documentation fee. Amount financed $36,425, including $2,143 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,735. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF6TG455523_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 603, "unit": "per_month", "display": "$603/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34282.0, "price_incl_doc": 34282.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 603.49, "amount_financed": 36424.63, "sales_tax": 2142.63, "total_of_payments": 43451.24, "finance_charge": 7026.61, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260627, VIN 5XYK6CDF6TG455523. $603 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,282, before any dealer documentation fee. Amount financed $36,425, including $2,143 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,451. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPVDDG7V7421386_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 883, "unit": "per_month", "display": "$883/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36078.0, "price_incl_doc": 36078.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 882.61, "amount_financed": 38332.88, "sales_tax": 2254.88, "total_of_payments": 42365.06, "finance_charge": 4032.18, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270129, VIN KNDPVDDG7V7421386. $883 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $36,078, before any dealer documentation fee. Amount financed $38,333, including $2,255 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $42,365. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPVDDG7V7421386_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 732, "unit": "per_month", "display": "$732/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36078.0, "price_incl_doc": 36078.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 732.03, "amount_financed": 38332.88, "sales_tax": 2254.88, "total_of_payments": 43921.54, "finance_charge": 5588.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270129, VIN KNDPVDDG7V7421386. $732 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,078, before any dealer documentation fee. Amount financed $38,333, including $2,255 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,922. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPVDDG7V7421386_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 635, "unit": "per_month", "display": "$635/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36078.0, "price_incl_doc": 36078.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 635.11, "amount_financed": 38332.88, "sales_tax": 2254.88, "total_of_payments": 45727.6, "finance_charge": 7394.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270129, VIN KNDPVDDG7V7421386. $635 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,078, before any dealer documentation fee. Amount financed $38,333, including $2,255 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,728. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,773"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34773.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF2TG427122_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 851, "unit": "per_month", "display": "$851/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34773.0, "price_incl_doc": 34773.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 850.68, "amount_financed": 36946.31, "sales_tax": 2173.31, "total_of_payments": 40832.64, "finance_charge": 3886.33, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260469, VIN 5XYK6CDF2TG427122. $851 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $34,773, before any dealer documentation fee. Amount financed $36,946, including $2,173 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $40,833. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34773.0, "price_incl_doc": 34773.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 705.55, "amount_financed": 36946.31, "sales_tax": 2173.31, "total_of_payments": 42332.82, "finance_charge": 5386.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260469, VIN 5XYK6CDF2TG427122. $706 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,773, before any dealer documentation fee. Amount financed $36,946, including $2,173 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,333. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34773.0, "price_incl_doc": 34773.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 612.13, "amount_financed": 36946.31, "sales_tax": 2173.31, "total_of_payments": 44073.55, "finance_charge": 7127.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260469, VIN 5XYK6CDF2TG427122. $612 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,773, before any dealer documentation fee. Amount financed $36,946, including $2,173 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,074. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33773.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33773.0, "price_incl_doc": 33773.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 826.22, "amount_financed": 35883.81, "sales_tax": 2110.81, "total_of_payments": 39658.38, "finance_charge": 3774.57, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260302, VIN KNDPVDDG8T7347747. $826 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $33,773, before any dealer documentation fee. Amount financed $35,884, including $2,111 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $39,658. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33773.0, "price_incl_doc": 33773.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 685.26, "amount_financed": 35883.81, "sales_tax": 2110.81, "total_of_payments": 41115.41, "finance_charge": 5231.6, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260302, VIN KNDPVDDG8T7347747. $685 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,773, before any dealer documentation fee. Amount financed $35,884, including $2,111 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,115. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37978.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPVDDG8V7417251_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 929, "unit": "per_month", "display": "$929/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37978.0, "price_incl_doc": 37978.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 929.09, "amount_financed": 40351.63, "sales_tax": 2373.63, "total_of_payments": 44596.16, "finance_charge": 4244.53, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270103, VIN KNDPVDDG8V7417251. $929 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $37,978, before any dealer documentation fee. Amount financed $40,352, including $2,374 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $44,596. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37978.0, "price_incl_doc": 37978.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 770.58, "amount_financed": 40351.63, "sales_tax": 2373.63, "total_of_payments": 46234.61, "finance_charge": 5882.98, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270103, VIN KNDPVDDG8V7417251. $771 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,978, before any dealer documentation fee. Amount financed $40,352, including $2,374 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,235. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34159.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33478.0, "price_incl_doc": 33478.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 819.0, "amount_financed": 35570.38, "sales_tax": 2092.38, "total_of_payments": 39311.98, "finance_charge": 3741.6, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270102, VIN KNDPU3DG6V7412160. $819 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $33,478, before any dealer documentation fee. Amount financed $35,570, including $2,092 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $39,312. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPU3DG6V7412160_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 679, "unit": "per_month", "display": "$679/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33478.0, "price_incl_doc": 33478.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 679.27, "amount_financed": 35570.38, "sales_tax": 2092.38, "total_of_payments": 40756.29, "finance_charge": 5185.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270102, VIN KNDPU3DG6V7412160. $679 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,478, before any dealer documentation fee. Amount financed $35,570, including $2,092 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,756. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPU3DG6V7412160_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33478.0, "price_incl_doc": 33478.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.34, "amount_financed": 35570.38, "sales_tax": 2092.38, "total_of_payments": 42432.19, "finance_charge": 6861.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270102, VIN KNDPU3DG6V7412160. $589 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,478, before any dealer documentation fee. Amount financed $35,570, including $2,092 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,432. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34282.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34282.0, "price_incl_doc": 34282.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 695.58, "amount_financed": 36424.63, "sales_tax": 2142.63, "total_of_payments": 41735.08, "finance_charge": 5310.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260582, VIN 5XYK6CDF6TG450385. $696 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,282, before any dealer documentation fee. Amount financed $36,425, including $2,143 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,735. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK5CDF4TG464479_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 934, "unit": "per_month", "display": "$934/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38181.0, "price_incl_doc": 38181.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 934.05, "amount_financed": 40567.31, "sales_tax": 2386.31, "total_of_payments": 44834.53, "finance_charge": 4267.22, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260662, VIN 5XYK5CDF4TG464479. $934 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $38,181, before any dealer documentation fee. Amount financed $40,567, including $2,386 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $44,835. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK5CDF4TG464479_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 775, "unit": "per_month", "display": "$775/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38181.0, "price_incl_doc": 38181.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 774.7, "amount_financed": 40567.31, "sales_tax": 2386.31, "total_of_payments": 46481.73, "finance_charge": 5914.42, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260662, VIN 5XYK5CDF4TG464479. $775 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,181, before any dealer documentation fee. Amount financed $40,567, including $2,386 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,482. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK5CDF4TG464479_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 672, "unit": "per_month", "display": "$672/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38181.0, "price_incl_doc": 38181.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 672.13, "amount_financed": 40567.31, "sales_tax": 2386.31, "total_of_payments": 48393.07, "finance_charge": 7825.76, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260662, VIN 5XYK5CDF4TG464479. $672 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,181, before any dealer documentation fee. Amount financed $40,567, including $2,386 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,393. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 201}}, {"vin": "5XYK6CDF4TG396455", "title": "2026 Kia Sportage X\\-Line", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "X\\-Line", "decoded_trim": "X-LINE", "condition": "used", "price": 34630.0, "msrp": null, "sale_price": 34630.0, "currency": "USD", "mileage": 1350, "exterior_color": "Wolf Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260204", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260204, VIN 5XYK6CDF4TG396455. Advertised price: $34,630. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,630"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34630.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF4TG396455_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 847, "unit": "per_month", "display": "$847/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34630.0, "price_incl_doc": 34630.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 847.18, "amount_financed": 36794.38, "sales_tax": 2164.38, "total_of_payments": 40664.73, "finance_charge": 3870.35, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260204, VIN 5XYK6CDF4TG396455. $847 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $34,630, before any dealer documentation fee. Amount financed $36,794, including $2,164 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $40,665. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF4TG396455_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 703, "unit": "per_month", "display": "$703/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34630.0, "price_incl_doc": 34630.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 702.65, "amount_financed": 36794.38, "sales_tax": 2164.38, "total_of_payments": 42158.74, "finance_charge": 5364.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260204, VIN 5XYK6CDF4TG396455. $703 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,630, before any dealer documentation fee. Amount financed $36,794, including $2,164 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,159. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF4TG396455_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 610, "unit": "per_month", "display": "$610/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34630.0, "price_incl_doc": 34630.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.62, "amount_financed": 36794.38, "sales_tax": 2164.38, "total_of_payments": 43892.31, "finance_charge": 7097.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260204, VIN 5XYK6CDF4TG396455. $610 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,630, before any dealer documentation fee. Amount financed $36,794, including $2,164 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,892. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30870.0, "price_incl_doc": 30870.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.2, "amount_financed": 32799.38, "sales_tax": 1929.38, "total_of_payments": 36249.5, "finance_charge": 3450.12, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260601, VIN 5XYK2CDFXTG442432. $755 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,870, before any dealer documentation fee. Amount financed $32,799, including $1,929 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,250. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK2CDFXTG442432_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 626, "unit": "per_month", "display": "$626/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30870.0, "price_incl_doc": 30870.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 626.35, "amount_financed": 32799.38, "sales_tax": 1929.38, "total_of_payments": 37581.29, "finance_charge": 4781.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260601, VIN 5XYK2CDFXTG442432. $626 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,870, before any dealer documentation fee. Amount financed $32,799, including $1,929 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,581. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK2CDFXTG442432_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 543, "unit": "per_month", "display": "$543/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30870.0, "price_incl_doc": 30870.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 543.43, "amount_financed": 32799.38, "sales_tax": 1929.38, "total_of_payments": 39126.65, "finance_charge": 6327.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260601, VIN 5XYK2CDFXTG442432. $543 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,870, before any dealer documentation fee. Amount financed $32,799, including $1,929 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,127. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,710"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37710.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK5CDF2TG446689_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 923, "unit": "per_month", "display": "$923/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37710.0, "price_incl_doc": 37710.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 922.53, "amount_financed": 40066.88, "sales_tax": 2356.88, "total_of_payments": 44281.46, "finance_charge": 4214.58, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260603, VIN 5XYK5CDF2TG446689. $923 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $37,710, before any dealer documentation fee. Amount financed $40,067, including $2,357 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $44,281. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK5CDF2TG446689_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 765, "unit": "per_month", "display": "$765/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37710.0, "price_incl_doc": 37710.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 765.14, "amount_financed": 40066.88, "sales_tax": 2356.88, "total_of_payments": 45908.34, "finance_charge": 5841.46, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260603, VIN 5XYK5CDF2TG446689. $765 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,710, before any dealer documentation fee. Amount financed $40,067, including $2,357 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,908. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,854"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32854.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32854.0, "price_incl_doc": 32854.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 803.73, "amount_financed": 34907.38, "sales_tax": 2053.38, "total_of_payments": 38579.24, "finance_charge": 3671.86, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260598, VIN 5XYK6CDF7TG452789. $804 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,854, before any dealer documentation fee. Amount financed $34,907, including $2,053 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $38,579. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32854.0, "price_incl_doc": 32854.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 666.61, "amount_financed": 34907.38, "sales_tax": 2053.38, "total_of_payments": 39996.62, "finance_charge": 5089.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260598, VIN 5XYK6CDF7TG452789. $667 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,854, before any dealer documentation fee. Amount financed $34,907, including $2,053 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,997. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34540.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF4TG467671_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 845, "unit": "per_month", "display": "$845/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34540.0, "price_incl_doc": 34540.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 844.98, "amount_financed": 36698.75, "sales_tax": 2158.75, "total_of_payments": 40559.04, "finance_charge": 3860.29, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260673, VIN 5XYK6CDF4TG467671. $845 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $34,540, before any dealer documentation fee. Amount financed $36,699, including $2,159 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $40,559. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34540.0, "price_incl_doc": 34540.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 700.82, "amount_financed": 36698.75, "sales_tax": 2158.75, "total_of_payments": 42049.16, "finance_charge": 5350.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260673, VIN 5XYK6CDF4TG467671. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,540, before any dealer documentation fee. Amount financed $36,699, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,049. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34540.0, "price_incl_doc": 34540.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.03, "amount_financed": 36698.75, "sales_tax": 2158.75, "total_of_payments": 43778.24, "finance_charge": 7079.49, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260673, VIN 5XYK6CDF4TG467671. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,540, before any dealer documentation fee. Amount financed $36,699, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,778. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 174}}, {"vin": "5XYK2CDF8TG463327", "title": "2026 Kia Sportage LX", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "LX", "decoded_trim": "LX", "condition": "used", "price": 31446.0, "msrp": null, "sale_price": 31446.0, "currency": "USD", "mileage": 1350, "exterior_color": "Ebony Black", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260659", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "LX", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYK2CDF8TG463327.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-6ccac58eac1824b1018118ba88f6b0a5.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-6ccac58eac1824b1018118ba88f6b0a5.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK2CDF8TG463327.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK2CDF8TG463327.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK2CDF8TG463327.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-6ccac58eac1824b1018118ba88f6b0a5.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260659, VIN 5XYK2CDF8TG463327. Advertised price: $31,446. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,446"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31446.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK2CDF8TG463327_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 769, "unit": "per_month", "display": "$769/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31446.0, "price_incl_doc": 31446.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 769.29, "amount_financed": 33411.38, "sales_tax": 1965.38, "total_of_payments": 36925.88, "finance_charge": 3514.5, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260659, VIN 5XYK2CDF8TG463327. $769 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $31,446, before any dealer documentation fee. Amount financed $33,411, including $1,965 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,926. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK2CDF8TG463327_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 638, "unit": "per_month", "display": "$638/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31446.0, "price_incl_doc": 31446.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 638.04, "amount_financed": 33411.38, "sales_tax": 1965.38, "total_of_payments": 38282.52, "finance_charge": 4871.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260659, VIN 5XYK2CDF8TG463327. $638 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,446, before any dealer documentation fee. Amount financed $33,411, including $1,965 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,283. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK2CDF8TG463327_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 554, "unit": "per_month", "display": "$554/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31446.0, "price_incl_doc": 31446.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.57, "amount_financed": 33411.38, "sales_tax": 1965.38, "total_of_payments": 39856.71, "finance_charge": 6445.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260659, VIN 5XYK2CDF8TG463327. $554 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,446, before any dealer documentation fee. Amount financed $33,411, including $1,965 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,857. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 162}}, {"vin": "5XYK6CDF9TG463034", "title": "2026 Kia Sportage X\\-Line", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "X\\-Line", "decoded_trim": "X-LINE", "condition": "used", "price": 32854.0, "msrp": null, "sale_price": 32854.0, "currency": "USD", "mileage": 1350, "exterior_color": "Ebony Black", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260655", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "X-LINE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYK6CDF9TG463034.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-61e23e13ac181bfc6c479faddf95d7ff.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-61e23e13ac181bfc6c479faddf95d7ff.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK6CDF9TG463034.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF9TG463034.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF9TG463034.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-61e23e13ac181bfc6c479faddf95d7ff.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260655, VIN 5XYK6CDF9TG463034. Advertised price: $32,854. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,854"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32854.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF9TG463034_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 804, "unit": "per_month", "display": "$804/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32854.0, "price_incl_doc": 32854.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 803.73, "amount_financed": 34907.38, "sales_tax": 2053.38, "total_of_payments": 38579.24, "finance_charge": 3671.86, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260655, VIN 5XYK6CDF9TG463034. $804 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,854, before any dealer documentation fee. Amount financed $34,907, including $2,053 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $38,579. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF9TG463034_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 667, "unit": "per_month", "display": "$667/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32854.0, "price_incl_doc": 32854.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 666.61, "amount_financed": 34907.38, "sales_tax": 2053.38, "total_of_payments": 39996.62, "finance_charge": 5089.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260655, VIN 5XYK6CDF9TG463034. $667 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,854, before any dealer documentation fee. Amount financed $34,907, including $2,053 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,997. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF9TG463034_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 578, "unit": "per_month", "display": "$578/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32854.0, "price_incl_doc": 32854.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 578.35, "amount_financed": 34907.38, "sales_tax": 2053.38, "total_of_payments": 41641.3, "finance_charge": 6733.92, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260655, VIN 5XYK6CDF9TG463034. $578 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,854, before any dealer documentation fee. Amount financed $34,907, including $2,053 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,641. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-f10634e2ac18518c500bfccb6d812193.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK2CDF3TG459203.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK2CDF3TG459203.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK2CDF3TG459203.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-f10634e2ac18518c500bfccb6d812193.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260634, VIN 5XYK2CDF3TG459203. Advertised price: $31,236. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,236"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31236.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK2CDF3TG459203_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 764, "unit": "per_month", "display": "$764/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31236.0, "price_incl_doc": 31236.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 764.15, "amount_financed": 33188.25, "sales_tax": 1952.25, "total_of_payments": 36679.28, "finance_charge": 3491.03, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260634, VIN 5XYK2CDF3TG459203. $764 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $31,236, before any dealer documentation fee. Amount financed $33,188, including $1,952 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,679. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK2CDF3TG459203_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31236.0, "price_incl_doc": 31236.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 633.78, "amount_financed": 33188.25, "sales_tax": 1952.25, "total_of_payments": 38026.86, "finance_charge": 4838.61, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260634, VIN 5XYK2CDF3TG459203. $634 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,236, before any dealer documentation fee. Amount financed $33,188, including $1,952 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,027. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK2CDF3TG459203_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 550, "unit": "per_month", "display": "$550/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31236.0, "price_incl_doc": 31236.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.87, "amount_financed": 33188.25, "sales_tax": 1952.25, "total_of_payments": 39590.53, "finance_charge": 6402.28, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260634, VIN 5XYK2CDF3TG459203. $550 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,236, before any dealer documentation fee. Amount financed $33,188, including $1,952 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,591. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28761.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30474.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK2CDF0TG457568_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 746, "unit": "per_month", "display": "$746/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK2CDF0TG457568_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 618, "unit": "per_month", "display": "$618/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30474.0, "price_incl_doc": 30474.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 618.32, "amount_financed": 32378.63, "sales_tax": 1904.63, "total_of_payments": 37099.2, "finance_charge": 4720.57, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260652, VIN 5XYK2CDF0TG457568. $618 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,474, before any dealer documentation fee. Amount financed $32,379, including $1,905 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,099. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK2CDF0TG457568_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 536, "unit": "per_month", "display": "$536/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30474.0, "price_incl_doc": 30474.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 536.45, "amount_financed": 32378.63, "sales_tax": 1904.63, "total_of_payments": 38624.73, "finance_charge": 6246.1, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260652, VIN 5XYK2CDF0TG457568. $536 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,474, before any dealer documentation fee. Amount financed $32,379, including $1,905 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,625. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34178.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK3CDF5TG463587_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 836, "unit": "per_month", "display": "$836/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34178.0, "price_incl_doc": 34178.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 836.12, "amount_financed": 36314.13, "sales_tax": 2136.13, "total_of_payments": 40133.97, "finance_charge": 3819.84, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260658, VIN 5XYK3CDF5TG463587. $836 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $34,178, before any dealer documentation fee. Amount financed $36,314, including $2,136 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $40,134. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF5TG463587_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 693, "unit": "per_month", "display": "$693/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34178.0, "price_incl_doc": 34178.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 693.47, "amount_financed": 36314.13, "sales_tax": 2136.13, "total_of_payments": 41608.47, "finance_charge": 5294.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260658, VIN 5XYK3CDF5TG463587. $693 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,178, before any dealer documentation fee. Amount financed $36,314, including $2,136 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,608. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF5TG463587_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 602, "unit": "per_month", "display": "$602/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34178.0, "price_incl_doc": 34178.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 601.66, "amount_financed": 36314.13, "sales_tax": 2136.13, "total_of_payments": 43319.42, "finance_charge": 7005.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260658, VIN 5XYK3CDF5TG463587. $602 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,178, before any dealer documentation fee. Amount financed $36,314, including $2,136 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,319. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32188.0, "price_incl_doc": 32188.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 787.44, "amount_financed": 34199.75, "sales_tax": 2011.75, "total_of_payments": 37797.18, "finance_charge": 3597.43, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260605, VIN 5XYK3CDF0TG453338. $787 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,188, before any dealer documentation fee. Amount financed $34,200, including $2,012 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $37,797. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF0TG453338_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 653, "unit": "per_month", "display": "$653/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32188.0, "price_incl_doc": 32188.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.1, "amount_financed": 34199.75, "sales_tax": 2011.75, "total_of_payments": 39185.83, "finance_charge": 4986.08, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260605, VIN 5XYK3CDF0TG453338. $653 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,188, before any dealer documentation fee. Amount financed $34,200, including $2,012 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,186. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF0TG453338_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 567, "unit": "per_month", "display": "$567/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32188.0, "price_incl_doc": 32188.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 566.63, "amount_financed": 34199.75, "sales_tax": 2011.75, "total_of_payments": 40797.16, "finance_charge": 6597.41, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260605, VIN 5XYK3CDF0TG453338. $567 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,188, before any dealer documentation fee. Amount financed $34,200, including $2,012 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,797. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-29aade9eac18424fa430750e6bb2b3d3.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK33DF0TG460449.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK33DF0TG460449.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK33DF0TG460449.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-29aade9eac18424fa430750e6bb2b3d3.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,293"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32293.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK33DF0TG460449_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 790, "unit": "per_month", "display": "$790/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32293.0, "price_incl_doc": 32293.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 790.01, "amount_financed": 34311.31, "sales_tax": 2018.31, "total_of_payments": 37920.47, "finance_charge": 3609.16, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260646, VIN 5XYK33DF0TG460449. $790 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,293, before any dealer documentation fee. Amount financed $34,311, including $2,018 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $37,920. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK33DF0TG460449_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 655, "unit": "per_month", "display": "$655/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32293.0, "price_incl_doc": 32293.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 655.23, "amount_financed": 34311.31, "sales_tax": 2018.31, "total_of_payments": 39313.65, "finance_charge": 5002.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260646, VIN 5XYK33DF0TG460449. $655 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,293, before any dealer documentation fee. Amount financed $34,311, including $2,018 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,314. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32293.0, "price_incl_doc": 32293.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 568.48, "amount_financed": 34311.31, "sales_tax": 2018.31, "total_of_payments": 40930.24, "finance_charge": 6618.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260646, VIN 5XYK33DF0TG460449. $568 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,293, before any dealer documentation fee. Amount financed $34,311, including $2,018 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,930. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK3CDF9TG418829_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 814, "unit": "per_month", "display": "$814/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33259.0, "price_incl_doc": 33259.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 813.64, "amount_financed": 35337.69, "sales_tax": 2078.69, "total_of_payments": 39054.81, "finance_charge": 3717.12, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260387, VIN 5XYK3CDF9TG418829. $814 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $33,259, before any dealer documentation fee. Amount financed $35,338, including $2,079 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $39,055. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF9TG418829_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 675, "unit": "per_month", "display": "$675/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33259.0, "price_incl_doc": 33259.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 674.83, "amount_financed": 35337.69, "sales_tax": 2078.69, "total_of_payments": 40489.67, "finance_charge": 5151.98, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260387, VIN 5XYK3CDF9TG418829. $675 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,259, before any dealer documentation fee. Amount financed $35,338, including $2,079 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,490. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF9TG418829_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 585, "unit": "per_month", "display": "$585/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33259.0, "price_incl_doc": 33259.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.48, "amount_financed": 35337.69, "sales_tax": 2078.69, "total_of_payments": 42154.62, "finance_charge": 6816.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260387, VIN 5XYK3CDF9TG418829. $585 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,259, before any dealer documentation fee. Amount financed $35,338, including $2,079 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,155. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 26, "elapsed_ms": 190}}, {"vin": "5XYK33DF1TG449881", "title": "2026 Kia Sportage EX", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 30684.0, "msrp": null, "sale_price": 30684.0, "currency": "USD", "mileage": 1350, "exterior_color": "Nebular Blue", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260608", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ff47864bec5947e1a85d0ebaca19ed33.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ff47864bec5947e1a85d0ebaca19ed33.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1dcd78aa1ae0420aadac83bbd45b2bb6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8dba5aa19ab64897aad053b70a46340b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9ef16588e7845a79c4c62660bd234df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eb489542be014f939326ca22a692541b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e6d193f4d7f24d27ad8235a106766da9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/90f4ebe2fb2c4c659873eeb440aa287a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b65e0a04246947d9b824e78257863fb0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8b919c173930413e8bced93619304168.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/df3d6a6fed064190b2e45671a10f3e9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/afdde90cd7bf48a5b6fd3be5238f199f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a90099b81037427fb7ffc017632c073b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d815e67fbfb04b38a502407471ff0710.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3c9265cbc6be4b6cbd69a0956710de0e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7b3cd4f3ca0647ada1de5cd236db10cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eb502056831a4d0c8dc873d35881875e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ee760c3debe14f3985575284ff21acf2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0543e2b22b0946b4b4bd73625b3eb3e1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/30a725f38dff4b4386fd06d51000d31e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ecdb4917335d46efa675dfe8002f54ee.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c794c4b6b0da49e0b4b3e29a215f4df0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c8a839971afd41b880bb0983a9e9e81b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6150febcc4594eb7923c6d53eb2e1deb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/21cb2d9735cc4c1d951fc8257e105803.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6614c904470e42019e69fe495b5ef501.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8fa04b94ae9843cca6212fa9c9bbda07.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0b58a916b0594f2e8b4bbf2e9aaea75e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6655781c4f7748eda837ad2e9d66ba2a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/578a22fb710e46878b27850b53c48410.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/226da00add934ef58c31a415c0893fba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/653bd8ed9f4048848c3722a34322f609.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/351a1d8dd6174907b817df7d016ff553.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e1509a8f320c431bb2e160af4bfb2375.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e88c35bcbac44a13900cdbddc47e2fc9.jpg"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "EX", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYK33DF1TG449881.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-be2f2f53ac18401abea45d0adb83a5d4.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-be2f2f53ac18401abea45d0adb83a5d4.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK33DF1TG449881.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK33DF1TG449881.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK33DF1TG449881.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-be2f2f53ac18401abea45d0adb83a5d4.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260608, VIN 5XYK33DF1TG449881. Advertised price: $30,684. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,684"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30684.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK33DF1TG449881_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 751, "unit": "per_month", "display": "$751/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30684.0, "price_incl_doc": 30684.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 750.65, "amount_financed": 32601.75, "sales_tax": 1917.75, "total_of_payments": 36031.08, "finance_charge": 3429.33, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260608, VIN 5XYK33DF1TG449881. $751 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,684, before any dealer documentation fee. Amount financed $32,602, including $1,918 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,031. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK33DF1TG449881_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 623, "unit": "per_month", "display": "$623/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30684.0, "price_incl_doc": 30684.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 622.58, "amount_financed": 32601.75, "sales_tax": 1917.75, "total_of_payments": 37354.85, "finance_charge": 4753.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260608, VIN 5XYK33DF1TG449881. $623 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,684, before any dealer documentation fee. Amount financed $32,602, including $1,918 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,355. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK33DF1TG449881_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 540, "unit": "per_month", "display": "$540/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30684.0, "price_incl_doc": 30684.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 540.15, "amount_financed": 32601.75, "sales_tax": 1917.75, "total_of_payments": 38890.89, "finance_charge": 6289.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260608, VIN 5XYK33DF1TG449881. $540 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,684, before any dealer documentation fee. Amount financed $32,602, including $1,918 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,891. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31350.0, "price_incl_doc": 31350.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 766.94, "amount_financed": 33309.38, "sales_tax": 1959.38, "total_of_payments": 36813.15, "finance_charge": 3503.77, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260464, VIN 5XYK33DF5TG426653. $767 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $31,350, before any dealer documentation fee. Amount financed $33,309, including $1,959 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,813. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK33DF5TG426653_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 636, "unit": "per_month", "display": "$636/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31350.0, "price_incl_doc": 31350.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 636.09, "amount_financed": 33309.38, "sales_tax": 1959.38, "total_of_payments": 38165.65, "finance_charge": 4856.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260464, VIN 5XYK33DF5TG426653. $636 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,350, before any dealer documentation fee. Amount financed $33,309, including $1,959 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,166. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK33DF5TG426653_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 552, "unit": "per_month", "display": "$552/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31350.0, "price_incl_doc": 31350.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 551.88, "amount_financed": 33309.38, "sales_tax": 1959.38, "total_of_payments": 39735.03, "finance_charge": 6425.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260464, VIN 5XYK33DF5TG426653. $552 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,350, before any dealer documentation fee. Amount financed $33,309, including $1,959 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,735. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 127}}, {"vin": "5XYK3CDF5TG454839", "title": "2026 Kia Sportage EX", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 33611.0, "msrp": null, "sale_price": 33611.0, "currency": "USD", "mileage": 1350, "exterior_color": "Glacial White Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260649", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/979856da35744c02bd6030f2bb3b1a44.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/979856da35744c02bd6030f2bb3b1a44.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/15816b981c1c49aea925fd3435be74d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d3667cff6be7488989033b6beecfe31c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c8ff9b4ff144589b3ba102a4afd4221.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f88ffc00bdad4e698d93e582d7c2a441.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e610e4a9c6744583aa6c5850766765d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/917215b84d5a4e10a559de7134fa4d82.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6c2595d098eb4e37a79d27e7e67e336c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/515e19ee216743a59f7038581a25e8bf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed67b9f7bd434bc6bce116c55cc7ac5b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/59d09f99aec14f37b15a28ec713bf30e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ef4ef23bf6ca4dffb45bed9a4ce94b1c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3c1619200dea45c899393db031948537.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4c11dc3d64694f1392543ed6195cc62b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e1fa304b97d54d018a0a62f906e5917b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d44e2056cb964b6486e1de46d76a1263.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5116d1d4f14f454baabffd2e724a54b8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bedbdc25d93a4e28b7912ed0544ba1d7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6e761ead0e1f427f9c3fb6f112d91703.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c1a261bb87044f8fa0ac4982d5b61932.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/47ef5241fed143609068e413d0462840.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/feec62c4bb77450dbbcb8133f529021f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d378dfdd78a4b658fb212bb0112369b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c9436da2e24b46d8babba1080102db24.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/99cb8403915f47d0bce334db08841667.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/afe278fa089b48b58da24dfc512f786b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6820fa9054644da8834a6c7859888f7d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5396e9439158433bba3dc64df60e590a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c57357367d441dbb0cb5908fd8471c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dedd7e50e90d4c5eb1b9ffedb4b502fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9f2e3882c25c4a37a0cff2830d8a726d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7bbc0ca9539f4ed4abbdf04d78f0f168.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6214e98ed10746ef92e30f7b3ecbe460.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/03b1384191204827a1dee3c29ef8de9f.jpg"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "EX", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYK3CDF5TG454839.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-391f1a0bac1831ddf3fc54584d2fa324.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-391f1a0bac1831ddf3fc54584d2fa324.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK3CDF5TG454839.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK3CDF5TG454839.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK3CDF5TG454839.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-391f1a0bac1831ddf3fc54584d2fa324.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260649, VIN 5XYK3CDF5TG454839. Advertised price: $33,611. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,611"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33611.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK3CDF5TG454839_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 822, "unit": "per_month", "display": "$822/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33611.0, "price_incl_doc": 33611.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 822.25, "amount_financed": 35711.69, "sales_tax": 2100.69, "total_of_payments": 39468.16, "finance_charge": 3756.47, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260649, VIN 5XYK3CDF5TG454839. $822 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $33,611, before any dealer documentation fee. Amount financed $35,712, including $2,101 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $39,468. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF5TG454839_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 682, "unit": "per_month", "display": "$682/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33611.0, "price_incl_doc": 33611.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 681.97, "amount_financed": 35711.69, "sales_tax": 2100.69, "total_of_payments": 40918.2, "finance_charge": 5206.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260649, VIN 5XYK3CDF5TG454839. $682 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,611, before any dealer documentation fee. Amount financed $35,712, including $2,101 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,918. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF5TG454839_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 592, "unit": "per_month", "display": "$592/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33611.0, "price_incl_doc": 33611.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 591.68, "amount_financed": 35711.69, "sales_tax": 2100.69, "total_of_payments": 42600.76, "finance_charge": 6889.07, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260649, VIN 5XYK3CDF5TG454839. $592 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,611, before any dealer documentation fee. Amount financed $35,712, including $2,101 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,601. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34343.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34343.0, "price_incl_doc": 34343.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 696.82, "amount_financed": 36489.44, "sales_tax": 2146.44, "total_of_payments": 41809.34, "finance_charge": 5319.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260661, VIN 5XYK3CDF5TG464660. $697 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,343, before any dealer documentation fee. Amount financed $36,489, including $2,146 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,809. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34343.0, "price_incl_doc": 34343.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 604.56, "amount_financed": 36489.44, "sales_tax": 2146.44, "total_of_payments": 43528.55, "finance_charge": 7039.11, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260661, VIN 5XYK3CDF5TG464660. $605 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,343, before any dealer documentation fee. Amount financed $36,489, including $2,146 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,529. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34560.0, "price_incl_doc": 34560.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 845.47, "amount_financed": 36720.0, "sales_tax": 2160.0, "total_of_payments": 40582.53, "finance_charge": 3862.53, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260438, VIN 5XYRLDJC3TG452179. $845 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $34,560, before any dealer documentation fee. Amount financed $36,720, including $2,160 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $40,583. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRLDJC3TG452179_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 701, "unit": "per_month", "display": "$701/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34560.0, "price_incl_doc": 34560.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.23, "amount_financed": 36720.0, "sales_tax": 2160.0, "total_of_payments": 42073.51, "finance_charge": 5353.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260438, VIN 5XYRLDJC3TG452179. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,560, before any dealer documentation fee. Amount financed $36,720, including $2,160 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,074. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRLDJC3TG452179_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 608, "unit": "per_month", "display": "$608/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34560.0, "price_incl_doc": 34560.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.38, "amount_financed": 36720.0, "sales_tax": 2160.0, "total_of_payments": 43803.58, "finance_charge": 7083.58, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260438, VIN 5XYRLDJC3TG452179. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,560, before any dealer documentation fee. Amount financed $36,720, including $2,160 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,804. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 156}}, {"vin": "5XYK33DF2TG444057", "title": "2026 Kia Sportage EX", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 30889.0, "msrp": null, "sale_price": 30889.0, "currency": "USD", "mileage": 1350, "exterior_color": "White", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260604", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2003378/2267140/0x0/e1d3f36ae47c415fbfb3f0b2398be4dc.jpg", "images": ["https://content.homenetiol.com/2003378/2267140/0x0/e1d3f36ae47c415fbfb3f0b2398be4dc.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/ed3c6e79a78144a48d05a4318187efed.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/96dde82a8c384ab2800cbcd1a550dc61.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/b127a2bcc0a5412aa789b130a840529e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/3238a971364b491b93867388ac153677.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/53242a4788344dcca56f997e7927abec.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/8112108fc49e4b29a96d22c293c2146e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/91b3bc97e12e41cabaf425e4cf2ba5e4.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/532b6749b5c04e7ba0f5ea3ca7049deb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/071e070184e240eca1ccd73cf57faf72.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/58944d4718fc4dbe8e2ff611daa0dcae.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/d7352dd2846a4b898770a14f30b96259.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/fd5ead7b7ff5497f87b758d3c2c7ae87.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/a6222f5ac4964e71be50d179955039a9.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/b163b3e004f747ee81c2c8a2246c1403.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/7eb0381810834559a16d3f7e2ccbf5c4.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/5ab51ecfe2ea43419a66416b15b57ed8.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/91e076d6b2fc400d9535b7e2900d8330.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/b0499e333f9f42cd8873ae7fe2b01883.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/389923f30f09460fb705158b53c12b99.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/46b4db5a68f14fe587e0ae733fe0db11.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/5c0ea1609f814cc8947427a662ebf9ce.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/4a41fbcdbd244f7fa4dc732ec0bee844.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/1bf35b63162c433db73878228646548e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/9dfda32a1ed44e1dbfe85a2a99bd9545.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/4e608c3a1e6f43ddad426b6a05851beb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/51dc8d73b9754e1fb60e8248ff352397.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/0520e0af70914290924209c47de67228.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/4756424874184d069f102d0d09097cf5.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/2df9da1be61a41f48df571887ea65a90.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/c7d93ac6a68f43779cdaf77d3ea42e5e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/c67616c998b540de8d121bc00c7e322e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/6c3a9f6a9096454993b52c544d69ba85.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/1dcb77aafefb4ff399bb068e9ed41708.jpg"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2026, "trim": "EX", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5XYK33DF2TG444057.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-be2e073bac1828bf091d87012a33fe38.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-be2e073bac1828bf091d87012a33fe38.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK33DF2TG444057.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK33DF2TG444057.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK33DF2TG444057.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-be2e073bac1828bf091d87012a33fe38.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,889"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30889.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK33DF2TG444057_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 756, "unit": "per_month", "display": "$756/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30889.0, "price_incl_doc": 30889.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.66, "amount_financed": 32819.56, "sales_tax": 1930.56, "total_of_payments": 36271.81, "finance_charge": 3452.25, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260604, VIN 5XYK33DF2TG444057. $756 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,889, before any dealer documentation fee. Amount financed $32,820, including $1,931 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,272. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30889.0, "price_incl_doc": 30889.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 626.74, "amount_financed": 32819.56, "sales_tax": 1930.56, "total_of_payments": 37604.42, "finance_charge": 4784.86, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260604, VIN 5XYK33DF2TG444057. $627 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,889, before any dealer documentation fee. Amount financed $32,820, including $1,931 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,604. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30889.0, "price_incl_doc": 30889.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 543.76, "amount_financed": 32819.56, "sales_tax": 1930.56, "total_of_payments": 39150.72, "finance_charge": 6331.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260604, VIN 5XYK33DF2TG444057. $544 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,889, before any dealer documentation fee. Amount financed $32,820, including $1,931 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,151. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$44,090"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44090.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDRKDJG6T5532641_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1079, "unit": "per_month", "display": "$1,079/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44090.0, "price_incl_doc": 44090.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1078.61, "amount_financed": 46845.63, "sales_tax": 2755.63, "total_of_payments": 51773.26, "finance_charge": 4927.63, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260613, VIN KNDRKDJG6T5532641. $1,079 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $44,090, before any dealer documentation fee. Amount financed $46,846, including $2,756 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $51,773. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDRKDJG6T5532641_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 895, "unit": "per_month", "display": "$895/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44090.0, "price_incl_doc": 44090.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 894.59, "amount_financed": 46845.63, "sales_tax": 2755.63, "total_of_payments": 53675.39, "finance_charge": 6829.76, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260613, VIN KNDRKDJG6T5532641. $895 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,090, before any dealer documentation fee. Amount financed $46,846, including $2,756 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,675. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,978"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37978.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37978.0, "price_incl_doc": 37978.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 929.09, "amount_financed": 40351.63, "sales_tax": 2373.63, "total_of_payments": 44596.16, "finance_charge": 4244.53, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270119, VIN 7YAPCDDG5VY002400. $929 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $37,978, before any dealer documentation fee. Amount financed $40,352, including $2,374 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $44,596. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37978.0, "price_incl_doc": 37978.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 770.58, "amount_financed": 40351.63, "sales_tax": 2373.63, "total_of_payments": 46234.61, "finance_charge": 5882.98, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270119, VIN 7YAPCDDG5VY002400. $771 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,978, before any dealer documentation fee. Amount financed $40,352, including $2,374 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,235. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7YAPCDDG5VY002400_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 669, "unit": "per_month", "display": "$669/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37978.0, "price_incl_doc": 37978.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 668.55, "amount_financed": 40351.63, "sales_tax": 2373.63, "total_of_payments": 48135.79, "finance_charge": 7784.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270119, VIN 7YAPCDDG5VY002400. $669 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,978, before any dealer documentation fee. Amount financed $40,352, including $2,374 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,136. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31760.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31760.0, "price_incl_doc": 31760.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 644.41, "amount_financed": 33745.0, "sales_tax": 1985.0, "total_of_payments": 38664.78, "finance_charge": 4919.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260656, VIN 5XYK33DF1TG462923. $644 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,760, before any dealer documentation fee. Amount financed $33,745, including $1,985 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,665. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK33DF1TG462923_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 559, "unit": "per_month", "display": "$559/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44090.0, "price_incl_doc": 44090.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1078.61, "amount_financed": 46845.63, "sales_tax": 2755.63, "total_of_payments": 51773.26, "finance_charge": 4927.63, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260623, VIN KNDRKDJG1T5529744. $1,079 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $44,090, before any dealer documentation fee. Amount financed $46,846, including $2,756 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $51,773. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDRKDJG1T5529744_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 895, "unit": "per_month", "display": "$895/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44090.0, "price_incl_doc": 44090.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 894.59, "amount_financed": 46845.63, "sales_tax": 2755.63, "total_of_payments": 53675.39, "finance_charge": 6829.76, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260623, VIN KNDRKDJG1T5529744. $895 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,090, before any dealer documentation fee. Amount financed $46,846, including $2,756 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,675. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDRKDJG1T5529744_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 776, "unit": "per_month", "display": "$776/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44090.0, "price_incl_doc": 44090.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 776.15, "amount_financed": 46845.63, "sales_tax": 2755.63, "total_of_payments": 55882.53, "finance_charge": 9036.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260623, VIN KNDRKDJG1T5529744. $776 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,090, before any dealer documentation fee. Amount financed $46,846, including $2,756 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,883. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$44,061"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44061.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDRKDJG1T5532739_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1078, "unit": "per_month", "display": "$1,078/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44061.0, "price_incl_doc": 44061.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1077.9, "amount_financed": 46814.81, "sales_tax": 2753.81, "total_of_payments": 51739.2, "finance_charge": 4924.39, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260611, VIN KNDRKDJG1T5532739. $1,078 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $44,061, before any dealer documentation fee. Amount financed $46,815, including $2,754 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $51,739. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDRKDJG1T5532739_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 894, "unit": "per_month", "display": "$894/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44061.0, "price_incl_doc": 44061.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 894.0, "amount_financed": 46814.81, "sales_tax": 2753.81, "total_of_payments": 53640.07, "finance_charge": 6825.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260611, VIN KNDRKDJG1T5532739. $894 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,061, before any dealer documentation fee. Amount financed $46,815, including $2,754 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,640. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44061.0, "price_incl_doc": 44061.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 775.64, "amount_financed": 46814.81, "sales_tax": 2753.81, "total_of_payments": 55845.77, "finance_charge": 9030.96, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260611, VIN KNDRKDJG1T5532739. $776 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,061, before any dealer documentation fee. Amount financed $46,815, including $2,754 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,846. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43366.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRKDJF8TG442339_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1061, "unit": "per_month", "display": "$1,061/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43366.0, "price_incl_doc": 43366.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1060.9, "amount_financed": 46076.38, "sales_tax": 2710.38, "total_of_payments": 50923.09, "finance_charge": 4846.71, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260241, VIN 5XYRKDJF8TG442339. $1,061 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $43,366, before any dealer documentation fee. Amount financed $46,076, including $2,710 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $50,923. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRKDJF8TG442339_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 880, "unit": "per_month", "display": "$880/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43366.0, "price_incl_doc": 43366.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 879.9, "amount_financed": 46076.38, "sales_tax": 2710.38, "total_of_payments": 52793.98, "finance_charge": 6717.6, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260241, VIN 5XYRKDJF8TG442339. $880 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,366, before any dealer documentation fee. Amount financed $46,076, including $2,710 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,794. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRKDJF8TG442339_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 763, "unit": "per_month", "display": "$763/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43366.0, "price_incl_doc": 43366.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 763.4, "amount_financed": 46076.38, "sales_tax": 2710.38, "total_of_payments": 54964.89, "finance_charge": 8888.51, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260241, VIN 5XYRKDJF8TG442339. $763 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,366, before any dealer documentation fee. Amount financed $46,076, including $2,710 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,965. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44075.0, "price_incl_doc": 44075.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 894.29, "amount_financed": 46829.69, "sales_tax": 2754.69, "total_of_payments": 53657.12, "finance_charge": 6827.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260271, VIN 5XYRKDJF4TG447523. $894 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,075, before any dealer documentation fee. Amount financed $46,830, including $2,755 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,657. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRKDJF4TG447523_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 776, "unit": "per_month", "display": "$776/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44075.0, "price_incl_doc": 44075.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 775.88, "amount_financed": 46829.69, "sales_tax": 2754.69, "total_of_payments": 55863.52, "finance_charge": 9033.83, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260271, VIN 5XYRKDJF4TG447523. $776 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,075, before any dealer documentation fee. Amount financed $46,830, including $2,755 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,864. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44047.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44090.0, "price_incl_doc": 44090.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 894.59, "amount_financed": 46845.63, "sales_tax": 2755.63, "total_of_payments": 53675.39, "finance_charge": 6829.76, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260641, VIN KNDRKDJGXT5538278. $895 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,090, before any dealer documentation fee. Amount financed $46,846, including $2,756 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,675. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDRKDJGXT5538278_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 776, "unit": "per_month", "display": "$776/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44090.0, "price_incl_doc": 44090.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 776.15, "amount_financed": 46845.63, "sales_tax": 2755.63, "total_of_payments": 55882.53, "finance_charge": 9036.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260641, VIN KNDRKDJGXT5538278. $776 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,090, before any dealer documentation fee. Amount financed $46,846, including $2,756 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,883. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44090.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32523.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRL4JC0TG452267_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 796, "unit": "per_month", "display": "$796/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32523.0, "price_incl_doc": 32523.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 795.64, "amount_financed": 34555.69, "sales_tax": 2032.69, "total_of_payments": 38190.56, "finance_charge": 3634.87, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260384, VIN 5XYRL4JC0TG452267. $796 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,523, before any dealer documentation fee. Amount financed $34,556, including $2,033 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $38,191. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRL4JC0TG452267_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 660, "unit": "per_month", "display": "$660/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32523.0, "price_incl_doc": 32523.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 659.89, "amount_financed": 34555.69, "sales_tax": 2032.69, "total_of_payments": 39593.66, "finance_charge": 5037.97, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260384, VIN 5XYRL4JC0TG452267. $660 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,523, before any dealer documentation fee. Amount financed $34,556, including $2,033 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,594. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRL4JC0TG452267_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32523.0, "price_incl_doc": 32523.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.52, "amount_financed": 34555.69, "sales_tax": 2032.69, "total_of_payments": 41221.76, "finance_charge": 6666.07, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260384, VIN 5XYRL4JC0TG452267. $573 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,523, before any dealer documentation fee. Amount financed $34,556, including $2,033 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,222. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34560.0, "price_incl_doc": 34560.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.23, "amount_financed": 36720.0, "sales_tax": 2160.0, "total_of_payments": 42073.51, "finance_charge": 5353.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260327, VIN 5XYRLDJC7TG451519. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,560, before any dealer documentation fee. Amount financed $36,720, including $2,160 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,074. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34793.0, "price_incl_doc": 34793.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 705.95, "amount_financed": 36967.56, "sales_tax": 2174.56, "total_of_payments": 42357.16, "finance_charge": 5389.6, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260258, VIN 5XYRLDJC7TG444215. $706 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,793, before any dealer documentation fee. Amount financed $36,968, including $2,175 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,357. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRLDJC7TG444215_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 612, "unit": "per_month", "display": "$612/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34793.0, "price_incl_doc": 34793.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 612.48, "amount_financed": 36967.56, "sales_tax": 2174.56, "total_of_payments": 44098.9, "finance_charge": 7131.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260258, VIN 5XYRLDJC7TG444215. $612 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,793, before any dealer documentation fee. Amount financed $36,968, including $2,175 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,099. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32994.0, "price_incl_doc": 32994.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 669.45, "amount_financed": 35056.13, "sales_tax": 2062.13, "total_of_payments": 40167.06, "finance_charge": 5110.93, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260337, VIN 5XYRL4JC3TG451484. $669 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,994, before any dealer documentation fee. Amount financed $35,056, including $2,062 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,167. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33989.0, "price_incl_doc": 33989.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 689.64, "amount_financed": 36113.31, "sales_tax": 2124.31, "total_of_payments": 41378.37, "finance_charge": 5265.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260237, VIN 5XYRL4JC3TG426990. $690 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,989, before any dealer documentation fee. Amount financed $36,113, including $2,124 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,378. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRL4JC3TG426990_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 598, "unit": "per_month", "display": "$598/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30000.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30000.0, "price_incl_doc": 30000.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 733.91, "amount_financed": 31875.0, "sales_tax": 1875.0, "total_of_payments": 35227.89, "finance_charge": 3352.89, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260550, VIN 5XYRG4JC4TG467813. $734 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,000, before any dealer documentation fee. Amount financed $31,875, including $1,875 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $35,228. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRG4JC4TG467813_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30000.0, "price_incl_doc": 30000.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.7, "amount_financed": 31875.0, "sales_tax": 1875.0, "total_of_payments": 36522.15, "finance_charge": 4647.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260550, VIN 5XYRG4JC4TG467813. $609 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,000, before any dealer documentation fee. Amount financed $31,875, including $1,875 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,522. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRG4JC4TG467813_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30000.0, "price_incl_doc": 30000.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 528.11, "amount_financed": 31875.0, "sales_tax": 1875.0, "total_of_payments": 38023.95, "finance_charge": 6148.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260550, VIN 5XYRG4JC4TG467813. $528 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,000, before any dealer documentation fee. Amount financed $31,875, including $1,875 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,024. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34427.0, "price_incl_doc": 34427.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 698.53, "amount_financed": 36578.69, "sales_tax": 2151.69, "total_of_payments": 41911.6, "finance_charge": 5332.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260216, VIN 5XYRLDJC8TG440948. $699 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,427, before any dealer documentation fee. Amount financed $36,579, including $2,152 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,912. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRLDJC8TG440948_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 606, "unit": "per_month", "display": "$606/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34427.0, "price_incl_doc": 34427.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 606.04, "amount_financed": 36578.69, "sales_tax": 2151.69, "total_of_payments": 43635.02, "finance_charge": 7056.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260216, VIN 5XYRLDJC8TG440948. $606 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,427, before any dealer documentation fee. Amount financed $36,579, including $2,152 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,635. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37468.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRHDJF3TG451769_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 917, "unit": "per_month", "display": "$917/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37468.0, "price_incl_doc": 37468.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 916.61, "amount_financed": 39809.75, "sales_tax": 2341.75, "total_of_payments": 43997.28, "finance_charge": 4187.53, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260328, VIN 5XYRHDJF3TG451769. $917 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $37,468, before any dealer documentation fee. Amount financed $39,810, including $2,342 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $43,997. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRHDJF3TG451769_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 760, "unit": "per_month", "display": "$760/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37468.0, "price_incl_doc": 37468.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 760.23, "amount_financed": 39809.75, "sales_tax": 2341.75, "total_of_payments": 45613.73, "finance_charge": 5803.98, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260328, VIN 5XYRHDJF3TG451769. $760 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,468, before any dealer documentation fee. Amount financed $39,810, including $2,342 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,614. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRHDJF3TG451769_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 660, "unit": "per_month", "display": "$660/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37468.0, "price_incl_doc": 37468.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 659.57, "amount_financed": 39809.75, "sales_tax": 2341.75, "total_of_payments": 47489.37, "finance_charge": 7679.62, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260328, VIN 5XYRHDJF3TG451769. $660 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,468, before any dealer documentation fee. Amount financed $39,810, including $2,342 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,489. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sorento-be2d2492ac18401abea45d0abbd87181.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYRG4JC6TG463178.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYRG4JC6TG463178.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYRG4JC6TG463178.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sorento-be2d2492ac18401abea45d0abbd87181.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,000"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30000.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRG4JC6TG463178_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 734, "unit": "per_month", "display": "$734/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30000.0, "price_incl_doc": 30000.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 733.91, "amount_financed": 31875.0, "sales_tax": 1875.0, "total_of_payments": 35227.89, "finance_charge": 3352.89, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260565, VIN 5XYRG4JC6TG463178. $734 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,000, before any dealer documentation fee. Amount financed $31,875, including $1,875 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $35,228. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30000.0, "price_incl_doc": 30000.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.7, "amount_financed": 31875.0, "sales_tax": 1875.0, "total_of_payments": 36522.15, "finance_charge": 4647.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260565, VIN 5XYRG4JC6TG463178. $609 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,000, before any dealer documentation fee. Amount financed $31,875, including $1,875 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,522. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRHDJF6TG455721_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 905, "unit": "per_month", "display": "$905/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36997.0, "price_incl_doc": 36997.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 905.09, "amount_financed": 39309.31, "sales_tax": 2312.31, "total_of_payments": 43444.2, "finance_charge": 4134.89, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260383, VIN 5XYRHDJF6TG455721. $905 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $36,997, before any dealer documentation fee. Amount financed $39,309, including $2,312 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $43,444. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRHDJF6TG455721_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 751, "unit": "per_month", "display": "$751/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36997.0, "price_incl_doc": 36997.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 750.67, "amount_financed": 39309.31, "sales_tax": 2312.31, "total_of_payments": 45040.32, "finance_charge": 5731.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260383, VIN 5XYRHDJF6TG455721. $751 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,997, before any dealer documentation fee. Amount financed $39,309, including $2,312 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,040. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRHDJF6TG455721_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 651, "unit": "per_month", "display": "$651/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36997.0, "price_incl_doc": 36997.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 651.28, "amount_financed": 39309.31, "sales_tax": 2312.31, "total_of_payments": 46892.39, "finance_charge": 7583.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260383, VIN 5XYRHDJF6TG455721. $651 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,997, before any dealer documentation fee. Amount financed $39,309, including $2,312 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,892. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 177}}, {"vin": "KNDEDCD35V7020811", "title": "2027 Kia Seltos X\\-Line S", "year": 2027, "make": "Kia", "model": "Seltos", "trim": "X\\-Line S", "decoded_trim": "X-Line, X-Line S", "condition": "used", "price": 32546.0, "msrp": null, "sale_price": 32546.0, "currency": "USD", "mileage": 75000, "exterior_color": "Frost Blue", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270126", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Seltos", "year": 2027, "trim": "X-Line, X-Line S", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDEDCD35V7020811.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-81382283ac185005b9496b4159245ba2.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-81382283ac185005b9496b4159245ba2.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDEDCD35V7020811.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDEDCD35V7020811.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDEDCD35V7020811.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-81382283ac185005b9496b4159245ba2.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270126, VIN KNDEDCD35V7020811. Advertised price: $32,546. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,546"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDEDCD35V7020811_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 796, "unit": "per_month", "display": "$796/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32546.0, "price_incl_doc": 32546.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 796.2, "amount_financed": 34580.13, "sales_tax": 2034.13, "total_of_payments": 38217.57, "finance_charge": 3637.44, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270126, VIN KNDEDCD35V7020811. $796 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,546, before any dealer documentation fee. Amount financed $34,580, including $2,034 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $38,218. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEDCD35V7020811_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 660, "unit": "per_month", "display": "$660/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32546.0, "price_incl_doc": 32546.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 660.36, "amount_financed": 34580.13, "sales_tax": 2034.13, "total_of_payments": 39621.66, "finance_charge": 5041.53, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270126, VIN KNDEDCD35V7020811. $660 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,546, before any dealer documentation fee. Amount financed $34,580, including $2,034 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,622. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEDCD35V7020811_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32546.0, "price_incl_doc": 32546.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.93, "amount_financed": 34580.13, "sales_tax": 2034.13, "total_of_payments": 41250.92, "finance_charge": 6670.79, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270126, VIN KNDEDCD35V7020811. $573 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,546, before any dealer documentation fee. Amount financed $34,580, including $2,034 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,251. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDEDCD32V7018983_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 762, "unit": "per_month", "display": "$762/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31139.0, "price_incl_doc": 31139.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 761.78, "amount_financed": 33085.19, "sales_tax": 1946.19, "total_of_payments": 36565.38, "finance_charge": 3480.19, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270083, VIN KNDEDCD32V7018983. $762 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $31,139, before any dealer documentation fee. Amount financed $33,085, including $1,946 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,565. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEDCD32V7018983_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 632, "unit": "per_month", "display": "$632/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31139.0, "price_incl_doc": 31139.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 631.81, "amount_financed": 33085.19, "sales_tax": 1946.19, "total_of_payments": 37908.77, "finance_charge": 4823.58, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270083, VIN KNDEDCD32V7018983. $632 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,139, before any dealer documentation fee. Amount financed $33,085, including $1,946 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,909. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEDCD32V7018983_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 548, "unit": "per_month", "display": "$548/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31139.0, "price_incl_doc": 31139.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 548.16, "amount_financed": 33085.19, "sales_tax": 1946.19, "total_of_payments": 39467.59, "finance_charge": 6382.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270083, VIN KNDEDCD32V7018983. $548 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,139, before any dealer documentation fee. Amount financed $33,085, including $1,946 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,468. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37235.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37235.0, "price_incl_doc": 37235.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 910.91, "amount_financed": 39562.19, "sales_tax": 2327.19, "total_of_payments": 43723.68, "finance_charge": 4161.49, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260439, VIN 5XYRHDJFXTG456855. $911 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $37,235, before any dealer documentation fee. Amount financed $39,562, including $2,327 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $43,724. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37235.0, "price_incl_doc": 37235.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.5, "amount_financed": 39562.19, "sales_tax": 2327.19, "total_of_payments": 45330.07, "finance_charge": 5767.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260439, VIN 5XYRHDJFXTG456855. $756 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,235, before any dealer documentation fee. Amount financed $39,562, including $2,327 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,330. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRG4JC7TG455235_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 734, "unit": "per_month", "display": "$734/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRG4JC7TG455235_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30000.0, "price_incl_doc": 30000.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.7, "amount_financed": 31875.0, "sales_tax": 1875.0, "total_of_payments": 36522.15, "finance_charge": 4647.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260560, VIN 5XYRG4JC7TG455235. $609 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,000, before any dealer documentation fee. Amount financed $31,875, including $1,875 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,522. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRG4JC7TG455235_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30000.0, "price_incl_doc": 30000.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 528.11, "amount_financed": 31875.0, "sales_tax": 1875.0, "total_of_payments": 38023.95, "finance_charge": 6148.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260560, VIN 5XYRG4JC7TG455235. $528 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,000, before any dealer documentation fee. Amount financed $31,875, including $1,875 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,024. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDEDCD3XV7016835_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 762, "unit": "per_month", "display": "$762/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31139.0, "price_incl_doc": 31139.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 761.78, "amount_financed": 33085.19, "sales_tax": 1946.19, "total_of_payments": 36565.38, "finance_charge": 3480.19, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270080, VIN KNDEDCD3XV7016835. $762 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $31,139, before any dealer documentation fee. Amount financed $33,085, including $1,946 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,565. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEDCD3XV7016835_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 632, "unit": "per_month", "display": "$632/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31139.0, "price_incl_doc": 31139.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 631.81, "amount_financed": 33085.19, "sales_tax": 1946.19, "total_of_payments": 37908.77, "finance_charge": 4823.58, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270080, VIN KNDEDCD3XV7016835. $632 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,139, before any dealer documentation fee. Amount financed $33,085, including $1,946 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,909. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEDCD3XV7016835_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 548, "unit": "per_month", "display": "$548/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31139.0, "price_incl_doc": 31139.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 548.16, "amount_financed": 33085.19, "sales_tax": 1946.19, "total_of_payments": 39467.59, "finance_charge": 6382.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270080, VIN KNDEDCD3XV7016835. $548 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,139, before any dealer documentation fee. Amount financed $33,085, including $1,946 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,468. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 140}}, {"vin": "KNDEUCAA2T7929136", "title": "2026 Kia Seltos S", "year": 2026, "make": "Kia", "model": "Seltos", "trim": "S", "decoded_trim": "S", "condition": "used", "price": 28061.0, "msrp": null, "sale_price": 28061.0, "currency": "USD", "mileage": 75000, "exterior_color": "Neptune Blue", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260426", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/b09cc7206f004e1c8740674e72e141a3.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/b09cc7206f004e1c8740674e72e141a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/27d7d29c7cb04f0bb18d3079e192b4a9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/07b2aa58a74247449e8eadd8b30bc076.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6fc3291ae1124389a4ef1c9a3bf70d43.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e5ebe54558ae459f8edd3d7862ea3783.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/695548cd137e4925b128cbb1f7a7e963.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/71414ef6b703487cb53ed965be02e4c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6933c20ef6cf4d0e926b3291545a8064.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e4aaa6ddf24f43b1b9f00911dd0a2455.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aeb25f581384440d8817a56e1c0d885c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8f66cfe28cf944c5beaec424dfc064a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/71b748f2a736434686f5c3f1bd84214d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/29d153d8ed7b4ea58cf0332f37ccbe89.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d47c4d49ba0342ac8e0c2aecd3e35255.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4cfd2a6b4b6a4f64b2ac0103315f72df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/92c9ccf09bc24ab7ab657ab4d430eaf5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dc1d8faafc2c444182c98ec7cbd2bd4b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9224a46142584be3bd5a6933114d0923.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4c30375f71fd47beaf679f3b01a90088.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f2b6dbb1b21b4014b32f6d9411da2ce9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48563841a2a2486cb608da47ccd70de9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3544c9d609c44dc7b8c7f3ba050b68b3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0e2e0a006a364b4297167f422bb294ae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cd5b40c935274e41b14a5f1d4999399a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/99160b4ac6984fb2aba5fb586748586a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cb3617a45f434abc8e94809ec698996f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f8fad97abd4c49b8955bd981a06a229d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1882f31414764d42a8a925113c8d8631.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41a48db6ede947a7b81614aa542da39a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fe48e7d6986d4062a1a8dd7e7f90543f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0b8ca1de7c9942a3b44040fd33227cf9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4fee80c3e2f4365a3b982bc0b9a2f26.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3ce4b9d26e694e6b9979502207aa3951.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5e4eb7d51969425b8022c296e53d6b33.jpg"], "vin_decode": {"make": "Kia", "model": "Seltos", "year": 2026, "trim": "S", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDEUCAA2T7929136.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e6a45ac18401abea45d0a186471cf.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e6a45ac18401abea45d0a186471cf.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDEUCAA2T7929136.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDEUCAA2T7929136.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDEUCAA2T7929136.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e6a45ac18401abea45d0a186471cf.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260426, VIN KNDEUCAA2T7929136. Advertised price: $28,061. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,061"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28061.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDEUCAA2T7929136_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 686, "unit": "per_month", "display": "$686/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28061.0, "price_incl_doc": 28061.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 686.48, "amount_financed": 29814.81, "sales_tax": 1753.81, "total_of_payments": 32950.99, "finance_charge": 3136.18, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260426, VIN KNDEUCAA2T7929136. $686 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $28,061, before any dealer documentation fee. Amount financed $29,815, including $1,754 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $32,951. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEUCAA2T7929136_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 569, "unit": "per_month", "display": "$569/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28061.0, "price_incl_doc": 28061.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 569.36, "amount_financed": 29814.81, "sales_tax": 1753.81, "total_of_payments": 34161.59, "finance_charge": 4346.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260426, VIN KNDEUCAA2T7929136. $569 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,061, before any dealer documentation fee. Amount financed $29,815, including $1,754 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $34,162. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEUCAA2T7929136_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 494, "unit": "per_month", "display": "$494/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28061.0, "price_incl_doc": 28061.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 493.98, "amount_financed": 29814.81, "sales_tax": 1753.81, "total_of_payments": 35566.33, "finance_charge": 5751.52, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260426, VIN KNDEUCAA2T7929136. $494 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,061, before any dealer documentation fee. Amount financed $29,815, including $1,754 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,566. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEDCD3XV7021274_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32546.0, "price_incl_doc": 32546.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.93, "amount_financed": 34580.13, "sales_tax": 2034.13, "total_of_payments": 41250.92, "finance_charge": 6670.79, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270114, VIN KNDEDCD3XV7021274. $573 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,546, before any dealer documentation fee. Amount financed $34,580, including $2,034 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,251. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28594.0, "price_incl_doc": 28594.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 699.52, "amount_financed": 30381.13, "sales_tax": 1787.13, "total_of_payments": 33576.88, "finance_charge": 3195.75, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260428, VIN KNDEUCAA7T7932534. $700 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $28,594, before any dealer documentation fee. Amount financed $30,381, including $1,787 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $33,577. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEUCAA7T7932534_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 580, "unit": "per_month", "display": "$580/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28594.0, "price_incl_doc": 28594.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 580.17, "amount_financed": 30381.13, "sales_tax": 1787.13, "total_of_payments": 34810.48, "finance_charge": 4429.35, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260428, VIN KNDEUCAA7T7932534. $580 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,594, before any dealer documentation fee. Amount financed $30,381, including $1,787 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $34,810. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEUCAA7T7932534_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 503, "unit": "per_month", "display": "$503/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28594.0, "price_incl_doc": 28594.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 503.36, "amount_financed": 30381.13, "sales_tax": 1787.13, "total_of_payments": 36241.9, "finance_charge": 5860.77, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260428, VIN KNDEUCAA7T7932534. $503 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,594, before any dealer documentation fee. Amount financed $30,381, including $1,787 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,242. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26971.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26971.0, "price_incl_doc": 26971.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 547.24, "amount_financed": 28656.69, "sales_tax": 1685.69, "total_of_payments": 32834.63, "finance_charge": 4177.94, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260425, VIN KNDEUCAAXT7942149. $547 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,971, before any dealer documentation fee. Amount financed $28,657, including $1,686 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,835. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDEBCD39V7019442_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 694, "unit": "per_month", "display": "$694/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEBCD39V7019442_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 575, "unit": "per_month", "display": "$575/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28361.0, "price_incl_doc": 28361.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 575.45, "amount_financed": 30133.56, "sales_tax": 1772.56, "total_of_payments": 34526.82, "finance_charge": 4393.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270112, VIN KNDEBCD39V7019442. $575 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,361, before any dealer documentation fee. Amount financed $30,134, including $1,773 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $34,527. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEBCD39V7019442_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 499, "unit": "per_month", "display": "$499/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28361.0, "price_incl_doc": 28361.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 499.26, "amount_financed": 30133.56, "sales_tax": 1772.56, "total_of_payments": 35946.57, "finance_charge": 5813.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270112, VIN KNDEBCD39V7019442. $499 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,361, before any dealer documentation fee. Amount financed $30,134, including $1,773 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,947. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-059eb246ac182e5a249a91beb256c5d1.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDELCD35V7032122.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDELCD35V7032122.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDELCD35V7032122.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-059eb246ac182e5a249a91beb256c5d1.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,252"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30252.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDELCD35V7032122_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 740, "unit": "per_month", "display": "$740/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30252.0, "price_incl_doc": 30252.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 740.08, "amount_financed": 32142.75, "sales_tax": 1890.75, "total_of_payments": 35523.8, "finance_charge": 3381.05, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270092, VIN KNDELCD35V7032122. $740 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,252, before any dealer documentation fee. Amount financed $32,143, including $1,891 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $35,524. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDELCD35V7032122_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30252.0, "price_incl_doc": 30252.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 613.82, "amount_financed": 32142.75, "sales_tax": 1890.75, "total_of_payments": 36828.93, "finance_charge": 4686.18, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270092, VIN KNDELCD35V7032122. $614 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,252, before any dealer documentation fee. Amount financed $32,143, including $1,891 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,829. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDELCD35V7032122_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 533, "unit": "per_month", "display": "$533/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30252.0, "price_incl_doc": 30252.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 532.55, "amount_financed": 32142.75, "sales_tax": 1890.75, "total_of_payments": 38343.35, "finance_charge": 6200.6, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270092, VIN KNDELCD35V7032122. $533 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,252, before any dealer documentation fee. Amount financed $32,143, including $1,891 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,343. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26688.0, "price_incl_doc": 26688.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 652.89, "amount_financed": 28356.0, "sales_tax": 1668.0, "total_of_payments": 31338.73, "finance_charge": 2982.73, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270127, VIN KNDEB3D34V5011471. $653 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $26,688, before any dealer documentation fee. Amount financed $28,356, including $1,668 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $31,339. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEB3D34V5011471_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 542, "unit": "per_month", "display": "$542/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26688.0, "price_incl_doc": 26688.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 541.5, "amount_financed": 28356.0, "sales_tax": 1668.0, "total_of_payments": 32490.1, "finance_charge": 4134.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270127, VIN KNDEB3D34V5011471. $542 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,688, before any dealer documentation fee. Amount financed $28,356, including $1,668 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,490. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEB3D34V5011471_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 470, "unit": "per_month", "display": "$470/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26688.0, "price_incl_doc": 26688.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 469.81, "amount_financed": 28356.0, "sales_tax": 1668.0, "total_of_payments": 33826.1, "finance_charge": 5470.1, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270127, VIN KNDEB3D34V5011471. $470 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,688, before any dealer documentation fee. Amount financed $28,356, including $1,668 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,826. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28804.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDEUCAA9T7933412_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 705, "unit": "per_month", "display": "$705/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28804.0, "price_incl_doc": 28804.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 704.66, "amount_financed": 30604.25, "sales_tax": 1800.25, "total_of_payments": 33823.47, "finance_charge": 3219.22, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260423, VIN KNDEUCAA9T7933412. $705 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $28,804, before any dealer documentation fee. Amount financed $30,604, including $1,800 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $33,823. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28804.0, "price_incl_doc": 28804.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 584.44, "amount_financed": 30604.25, "sales_tax": 1800.25, "total_of_payments": 35066.13, "finance_charge": 4461.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260423, VIN KNDEUCAA9T7933412. $584 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,804, before any dealer documentation fee. Amount financed $30,604, including $1,800 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,066. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28804.0, "price_incl_doc": 28804.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.06, "amount_financed": 30604.25, "sales_tax": 1800.25, "total_of_payments": 36508.06, "finance_charge": 5903.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260423, VIN KNDEUCAA9T7933412. $507 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,804, before any dealer documentation fee. Amount financed $30,604, including $1,800 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,508. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 190}}, {"vin": "KNDELCD36V7014602", "title": "2027 Kia Seltos S", "year": 2027, "make": "Kia", "model": "Seltos", "trim": "S", "decoded_trim": "S", "condition": "used", "price": 29740.0, "msrp": null, "sale_price": 29740.0, "currency": "USD", "mileage": 75000, "exterior_color": "Iceberg Green", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270122", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Seltos", "year": 2027, "trim": "S", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDELCD36V7014602.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-6ccad624ac1804b19b597a957325112c.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-6ccad624ac1804b19b597a957325112c.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDELCD36V7014602.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDELCD36V7014602.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDELCD36V7014602.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-6ccad624ac1804b19b597a957325112c.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270122, VIN KNDELCD36V7014602. Advertised price: $29,740. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,740"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29740.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDELCD36V7014602_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 728, "unit": "per_month", "display": "$728/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29740.0, "price_incl_doc": 29740.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 727.55, "amount_financed": 31598.75, "sales_tax": 1858.75, "total_of_payments": 34922.58, "finance_charge": 3323.83, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270122, VIN KNDELCD36V7014602. $728 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $29,740, before any dealer documentation fee. Amount financed $31,599, including $1,859 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,923. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDELCD36V7014602_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 603, "unit": "per_month", "display": "$603/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29740.0, "price_incl_doc": 29740.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 603.43, "amount_financed": 31598.75, "sales_tax": 1858.75, "total_of_payments": 36205.62, "finance_charge": 4606.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270122, VIN KNDELCD36V7014602. $603 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,740, before any dealer documentation fee. Amount financed $31,599, including $1,859 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,206. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDELCD36V7014602_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29740.0, "price_incl_doc": 29740.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.53, "amount_financed": 31598.75, "sales_tax": 1858.75, "total_of_payments": 37694.4, "finance_charge": 6095.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270122, VIN KNDELCD36V7014602. $524 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,740, before any dealer documentation fee. Amount financed $31,599, including $1,859 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,694. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 175}}, {"vin": "KNDELCD32V7018372", "title": "2027 Kia Seltos S", "year": 2027, "make": "Kia", "model": "Seltos", "trim": "S", "decoded_trim": "S", "condition": "used", "price": 30157.0, "msrp": null, "sale_price": 30157.0, "currency": "USD", "mileage": 75000, "exterior_color": "Snow White", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270124", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Seltos", "year": 2027, "trim": "S", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDELCD32V7018372.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-71c75c60ac1804b19b597a956258a7ea.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-71c75c60ac1804b19b597a956258a7ea.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDELCD32V7018372.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDELCD32V7018372.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDELCD32V7018372.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-71c75c60ac1804b19b597a956258a7ea.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270124, VIN KNDELCD32V7018372. Advertised price: $30,157. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,157"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30157.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDELCD32V7018372_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 738, "unit": "per_month", "display": "$738/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30157.0, "price_incl_doc": 30157.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 737.76, "amount_financed": 32041.81, "sales_tax": 1884.81, "total_of_payments": 35412.25, "finance_charge": 3370.44, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270124, VIN KNDELCD32V7018372. $738 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,157, before any dealer documentation fee. Amount financed $32,042, including $1,885 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $35,412. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDELCD32V7018372_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 612, "unit": "per_month", "display": "$612/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30157.0, "price_incl_doc": 30157.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.89, "amount_financed": 32041.81, "sales_tax": 1884.81, "total_of_payments": 36713.28, "finance_charge": 4671.47, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270124, VIN KNDELCD32V7018372. $612 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,157, before any dealer documentation fee. Amount financed $32,042, including $1,885 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,713. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDELCD32V7018372_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 531, "unit": "per_month", "display": "$531/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30157.0, "price_incl_doc": 30157.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 530.87, "amount_financed": 32041.81, "sales_tax": 1884.81, "total_of_payments": 38222.93, "finance_charge": 6181.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270124, VIN KNDELCD32V7018372. $531 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,157, before any dealer documentation fee. Amount financed $32,042, including $1,885 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,223. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27471.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28987.0, "price_incl_doc": 28987.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.13, "amount_financed": 30798.69, "sales_tax": 1811.69, "total_of_payments": 34038.36, "finance_charge": 3239.67, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260668, VIN KNAG64J76T5517081. $709 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $28,987, before any dealer documentation fee. Amount financed $30,799, including $1,812 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,038. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J76T5517081_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28987.0, "price_incl_doc": 28987.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.15, "amount_financed": 30798.69, "sales_tax": 1811.69, "total_of_payments": 35288.92, "finance_charge": 4490.23, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260668, VIN KNAG64J76T5517081. $588 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,987, before any dealer documentation fee. Amount financed $30,799, including $1,812 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,289. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J76T5517081_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 510, "unit": "per_month", "display": "$510/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28987.0, "price_incl_doc": 28987.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 510.28, "amount_financed": 30798.69, "sales_tax": 1811.69, "total_of_payments": 36740.01, "finance_charge": 5941.32, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260668, VIN KNAG64J76T5517081. $510 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,987, before any dealer documentation fee. Amount financed $30,799, including $1,812 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,740. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 179}}, {"vin": "KNDEL3D36V7018844", "title": "2027 Kia Seltos S", "year": 2027, "make": "Kia", "model": "Seltos", "trim": "S", "decoded_trim": "S", "condition": "used", "price": 28067.0, "msrp": null, "sale_price": 28067.0, "currency": "USD", "mileage": 75000, "exterior_color": "Frost Blue", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270084", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/6d9e57d8ba2147e0b862572c4d47c84a.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/6d9e57d8ba2147e0b862572c4d47c84a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/46af981a51ff4f79b780e48ce51ae7fc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2368d1d43d3c4de99fc3b473d5d9eb5d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2f9188153eba4c39b0790f5897b1ffc5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bf5c3ef28e5742b79f28ccb39fc77463.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a38cc6c0cc58407587182578648ee52e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1402572f2af04f3a80d60040ababeba0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ae579be5e4334f8b96eef0aad4538e6e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/10c1b6ce19624f79881a1ef59256c6f3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6cd1af0d3b2a49b2adde139ffa9d7d68.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/43e5c10128bc48a1a2c0962858e3daf2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7f942d0b02d9436ca66299f0f6cba3f6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/14b476d914ca4f1db7afb7bd90eca97d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cf5d9903b5714577b85d8839cd6118ea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cf1fe688e69d4a9bad8c43d6eacc2c1b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b1e735267c0148d59fb581b2cefe258c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bae47d8833a1491da47aee0b0fd11161.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad1263889ee14c588f6224c4c6b1f578.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/761ff0ac1b3b4afbaf928c01a93d761a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2899e4d12a404cdb943a8e864c6119f4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc6b8fee60644d298bf1d3658b282b5e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba7530fa3d5e433b9861c34d3741c232.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/088329b74f0a4ed0bccb3048c5f8664f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f4a7bc8da29b45cdb6d04ceadcf45305.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0126689758bb425c896c1ac23cea40ec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d0f3698fcf2e4add95f1bf49ac751b90.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ef6b7abc436145d2a6cac92b79a585b5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e189930bce914059a9bb975cede094fc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ca1a52c0f70b4a0792cd085f79f71d87.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/945daf05145f46c588fcb8c0953c424f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b893c709fde44ec7b39ff5ed3c95f6c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5886aa0f3b6b4cb0820c25119cf0abbd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/106f6f376f76477084b2436cd023c6c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28a22ee8e8084200a067b7998e381410.jpg"], "vin_decode": {"make": "Kia", "model": "Seltos", "year": 2027, "trim": "S", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDEL3D36V7018844.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Seltos-be2dd4a0ac181b0c5f24b7f1564389da.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270084, VIN KNDEL3D36V7018844. Advertised price: $28,067. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,067"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28067.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDEL3D36V7018844_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 687, "unit": "per_month", "display": "$687/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28067.0, "price_incl_doc": 28067.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 686.63, "amount_financed": 29821.19, "sales_tax": 1754.19, "total_of_payments": 32958.04, "finance_charge": 3136.85, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270084, VIN KNDEL3D36V7018844. $687 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $28,067, before any dealer documentation fee. Amount financed $29,821, including $1,754 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $32,958. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEL3D36V7018844_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 569, "unit": "per_month", "display": "$569/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28067.0, "price_incl_doc": 28067.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 569.48, "amount_financed": 29821.19, "sales_tax": 1754.19, "total_of_payments": 34168.91, "finance_charge": 4347.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270084, VIN KNDEL3D36V7018844. $569 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,067, before any dealer documentation fee. Amount financed $29,821, including $1,754 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $34,169. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEL3D36V7018844_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 494, "unit": "per_month", "display": "$494/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28067.0, "price_incl_doc": 28067.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 494.08, "amount_financed": 29821.19, "sales_tax": 1754.19, "total_of_payments": 35573.94, "finance_charge": 5752.75, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270084, VIN KNDEL3D36V7018844. $494 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,067, before any dealer documentation fee. Amount financed $29,821, including $1,754 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,574. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28778.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEBCD37V7021559_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27257.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDER2AA4T7953997_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 667, "unit": "per_month", "display": "$667/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27257.0, "price_incl_doc": 27257.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 666.81, "amount_financed": 28960.56, "sales_tax": 1703.56, "total_of_payments": 32006.88, "finance_charge": 3046.32, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260490, VIN KNDER2AA4T7953997. $667 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $27,257, before any dealer documentation fee. Amount financed $28,961, including $1,704 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $32,007. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA4T7953997_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 553, "unit": "per_month", "display": "$553/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27257.0, "price_incl_doc": 27257.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.05, "amount_financed": 28960.56, "sales_tax": 1703.56, "total_of_payments": 33182.8, "finance_charge": 4222.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260490, VIN KNDER2AA4T7953997. $553 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,257, before any dealer documentation fee. Amount financed $28,961, including $1,704 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,183. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA4T7953997_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 480, "unit": "per_month", "display": "$480/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27257.0, "price_incl_doc": 27257.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 479.82, "amount_financed": 28960.56, "sales_tax": 1703.56, "total_of_payments": 34547.29, "finance_charge": 5586.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260490, VIN KNDER2AA4T7953997. $480 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,257, before any dealer documentation fee. Amount financed $28,961, including $1,704 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,547. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30346.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDERCAA4T7933688_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 742, "unit": "per_month", "display": "$742/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30346.0, "price_incl_doc": 30346.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 615.72, "amount_financed": 32242.63, "sales_tax": 1896.63, "total_of_payments": 36943.37, "finance_charge": 4700.74, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260407, VIN KNDERCAA4T7933688. $616 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,346, before any dealer documentation fee. Amount financed $32,243, including $1,897 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,943. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30346.0, "price_incl_doc": 30346.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 534.2, "amount_financed": 32242.63, "sales_tax": 1896.63, "total_of_payments": 38462.49, "finance_charge": 6219.86, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260407, VIN KNDERCAA4T7933688. $534 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,346, before any dealer documentation fee. Amount financed $32,243, including $1,897 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,462. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 178}}, {"vin": "KNDER2AA4T7931255", "title": "2026 Kia Seltos EX", "year": 2026, "make": "Kia", "model": "Seltos", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 27109.0, "msrp": null, "sale_price": 27109.0, "currency": "USD", "mileage": 75000, "exterior_color": "Gravity Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260413", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, 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"https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2f5f3eac181b0c5f24b7f17d0bfe39.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260413, VIN KNDER2AA4T7931255. Advertised price: $27,109. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,109"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDER2AA4T7931255_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 663, "unit": "per_month", "display": "$663/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27109.0, "price_incl_doc": 27109.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 663.19, "amount_financed": 28803.31, "sales_tax": 1694.31, "total_of_payments": 31833.09, "finance_charge": 3029.78, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260413, VIN KNDER2AA4T7931255. $663 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $27,109, before any dealer documentation fee. Amount financed $28,803, including $1,694 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $31,833. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA4T7931255_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 550, "unit": "per_month", "display": "$550/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27109.0, "price_incl_doc": 27109.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 550.04, "amount_financed": 28803.31, "sales_tax": 1694.31, "total_of_payments": 33002.63, "finance_charge": 4199.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260413, VIN KNDER2AA4T7931255. $550 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,109, before any dealer documentation fee. Amount financed $28,803, including $1,694 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,003. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA4T7931255_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 477, "unit": "per_month", "display": "$477/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27109.0, "price_incl_doc": 27109.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 477.22, "amount_financed": 28803.31, "sales_tax": 1694.31, "total_of_payments": 34359.7, "finance_charge": 5556.39, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260413, VIN KNDER2AA4T7931255. $477 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,109, before any dealer documentation fee. Amount financed $28,803, including $1,694 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,360. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26900.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA4T7931238_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 546, "unit": "per_month", "display": "$546/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33076.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J70T5511941_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 809, "unit": "per_month", "display": "$809/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33076.0, "price_incl_doc": 33076.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 671.11, "amount_financed": 35143.25, "sales_tax": 2067.25, "total_of_payments": 40266.88, "finance_charge": 5123.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260622, VIN KNAG64J70T5511941. $671 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,076, before any dealer documentation fee. Amount financed $35,143, including $2,067 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,267. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J70T5511941_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33076.0, "price_incl_doc": 33076.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.26, "amount_financed": 35143.25, "sales_tax": 2067.25, "total_of_payments": 41922.67, "finance_charge": 6779.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260622, VIN KNAG64J70T5511941. $582 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,076, before any dealer documentation fee. Amount financed $35,143, including $2,067 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,923. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26833.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDER2AA7T7949894_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 656, "unit": "per_month", "display": "$656/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26833.0, "price_incl_doc": 26833.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 472.36, "amount_financed": 28510.06, "sales_tax": 1677.06, "total_of_payments": 34009.88, "finance_charge": 5499.82, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260487, VIN KNDER2AA7T7949894. $472 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,833, before any dealer documentation fee. Amount financed $28,510, including $1,677 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,010. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 141}}, {"vin": "KNDERCAA6T7927455", "title": "2026 Kia Seltos EX", "year": 2026, "make": "Kia", "model": "Seltos", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 30141.0, "msrp": null, "sale_price": 30141.0, "currency": "USD", "mileage": 75000, "exterior_color": "Pluton Blue", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260366", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, 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sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e971dac181e22457d1d20c00352b9.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDERCAA6T7927455.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDERCAA6T7927455.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDERCAA6T7927455.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e971dac181e22457d1d20c00352b9.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260366, VIN KNDERCAA6T7927455. Advertised price: $30,141. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,141"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30141.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDERCAA6T7927455_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 737, "unit": "per_month", "display": "$737/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30141.0, "price_incl_doc": 30141.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 737.36, "amount_financed": 32024.81, "sales_tax": 1883.81, "total_of_payments": 35393.46, "finance_charge": 3368.65, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260366, VIN KNDERCAA6T7927455. $737 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,141, before any dealer documentation fee. Amount financed $32,025, including $1,884 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $35,393. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDERCAA6T7927455_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 612, "unit": "per_month", "display": "$612/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30141.0, "price_incl_doc": 30141.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 611.56, "amount_financed": 32024.81, "sales_tax": 1883.81, "total_of_payments": 36693.8, "finance_charge": 4668.99, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260366, VIN KNDERCAA6T7927455. $612 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,141, before any dealer documentation fee. Amount financed $32,025, including $1,884 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,694. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDERCAA6T7927455_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 531, "unit": "per_month", "display": "$531/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30141.0, "price_incl_doc": 30141.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 530.59, "amount_financed": 32024.81, "sales_tax": 1883.81, "total_of_payments": 38202.65, "finance_charge": 6177.84, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260366, VIN KNDERCAA6T7927455. $531 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,141, before any dealer documentation fee. Amount financed $32,025, including $1,884 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,203. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29137.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27257.0, "price_incl_doc": 27257.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 666.81, "amount_financed": 28960.56, "sales_tax": 1703.56, "total_of_payments": 32006.88, "finance_charge": 3046.32, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260507, VIN KNDER2AA8T7953209. $667 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $27,257, before any dealer documentation fee. Amount financed $28,961, including $1,704 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $32,007. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA8T7953209_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 553, "unit": "per_month", "display": "$553/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27257.0, "price_incl_doc": 27257.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.05, "amount_financed": 28960.56, "sales_tax": 1703.56, "total_of_payments": 33182.8, "finance_charge": 4222.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260507, VIN KNDER2AA8T7953209. $553 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,257, before any dealer documentation fee. Amount financed $28,961, including $1,704 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,183. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA8T7953209_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 480, "unit": "per_month", "display": "$480/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27257.0, "price_incl_doc": 27257.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 479.82, "amount_financed": 28960.56, "sales_tax": 1703.56, "total_of_payments": 34547.29, "finance_charge": 5586.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260507, VIN KNDER2AA8T7953209. $480 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,257, before any dealer documentation fee. Amount financed $28,961, including $1,704 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,547. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26705.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDER2AA2T7931559_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 653, "unit": "per_month", "display": "$653/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26705.0, "price_incl_doc": 26705.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.31, "amount_financed": 28374.06, "sales_tax": 1669.06, "total_of_payments": 31358.69, "finance_charge": 2984.63, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260396, VIN KNDER2AA2T7931559. $653 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $26,705, before any dealer documentation fee. Amount financed $28,374, including $1,669 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $31,359. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26705.0, "price_incl_doc": 26705.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 470.11, "amount_financed": 28374.06, "sales_tax": 1669.06, "total_of_payments": 33847.65, "finance_charge": 5473.59, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260396, VIN KNDER2AA2T7931559. $470 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,705, before any dealer documentation fee. Amount financed $28,374, including $1,669 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,848. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 121}}, {"vin": "KNDER2AA0T7931401", "title": "2026 Kia Seltos EX", "year": 2026, "make": "Kia", "model": "Seltos", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 27461.0, "msrp": null, "sale_price": 27461.0, "currency": "USD", "mileage": 75000, "exterior_color": "Pluton Blue", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260403", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/2c0e22622bff40a68ab6daad201be3cd.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/2c0e22622bff40a68ab6daad201be3cd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6c9200b6461543dcb433d1c4bd18a09b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0aa7cc98f34048aeb0926769540a3d1c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3f85a17ead564c9bb20cb3fe6189abb7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9ecc837320a14cf992cf4892edd1f013.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cea93cd88fe643d695d65eef75d72a5e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/552818b1994b44c99368045687d7cfa1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2e5ea13a70834d7ab585701b82087ea9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e03a57600f214538afce0252d081c597.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/db77ff12f4a04629ab32100fa0b1caa2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/254fcf18399f4cdc8e45f8f0c319df9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e360b507dca34413b6bdd8f8f6bd9332.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1ba20e36fb934223bbc89a08679ff435.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18ff7e67afaf4df3a6391fe786973ce4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6b445b01983c4a3f8d5f760b5a7ac8b3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0de30e26341d43dcacbdce9a4a75c910.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6fe9e55d1298416e9b4fcc550f0bfcbc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d16924fe0fe84cb9a9d814b2d15c1856.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/69ab77ef0d1f4abcae5f3dc73cb10aa3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ab5da4e780cb4f509c21589eadc4ba22.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a231a3f1eafb487092143833f738d31a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f61e004f1c474a028d68ebb62262fa79.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0d15247bd80c4ae1821ca3dd344027df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/227a303c70704150b260b97e84d8ffda.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/812769a7586c4124999cfc11ed11cf5f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/194a9474ce3444ccb32d1d4cf98bd5cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed929a3393b5466f8ba3c6a323579da1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7f4671066af949d9b2fa617f6dd4f5fc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e7e16a6ef56b4d9faaf99862ea1c472d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dab4e8461f364b0db0131b897f2785d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/812a5fb4f28e420490d92b8abb098db7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b2e1b84bcf36499d9d71ebc893a6443d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6a9c16ae93124e74a9a05f6219ac4489.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/db26263129cd4efbb88897fb073ec99b.jpg"], "vin_decode": {"make": "Kia", "model": "Seltos", "year": 2026, "trim": "EX", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDER2AA0T7931401.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e6effac181b0c5f24b7f185d4511d.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e6effac181b0c5f24b7f185d4511d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDER2AA0T7931401.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDER2AA0T7931401.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDER2AA0T7931401.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e6effac181b0c5f24b7f185d4511d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260403, VIN KNDER2AA0T7931401. Advertised price: $27,461. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,461"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27461.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDER2AA0T7931401_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 672, "unit": "per_month", "display": "$672/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27461.0, "price_incl_doc": 27461.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 671.8, "amount_financed": 29177.31, "sales_tax": 1716.31, "total_of_payments": 32246.43, "finance_charge": 3069.12, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260403, VIN KNDER2AA0T7931401. $672 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $27,461, before any dealer documentation fee. Amount financed $29,177, including $1,716 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $32,246. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA0T7931401_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 557, "unit": "per_month", "display": "$557/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27461.0, "price_incl_doc": 27461.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 557.19, "amount_financed": 29177.31, "sales_tax": 1716.31, "total_of_payments": 33431.15, "finance_charge": 4253.84, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260403, VIN KNDER2AA0T7931401. $557 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,461, before any dealer documentation fee. Amount financed $29,177, including $1,716 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,431. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA0T7931401_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 483, "unit": "per_month", "display": "$483/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27461.0, "price_incl_doc": 27461.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 483.41, "amount_financed": 29177.31, "sales_tax": 1716.31, "total_of_payments": 34805.85, "finance_charge": 5628.54, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260403, VIN KNDER2AA0T7931401. $483 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,461, before any dealer documentation fee. Amount financed $29,177, including $1,716 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,806. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 110}}, {"vin": "KNDER2AA7T7931217", "title": "2026 Kia Seltos EX", "year": 2026, "make": "Kia", "model": "Seltos", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 26871.0, "msrp": null, "sale_price": 26871.0, "currency": "USD", "mileage": 75000, "exterior_color": "Pluton Blue", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260404", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/5d54c7ddf5e04f3bb47f9f2d96054141.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/5d54c7ddf5e04f3bb47f9f2d96054141.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8b5c707023664d1f866bca7615daaa7f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ae17ffb944564972b23108e695fabbb4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/11984a5f82e94f3ca5539ba2e0274c11.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f102f9f787274022a67a70ae90f365d3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a27159e927784e23a10e590ce7ac4735.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/894402bf0cad40468fbdfc182e88fd18.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f9f3c7446ee4bcbb8c0d7794462af6b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c86405e7334d4b48b504978085b86604.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/79ee9ed18728411c9ca96ce75083c027.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8f82ceae9279435eb5fb593c25ce4c94.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fc6178b9839c4fca854f1cb89b699d9e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a5df1c1849c14ceba828b693bed2c69d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4af5378f8d2b49ec88b36f8908432a9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7f543318d95c4041bd01934947b21687.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a77cb25e9a084432b213f11f00d805f7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7e88e5ba3b004199b386fa640b726c77.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba557fbd4771436a872007fa6bcee778.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5e2a165772c34989974b1b9ed0b65f76.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad67afc2b31a44528adf29f093200933.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3ab8b9133ff14f04b5d56526738784e9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/af712c454ee248578d2f5a5d9c83da8a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e28fb5278f7244f9a2c0b7680d8f8270.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/343e6603b2ac470ab5d523de5e7d750d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7fed22f2c3e242cb917d08171ea9e1b2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bf5b0b4073d14e12b1c9bb51e90e3464.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/387c986987f04c1c851ad67a92f6a761.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5d0b343cf3104d03882789c038f2de70.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ffc4ba8f82ae45d59e00a8d7af9e890c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd6ce1d0bb234e7c9d2b6a0007b17ed2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b441cef56961494886c1f2bc579dd2d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/103ee112f19e46d794fe06c91ebb94d7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7f86ef76669b4bc7873113cc43f89135.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2999b1de76b94729aea18dda2fd9a9a4.jpg"], "vin_decode": {"make": "Kia", "model": "Seltos", "year": 2026, "trim": "EX", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDER2AA7T7931217.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e8c61ac180a40e707227316eb2bd1.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e8c61ac180a40e707227316eb2bd1.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDER2AA7T7931217.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDER2AA7T7931217.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDER2AA7T7931217.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Seltos-be2e8c61ac180a40e707227316eb2bd1.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260404, VIN KNDER2AA7T7931217. Advertised price: $26,871. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,871"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26871.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDER2AA7T7931217_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 657, "unit": "per_month", "display": "$657/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26871.0, "price_incl_doc": 26871.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 657.37, "amount_financed": 28550.44, "sales_tax": 1679.44, "total_of_payments": 31553.62, "finance_charge": 3003.18, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260404, VIN KNDER2AA7T7931217. $657 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $26,871, before any dealer documentation fee. Amount financed $28,550, including $1,679 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $31,554. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA7T7931217_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 545, "unit": "per_month", "display": "$545/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26871.0, "price_incl_doc": 26871.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 545.21, "amount_financed": 28550.44, "sales_tax": 1679.44, "total_of_payments": 32712.89, "finance_charge": 4162.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260404, VIN KNDER2AA7T7931217. $545 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,871, before any dealer documentation fee. Amount financed $28,550, including $1,679 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,713. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA7T7931217_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 473, "unit": "per_month", "display": "$473/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26871.0, "price_incl_doc": 26871.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 473.03, "amount_financed": 28550.44, "sales_tax": 1679.44, "total_of_payments": 34058.05, "finance_charge": 5507.61, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260404, VIN KNDER2AA7T7931217. $473 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,871, before any dealer documentation fee. Amount financed $28,550, including $1,679 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,058. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27242.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDER2AA2T7929844_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 657, "unit": "per_month", "display": "$657/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26852.0, "price_incl_doc": 26852.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 656.9, "amount_financed": 28530.25, "sales_tax": 1678.25, "total_of_payments": 31531.31, "finance_charge": 3001.06, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260375, VIN KNDER2AA2T7929844. $657 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $26,852, before any dealer documentation fee. Amount financed $28,530, including $1,678 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $31,531. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA2T7929844_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 545, "unit": "per_month", "display": "$545/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26852.0, "price_incl_doc": 26852.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.83, "amount_financed": 28530.25, "sales_tax": 1678.25, "total_of_payments": 32689.76, "finance_charge": 4159.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260375, VIN KNDER2AA2T7929844. $545 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,852, before any dealer documentation fee. Amount financed $28,530, including $1,678 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,690. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDER2AA2T7929844_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 473, "unit": "per_month", "display": "$473/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26852.0, "price_incl_doc": 26852.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 472.69, "amount_financed": 28530.25, "sales_tax": 1678.25, "total_of_payments": 34033.97, "finance_charge": 5503.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260375, VIN KNDER2AA2T7929844. $473 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,852, before any dealer documentation fee. Amount financed $28,530, including $1,678 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,034. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27959.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG24J79T5477316_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 684, "unit": "per_month", "display": "$684/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27959.0, "price_incl_doc": 27959.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 683.98, "amount_financed": 29706.44, "sales_tax": 1747.44, "total_of_payments": 32831.22, "finance_charge": 3124.78, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260437, VIN KNAG24J79T5477316. $684 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $27,959, before any dealer documentation fee. Amount financed $29,706, including $1,747 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $32,831. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27959.0, "price_incl_doc": 27959.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 567.29, "amount_financed": 29706.44, "sales_tax": 1747.44, "total_of_payments": 34037.43, "finance_charge": 4330.99, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260437, VIN KNAG24J79T5477316. $567 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,959, before any dealer documentation fee. Amount financed $29,706, including $1,747 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $34,037. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27959.0, "price_incl_doc": 27959.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 492.18, "amount_financed": 29706.44, "sales_tax": 1747.44, "total_of_payments": 35437.05, "finance_charge": 5730.61, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260437, VIN KNAG24J79T5477316. $492 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,959, before any dealer documentation fee. Amount financed $29,706, including $1,747 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,437. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 116}}, {"vin": "KNAG64J74T5452683", "title": "2026 Kia K5 GT\\-Line", "year": 2026, "make": "Kia", "model": "K5", "trim": "GT\\-Line", "decoded_trim": "GT-Line", "condition": "used", "price": 31377.0, "msrp": null, "sale_price": 31377.0, "currency": "USD", "mileage": 4000, "exterior_color": "Wolf Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260290", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, 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makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K5-be2d1237ac183310161e000fa8160a28.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNAG64J74T5452683.html", "json_url": "https://ai.castlekiamchenry.com/v/KNAG64J74T5452683.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNAG64J74T5452683.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K5-be2d1237ac183310161e000fa8160a28.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260290, VIN KNAG64J74T5452683. Advertised price: $31,377. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,377"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31377.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J74T5452683_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 768, "unit": "per_month", "display": "$768/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31377.0, "price_incl_doc": 31377.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 767.6, "amount_financed": 33338.06, "sales_tax": 1961.06, "total_of_payments": 36844.85, "finance_charge": 3506.79, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260290, VIN KNAG64J74T5452683. $768 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $31,377, before any dealer documentation fee. Amount financed $33,338, including $1,961 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,845. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J74T5452683_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 637, "unit": "per_month", "display": "$637/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31377.0, "price_incl_doc": 31377.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 636.64, "amount_financed": 33338.06, "sales_tax": 1961.06, "total_of_payments": 38198.51, "finance_charge": 4860.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260290, VIN KNAG64J74T5452683. $637 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,377, before any dealer documentation fee. Amount financed $33,338, including $1,961 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,199. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J74T5452683_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 552, "unit": "per_month", "display": "$552/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31377.0, "price_incl_doc": 31377.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 552.35, "amount_financed": 33338.06, "sales_tax": 1961.06, "total_of_payments": 39769.24, "finance_charge": 6431.18, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260290, VIN KNAG64J74T5452683. $552 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,377, before any dealer documentation fee. Amount financed $33,338, including $1,961 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,769. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K5-e1913466ac184abdfb3c758d09fc17e6.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNAG64J78T5509872.html", "json_url": "https://ai.castlekiamchenry.com/v/KNAG64J78T5509872.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNAG64J78T5509872.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K5-e1913466ac184abdfb3c758d09fc17e6.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,459"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29459.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29459.0, "price_incl_doc": 29459.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 720.68, "amount_financed": 31300.19, "sales_tax": 1841.19, "total_of_payments": 34592.62, "finance_charge": 3292.43, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260631, VIN KNAG64J78T5509872. $721 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $29,459, before any dealer documentation fee. Amount financed $31,300, including $1,841 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,593. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J78T5509872_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 598, "unit": "per_month", "display": "$598/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29459.0, "price_incl_doc": 29459.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 597.73, "amount_financed": 31300.19, "sales_tax": 1841.19, "total_of_payments": 35863.53, "finance_charge": 4563.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260631, VIN KNAG64J78T5509872. $598 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,459, before any dealer documentation fee. Amount financed $31,300, including $1,841 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,864. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31077.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J71T5470705_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 760, "unit": "per_month", "display": "$760/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31077.0, "price_incl_doc": 31077.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 760.26, "amount_financed": 33019.31, "sales_tax": 1942.31, "total_of_payments": 36492.57, "finance_charge": 3473.26, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260408, VIN KNAG64J71T5470705. $760 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $31,077, before any dealer documentation fee. Amount financed $33,019, including $1,942 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,493. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J71T5470705_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 631, "unit": "per_month", "display": "$631/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31077.0, "price_incl_doc": 31077.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 630.55, "amount_financed": 33019.31, "sales_tax": 1942.31, "total_of_payments": 37833.29, "finance_charge": 4813.98, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260408, VIN KNAG64J71T5470705. $631 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,077, before any dealer documentation fee. Amount financed $33,019, including $1,942 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,833. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J71T5470705_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 547, "unit": "per_month", "display": "$547/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31077.0, "price_incl_doc": 31077.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 547.07, "amount_financed": 33019.31, "sales_tax": 1942.31, "total_of_payments": 39389.0, "finance_charge": 6369.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260408, VIN KNAG64J71T5470705. $547 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,077, before any dealer documentation fee. Amount financed $33,019, including $1,942 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,389. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31063.0, "price_incl_doc": 31063.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 630.27, "amount_financed": 33004.44, "sales_tax": 1941.44, "total_of_payments": 37816.25, "finance_charge": 4811.81, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260120, VIN KNAG64J74T5429291. $630 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,063, before any dealer documentation fee. Amount financed $33,004, including $1,941 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,816. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28035.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28035.0, "price_incl_doc": 28035.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 685.84, "amount_financed": 29787.19, "sales_tax": 1752.19, "total_of_payments": 32920.46, "finance_charge": 3133.27, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260498, VIN KNAG24J77T5486788. $686 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $28,035, before any dealer documentation fee. Amount financed $29,787, including $1,752 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $32,920. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33076.0, "price_incl_doc": 33076.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 671.11, "amount_financed": 35143.25, "sales_tax": 2067.25, "total_of_payments": 40266.88, "finance_charge": 5123.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260548, VIN KNAG64J75T5501616. $671 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,076, before any dealer documentation fee. Amount financed $35,143, including $2,067 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,267. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J75T5501616_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33076.0, "price_incl_doc": 33076.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.26, "amount_financed": 35143.25, "sales_tax": 2067.25, "total_of_payments": 41922.67, "finance_charge": 6779.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260548, VIN KNAG64J75T5501616. $582 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,076, before any dealer documentation fee. Amount financed $35,143, including $2,067 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,923. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J73T5482483_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 809, "unit": "per_month", "display": "$809/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J73T5482483_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 671, "unit": "per_month", "display": "$671/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33076.0, "price_incl_doc": 33076.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 671.11, "amount_financed": 35143.25, "sales_tax": 2067.25, "total_of_payments": 40266.88, "finance_charge": 5123.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260462, VIN KNAG64J73T5482483. $671 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,076, before any dealer documentation fee. Amount financed $35,143, including $2,067 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,267. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J73T5482483_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33076.0, "price_incl_doc": 33076.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.26, "amount_financed": 35143.25, "sales_tax": 2067.25, "total_of_payments": 41922.67, "finance_charge": 6779.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260462, VIN KNAG64J73T5482483. $582 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,076, before any dealer documentation fee. Amount financed $35,143, including $2,067 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,923. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30906.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J73T5466994_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 756, "unit": "per_month", "display": "$756/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30906.0, "price_incl_doc": 30906.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 756.08, "amount_financed": 32837.63, "sales_tax": 1931.63, "total_of_payments": 36291.78, "finance_charge": 3454.15, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260296, VIN KNAG64J73T5466994. $756 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,906, before any dealer documentation fee. Amount financed $32,838, including $1,932 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $36,292. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J73T5466994_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 627, "unit": "per_month", "display": "$627/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30906.0, "price_incl_doc": 30906.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 627.09, "amount_financed": 32837.63, "sales_tax": 1931.63, "total_of_payments": 37625.12, "finance_charge": 4787.49, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260296, VIN KNAG64J73T5466994. $627 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,906, before any dealer documentation fee. Amount financed $32,838, including $1,932 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,625. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J73T5466994_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 544, "unit": "per_month", "display": "$544/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30906.0, "price_incl_doc": 30906.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.06, "amount_financed": 32837.63, "sales_tax": 1931.63, "total_of_payments": 39172.27, "finance_charge": 6334.64, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260296, VIN KNAG64J73T5466994. $544 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,906, before any dealer documentation fee. Amount financed $32,838, including $1,932 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,172. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 148}}, {"vin": "KNAG64J7XT5520629", "title": "2026 Kia K5 GT\\-Line", "year": 2026, "make": "Kia", "model": "K5", "trim": "GT\\-Line", "decoded_trim": "GT-Line", "condition": "used", "price": 29459.0, "msrp": null, "sale_price": 29459.0, "currency": "USD", "mileage": 4000, "exterior_color": "Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260670", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "K5", "year": 2026, "trim": "GT-Line", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNAG64J7XT5520629.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K5-865d2329ac180aac8449eac65a249603.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K5-865d2329ac180aac8449eac65a249603.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNAG64J7XT5520629.html", "json_url": "https://ai.castlekiamchenry.com/v/KNAG64J7XT5520629.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNAG64J7XT5520629.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K5-865d2329ac180aac8449eac65a249603.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260670, VIN KNAG64J7XT5520629. Advertised price: $29,459. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,459"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29459.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J7XT5520629_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 721, "unit": "per_month", "display": "$721/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29459.0, "price_incl_doc": 29459.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 720.68, "amount_financed": 31300.19, "sales_tax": 1841.19, "total_of_payments": 34592.62, "finance_charge": 3292.43, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260670, VIN KNAG64J7XT5520629. $721 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $29,459, before any dealer documentation fee. Amount financed $31,300, including $1,841 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,593. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J7XT5520629_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 598, "unit": "per_month", "display": "$598/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29459.0, "price_incl_doc": 29459.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 597.73, "amount_financed": 31300.19, "sales_tax": 1841.19, "total_of_payments": 35863.53, "finance_charge": 4563.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260670, VIN KNAG64J7XT5520629. $598 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,459, before any dealer documentation fee. Amount financed $31,300, including $1,841 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,864. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J7XT5520629_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 519, "unit": "per_month", "display": "$519/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29459.0, "price_incl_doc": 29459.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 518.59, "amount_financed": 31300.19, "sales_tax": 1841.19, "total_of_payments": 37338.25, "finance_charge": 6038.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260670, VIN KNAG64J7XT5520629. $519 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,459, before any dealer documentation fee. Amount financed $31,300, including $1,841 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,338. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31263.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32886.0, "price_incl_doc": 32886.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 804.52, "amount_financed": 34941.38, "sales_tax": 2055.38, "total_of_payments": 38616.82, "finance_charge": 3675.44, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260671, VIN KNAG64J71T5522236. $805 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,886, before any dealer documentation fee. Amount financed $34,941, including $2,055 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $38,617. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J71T5522236_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 667, "unit": "per_month", "display": "$667/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32886.0, "price_incl_doc": 32886.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 667.26, "amount_financed": 34941.38, "sales_tax": 2055.38, "total_of_payments": 40035.58, "finance_charge": 5094.2, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260671, VIN KNAG64J71T5522236. $667 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,886, before any dealer documentation fee. Amount financed $34,941, including $2,055 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,036. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J71T5522236_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 579, "unit": "per_month", "display": "$579/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32886.0, "price_incl_doc": 32886.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 578.91, "amount_financed": 34941.38, "sales_tax": 2055.38, "total_of_payments": 41681.85, "finance_charge": 6740.47, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260671, VIN KNAG64J71T5522236. $579 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,886, before any dealer documentation fee. Amount financed $34,941, including $2,055 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,682. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 22, "elapsed_ms": 135}}, {"vin": "3KPFT4DE8TE387813", "title": "2026 Kia K4 LXS", "year": 2026, "make": "Kia", "model": "K4", "trim": "LXS", "decoded_trim": "LX, LXS", "condition": "used", "price": 23866.0, "msrp": null, "sale_price": 23866.0, "currency": "USD", "mileage": 17000, "exterior_color": "Interstellar", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260667", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "LX, LXS", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFT4DE8TE387813.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-81382416ac1814e012e1fffc7ab054b7.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-81382416ac1814e012e1fffc7ab054b7.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE8TE387813.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE8TE387813.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE8TE387813.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-81382416ac1814e012e1fffc7ab054b7.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260667, VIN 3KPFT4DE8TE387813. Advertised price: $23,866. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,866"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE8TE387813_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.85, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 28024.97, "finance_charge": 2667.34, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260667, VIN 3KPFT4DE8TE387813. $584 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,025. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE8TE387813_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260667, VIN 3KPFT4DE8TE387813. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE8TE387813_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.13, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 30249.32, "finance_charge": 4891.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260667, VIN 3KPFT4DE8TE387813. $420 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,249. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 142}}, {"vin": "3KPFT4DE1TE386888", "title": "2026 Kia K4 LXS", "year": 2026, "make": "Kia", "model": "K4", "trim": "LXS", "decoded_trim": "LX, LXS", "condition": "used", "price": 23866.0, "msrp": null, "sale_price": 23866.0, "currency": "USD", "mileage": 17000, "exterior_color": "Deep Sea Blue", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260665", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "LX, LXS", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFT4DE1TE386888.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-81382a37ac18565efbfe56c4afa6d2d2.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-81382a37ac18565efbfe56c4afa6d2d2.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE1TE386888.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE1TE386888.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE1TE386888.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-81382a37ac18565efbfe56c4afa6d2d2.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260665, VIN 3KPFT4DE1TE386888. Advertised price: $23,866. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,866"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE1TE386888_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.85, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 28024.97, "finance_charge": 2667.34, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260665, VIN 3KPFT4DE1TE386888. $584 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,025. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE1TE386888_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260665, VIN 3KPFT4DE1TE386888. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE1TE386888_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.13, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 30249.32, "finance_charge": 4891.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260665, VIN 3KPFT4DE1TE386888. $420 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,249. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 144}}, {"vin": "3KPFT4DE2TE361109", "title": "2026 Kia K4 LX", "year": 2026, "make": "Kia", "model": "K4", "trim": "LX", "decoded_trim": "LX, LXS", "condition": "used", "price": 23194.0, "msrp": null, "sale_price": 23194.0, "currency": "USD", "mileage": 17000, "exterior_color": "Snow White Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260674", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "LX, LXS", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFT4DE2TE361109.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-9719528aac18221a7f70d51e4a225909.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-9719528aac18221a7f70d51e4a225909.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE2TE361109.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE2TE361109.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE2TE361109.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-9719528aac18221a7f70d51e4a225909.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260674, VIN 3KPFT4DE2TE361109. Advertised price: $23,194. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,194"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23194.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE2TE361109_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 567, "unit": "per_month", "display": "$567/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23194.0, "price_incl_doc": 23194.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 567.41, "amount_financed": 24643.63, "sales_tax": 1449.63, "total_of_payments": 27235.86, "finance_charge": 2592.23, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260674, VIN 3KPFT4DE2TE361109. $567 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $23,194, before any dealer documentation fee. Amount financed $24,644, including $1,450 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $27,236. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE2TE361109_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 471, "unit": "per_month", "display": "$471/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23194.0, "price_incl_doc": 23194.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 470.61, "amount_financed": 24643.63, "sales_tax": 1449.63, "total_of_payments": 28236.49, "finance_charge": 3592.86, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260674, VIN 3KPFT4DE2TE361109. $471 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,194, before any dealer documentation fee. Amount financed $24,644, including $1,450 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $28,236. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE2TE361109_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 408, "unit": "per_month", "display": "$408/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23194.0, "price_incl_doc": 23194.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 408.3, "amount_financed": 24643.63, "sales_tax": 1449.63, "total_of_payments": 29397.59, "finance_charge": 4753.96, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260674, VIN 3KPFT4DE2TE361109. $408 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,194, before any dealer documentation fee. Amount financed $24,644, including $1,450 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $29,398. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J75T5524278_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28987.0, "price_incl_doc": 28987.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.13, "amount_financed": 30798.69, "sales_tax": 1811.69, "total_of_payments": 34038.36, "finance_charge": 3239.67, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260669, VIN KNAG64J75T5524278. $709 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $28,987, before any dealer documentation fee. Amount financed $30,799, including $1,812 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,038. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J75T5524278_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28987.0, "price_incl_doc": 28987.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.15, "amount_financed": 30798.69, "sales_tax": 1811.69, "total_of_payments": 35288.92, "finance_charge": 4490.23, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260669, VIN KNAG64J75T5524278. $588 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,987, before any dealer documentation fee. Amount financed $30,799, including $1,812 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,289. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J75T5524278_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 510, "unit": "per_month", "display": "$510/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28987.0, "price_incl_doc": 28987.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 510.28, "amount_financed": 30798.69, "sales_tax": 1811.69, "total_of_payments": 36740.01, "finance_charge": 5941.32, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260669, VIN KNAG64J75T5524278. $510 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,987, before any dealer documentation fee. Amount financed $30,799, including $1,812 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,740. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 150}}, {"vin": "3KPFU4DE6TE343211", "title": "2026 Kia K4 EX", "year": 2026, "make": "Kia", "model": "K4", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 24913.0, "msrp": null, "sale_price": 24913.0, "currency": "USD", "mileage": 17000, "exterior_color": "Interstellar Gray", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260546", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/5794fd1c4ace49819d8ddff125a542ee.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/5794fd1c4ace49819d8ddff125a542ee.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/90bb74a421dc4299beb3e2d49d0e8f3e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/16032e068f5d425f852fb5a0cc500817.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/78977c105c064209a7dfefa60e84d344.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/81b0954436854671af4538b3e2cd56ec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/14510ee7f1b34643a8e0eeac878a83b7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fc4933a7f4d0428ba12bd9862c67e35c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/31478293e5d946df810e212d76b719b7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7cecb10fac73482583b170aa026f645b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e64dc09ef3b74bf3bafe9807f3b5de01.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7213d2e75b3e4055bf1046d0b28ce806.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4b5163f85f314bc8a3cb9f842951e2ef.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1842ccfab05d4c35936ac27a35f2d633.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/391f2c2dd86b4d5cb07453e4661967c6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a387568616014bb69b268bf91a1b5735.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a4255cb47954477b896eab552fc6afbb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9dd209c98ab7439e925c33ceb14d2d76.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8cf9e8153e6e4ded881ccca650b3c06b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cf0497e1aa8d4c0b86f5421c71c54b07.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fb1a451edb014d4388bcf4e2a87552b8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/624deb37bd9c4847b8b81c3f9255eb25.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2032f724c51444c29842d69da015ebb4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e2fa3d9998b84bb580d67290d69edeed.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/630a7918ba804f45bb03857de5df7b69.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/588ac76c112c4c7199671ae5ae2f0921.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/35c5450a44324158ab95343145141b7d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/16292ecf99db40d9a3ab825c3613185c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d9a1906971114c9d8384b03141393d48.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a5baa334cbc34721ae98a7d2ae9559bd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eec3a0708d6548cbb82b04ea6b88cb67.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/80722c01c4e74676918a30dc4b0be30a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0fb866faf5b64adeb76fdc9bf90b664b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/be49dbc3798d4e95b9964667355c7669.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/df8b2daf2a724b81ab63388e83f21923.jpg"], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "EX", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFU4DE6TE343211.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2f6c09ac184c5d1b9eb0c57e25fa25.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2f6c09ac184c5d1b9eb0c57e25fa25.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFU4DE6TE343211.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFU4DE6TE343211.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFU4DE6TE343211.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2f6c09ac184c5d1b9eb0c57e25fa25.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260546, VIN 3KPFU4DE6TE343211. Advertised price: $24,913. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,913"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24913.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFU4DE6TE343211_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.47, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 29254.41, "finance_charge": 2784.35, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260546, VIN 3KPFU4DE6TE343211. $609 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $29,254. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFU4DE6TE343211_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 505, "unit": "per_month", "display": "$505/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 505.49, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 30329.2, "finance_charge": 3859.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260546, VIN 3KPFU4DE6TE343211. $505 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,329. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFU4DE6TE343211_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 439, "unit": "per_month", "display": "$439/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 438.56, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 31576.35, "finance_charge": 5106.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260546, VIN 3KPFU4DE6TE343211. $439 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,576. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-f10636c1ac180605cb706907638f39cb.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DEXTE375629.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DEXTE375629.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DEXTE375629.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-f10636c1ac180605cb706907638f39cb.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,242"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24242.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DEXTE375629_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 593, "unit": "per_month", "display": "$593/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24242.0, "price_incl_doc": 24242.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.05, "amount_financed": 25757.13, "sales_tax": 1515.13, "total_of_payments": 28466.49, "finance_charge": 2709.36, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260632, VIN 3KPFT4DEXTE375629. $593 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $24,242, before any dealer documentation fee. Amount financed $25,757, including $1,515 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,466. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DEXTE375629_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 492, "unit": "per_month", "display": "$492/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24242.0, "price_incl_doc": 24242.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 491.87, "amount_financed": 25757.13, "sales_tax": 1515.13, "total_of_payments": 29512.33, "finance_charge": 3755.2, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260632, VIN 3KPFT4DEXTE375629. $492 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,242, before any dealer documentation fee. Amount financed $25,757, including $1,515 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,512. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DEXTE375629_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 427, "unit": "per_month", "display": "$427/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J72T5521211_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 792, "unit": "per_month", "display": "$792/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32381.0, "price_incl_doc": 32381.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 792.16, "amount_financed": 34404.81, "sales_tax": 2023.81, "total_of_payments": 38023.81, "finance_charge": 3619.0, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260654, VIN KNAG64J72T5521211. $792 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,381, before any dealer documentation fee. Amount financed $34,405, including $2,024 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $38,024. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J72T5521211_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 657, "unit": "per_month", "display": "$657/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32381.0, "price_incl_doc": 32381.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 657.01, "amount_financed": 34404.81, "sales_tax": 2023.81, "total_of_payments": 39420.78, "finance_charge": 5015.97, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260654, VIN KNAG64J72T5521211. $657 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,381, before any dealer documentation fee. Amount financed $34,405, including $2,024 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,421. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J72T5521211_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32381.0, "price_incl_doc": 32381.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 570.02, "amount_financed": 34404.81, "sales_tax": 2023.81, "total_of_payments": 41041.78, "finance_charge": 6636.97, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260654, VIN KNAG64J72T5521211. $570 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,381, before any dealer documentation fee. Amount financed $34,405, including $2,024 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,042. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 22, "elapsed_ms": 153}}, {"vin": "3KPFT4DE0TE335494", "title": "2026 Kia K4 LXS", "year": 2026, "make": "Kia", "model": "K4", "trim": "LXS", "decoded_trim": "LX, LXS", "condition": "used", "price": 24242.0, "msrp": null, "sale_price": 24242.0, "currency": "USD", "mileage": 17000, "exterior_color": "Snow White Pearl", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260517", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/777d88bbd444487c954917765143e7d3.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/777d88bbd444487c954917765143e7d3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6f69327a40434c2796aa6dcf4e08f36b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f4ab44f8bcaa4b7cb4a7cb2b716acd96.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4f8dd206df2e473781bcdeb4ccca3a40.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aa7d19382274458bbbc981a7fa703d23.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cefacdeeff154530b757ef86a5e0e90f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0000f1abf6d842ecb9bc443f9c55eae1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a40e15b122b142378973c1a208fde678.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2e1cc620390d44bbbb92de1433509253.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a67e50a32e52498dba7b1d19bbf13ef2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0e4b99198f47493ca739634a98170b5d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/23bdf2b9523a486c826ddac0c63d9f16.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dc1de9b7040d42d3bbbce950a161d7dc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f384e1697434e24a492c0f76b254a24.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b97ac93e1a5b4405ba5e813ad21eeca2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5ec06b33a9124c7c90e6775670c6317f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f885d6f982f34f658729065d9f5693df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/843a5fc10cb14bf8bfa056d61ca2e4ed.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/de6097d119684fb4b9e59f9bc1a72b52.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e160c1fec29b4dc6b40eaf7671acc125.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7b98cc6a6f224a6ba3e18cc24a10cac4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/00f6155067db4a4584fe647c2fbdf24a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ddb5c70f4492440e970b107ebe8ab063.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/110593f578b54fafad07918373f54fff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6bf4831161f14d189cb56f11a7044da0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/420e5aeb52384e9cb89f0eed93a5df8f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7c22d21f462a483a9dc6da4faa8b0f37.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d07a69f58d6b4836aa769cc2c467ddca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/974a081808644f3e967bfe2b75d21f88.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7cb8eab28e3445ad9ffe2bb79f4f0fae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/98b5bc414aaf4ec9aceebb13a87b7aea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c4e5224ba18c4fc59e2185b91de9c81d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/be9091c2613a41298a2b639436526eac.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/14d18b1251df467cba4fbf220df6124a.jpg"], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "LX, LXS", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFT4DE0TE335494.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2f73c0ac180a40e7072273f4705416.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2f73c0ac180a40e7072273f4705416.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE0TE335494.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE0TE335494.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE0TE335494.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2f73c0ac180a40e7072273f4705416.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260517, VIN 3KPFT4DE0TE335494. Advertised price: $24,242. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,242"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24242.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE0TE335494_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 593, "unit": "per_month", "display": "$593/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24242.0, "price_incl_doc": 24242.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.05, "amount_financed": 25757.13, "sales_tax": 1515.13, "total_of_payments": 28466.49, "finance_charge": 2709.36, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260517, VIN 3KPFT4DE0TE335494. $593 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $24,242, before any dealer documentation fee. Amount financed $25,757, including $1,515 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,466. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE0TE335494_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 492, "unit": "per_month", "display": "$492/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24242.0, "price_incl_doc": 24242.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 491.87, "amount_financed": 25757.13, "sales_tax": 1515.13, "total_of_payments": 29512.33, "finance_charge": 3755.2, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260517, VIN 3KPFT4DE0TE335494. $492 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,242, before any dealer documentation fee. Amount financed $25,757, including $1,515 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,512. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE0TE335494_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 427, "unit": "per_month", "display": "$427/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24242.0, "price_incl_doc": 24242.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 426.75, "amount_financed": 25757.13, "sales_tax": 1515.13, "total_of_payments": 30725.89, "finance_charge": 4968.76, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260517, VIN 3KPFT4DE0TE335494. $427 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,242, before any dealer documentation fee. Amount financed $25,757, including $1,515 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,726. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE7TE386278_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260666, VIN 3KPFT4DE7TE386278. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE7TE386278_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.13, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 30249.32, "finance_charge": 4891.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260666, VIN 3KPFT4DE7TE386278. $420 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,249. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 141}}, {"vin": "3KPFU5DC7TE306253", "title": "2026 Kia K4 GT\\-Line Turbo", "year": 2026, "make": "Kia", "model": "K4", "trim": "GT\\-Line Turbo", "decoded_trim": "GT-Line Turbo", "condition": "used", "price": 30588.0, "msrp": null, "sale_price": 30588.0, "currency": "USD", "mileage": 17000, "exterior_color": "Wave Blue", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Hatchback", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "1.6L I4 DGI 16V", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260574", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,588"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30588.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFU5DC7TE306253_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 748, "unit": "per_month", "display": "$748/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30588.0, "price_incl_doc": 30588.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 748.3, "amount_financed": 32499.75, "sales_tax": 1911.75, "total_of_payments": 35918.36, "finance_charge": 3418.61, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260574, VIN 3KPFU5DC7TE306253. $748 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,588, before any dealer documentation fee. Amount financed $32,500, including $1,912 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $35,918. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30588.0, "price_incl_doc": 30588.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 620.63, "amount_financed": 32499.75, "sales_tax": 1911.75, "total_of_payments": 37237.98, "finance_charge": 4738.23, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260574, VIN 3KPFU5DC7TE306253. $621 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,588, before any dealer documentation fee. Amount financed $32,500, including $1,912 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,238. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFU5DC7TE306253_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 538, "unit": "per_month", "display": "$538/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30588.0, "price_incl_doc": 30588.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 538.46, "amount_financed": 32499.75, "sales_tax": 1911.75, "total_of_payments": 38769.21, "finance_charge": 6269.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260574, VIN 3KPFU5DC7TE306253. $538 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,588, before any dealer documentation fee. Amount financed $32,500, including $1,912 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,769. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 154}}, {"vin": "3KPFT4DE3TE387007", "title": "2026 Kia K4 LXS", "year": 2026, "make": "Kia", "model": "K4", "trim": "LXS", "decoded_trim": "LX, LXS", "condition": "used", "price": 23866.0, "msrp": null, "sale_price": 23866.0, "currency": "USD", "mileage": 17000, "exterior_color": "Aurora Black", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260664", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "LX, LXS", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFT4DE3TE387007.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-813825f5ac1814e012e1fffc233aafb7.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-813825f5ac1814e012e1fffc233aafb7.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE3TE387007.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE3TE387007.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE3TE387007.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-813825f5ac1814e012e1fffc233aafb7.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260664, VIN 3KPFT4DE3TE387007. Advertised price: $23,866. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,866"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE3TE387007_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.85, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 28024.97, "finance_charge": 2667.34, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260664, VIN 3KPFT4DE3TE387007. $584 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,025. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE3TE387007_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260664, VIN 3KPFT4DE3TE387007. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE3TE387007_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.13, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 30249.32, "finance_charge": 4891.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260664, VIN 3KPFT4DE3TE387007. $420 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,249. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 152}}, {"vin": "3KPFT4DE7TE389763", "title": "2026 Kia K4 LX", "year": 2026, "make": "Kia", "model": "K4", "trim": "LX", "decoded_trim": "LX, LXS", "condition": "used", "price": 23866.0, "msrp": null, "sale_price": 23866.0, "currency": "USD", "mileage": 17000, "exterior_color": "Steel Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260672", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "LX, LXS", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFT4DE7TE389763.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-90e80721ac18565efbfe56c4fdd901a2.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-90e80721ac18565efbfe56c4fdd901a2.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE7TE389763.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE7TE389763.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE7TE389763.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-90e80721ac18565efbfe56c4fdd901a2.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260672, VIN 3KPFT4DE7TE389763. Advertised price: $23,866. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,866"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE7TE389763_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.85, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 28024.97, "finance_charge": 2667.34, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260672, VIN 3KPFT4DE7TE389763. $584 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,025. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE7TE389763_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260672, VIN 3KPFT4DE7TE389763. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE7TE389763_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.13, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 30249.32, "finance_charge": 4891.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260672, VIN 3KPFT4DE7TE389763. $420 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,249. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.85, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 28024.97, "finance_charge": 2667.34, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260663, VIN 3KPFT4DE4TE376193. $584 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,025. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE4TE376193_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260663, VIN 3KPFT4DE4TE376193. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.13, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 30249.32, "finance_charge": 4891.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260663, VIN 3KPFT4DE4TE376193. $420 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,249. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFW4DC5TE256313_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 710, "unit": "per_month", "display": "$710/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29040.0, "price_incl_doc": 29040.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 710.43, "amount_financed": 30855.0, "sales_tax": 1815.0, "total_of_payments": 34100.6, "finance_charge": 3245.6, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260292, VIN 3KPFW4DC5TE256313. $710 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $29,040, before any dealer documentation fee. Amount financed $30,855, including $1,815 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,101. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFW4DC5TE256313_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29040.0, "price_incl_doc": 29040.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.22, "amount_financed": 30855.0, "sales_tax": 1815.0, "total_of_payments": 35353.44, "finance_charge": 4498.44, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260292, VIN 3KPFW4DC5TE256313. $589 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,040, before any dealer documentation fee. Amount financed $30,855, including $1,815 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,353. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFW4DC5TE256313_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 511, "unit": "per_month", "display": "$511/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29040.0, "price_incl_doc": 29040.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 511.21, "amount_financed": 30855.0, "sales_tax": 1815.0, "total_of_payments": 36807.18, "finance_charge": 5952.18, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260292, VIN 3KPFW4DC5TE256313. $511 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,040, before any dealer documentation fee. Amount financed $30,855, including $1,815 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,807. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29248.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFU5DE7TE382427_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 716, "unit": "per_month", "display": "$716/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29248.0, "price_incl_doc": 29248.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 715.52, "amount_financed": 31076.0, "sales_tax": 1828.0, "total_of_payments": 34344.84, "finance_charge": 3268.84, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260651, VIN 3KPFU5DE7TE382427. $716 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $29,248, before any dealer documentation fee. Amount financed $31,076, including $1,828 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,345. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29248.0, "price_incl_doc": 29248.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.44, "amount_financed": 31076.0, "sales_tax": 1828.0, "total_of_payments": 35606.66, "finance_charge": 4530.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260651, VIN 3KPFU5DE7TE382427. $593 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,248, before any dealer documentation fee. Amount financed $31,076, including $1,828 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,607. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29248.0, "price_incl_doc": 29248.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 514.87, "amount_financed": 31076.0, "sales_tax": 1828.0, "total_of_payments": 37070.81, "finance_charge": 5994.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260651, VIN 3KPFU5DE7TE382427. $515 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,248, before any dealer documentation fee. Amount financed $31,076, including $1,828 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,071. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 122}}, {"vin": "3KPFT4DE8TE377184", "title": "2026 Kia K4 LX", "year": 2026, "make": "Kia", "model": "K4", "trim": "LX", "decoded_trim": "LX, LXS", "condition": "used", "price": 23866.0, "msrp": null, "sale_price": 23866.0, "currency": "USD", "mileage": 17000, "exterior_color": "Morning Haze", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260637", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/8f6f68cda81e4837b6f4bc4217f519a0.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/8f6f68cda81e4837b6f4bc4217f519a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a503ac2c21cd4038acc3dd2e6a9cec33.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e81ffcecb9564c1e99f4ed45fe95224c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/89f5394538e44c6eb10f7a8d846d3e74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/82bca199d2e8415e99e24c54ecc7bcf8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a8b6404cbe704fbdb423090f6fc414ba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/994b29d56eff4b54b6cc0e00ad6fef0d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/955ffe92296c423588bb57c92235033b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/861c28a03cbb4cff873f9fed76c3f775.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/22f5788f6fbb4625aefb563590e410b9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dd1bc5fd8a97463eb7cc13c0d6b4c8b1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed36c23781814e6b80a3f2df6ec7d8fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b15c8dcf02b84a9f8b89482fd28a61bb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b7878613912c46db96aaa386068bf7d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/77e9b043d9764e2288fb18c2b6b3b7f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0aa47523867741a1a841127ded29ac96.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9196d0c9472d46eca62f5cf8e77dd173.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd1bab6ce39343b6a88e8a738c5c2b19.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e980d165b20b46e18c8fa913c15c1c36.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/364f4c669b194df39554cd5d2f33ebbe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6b601393842b45ebbebce911d64edaa7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1808dda36d4143f6a856e7ad218c33f1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a91df919b6ce4e7d920d48fb96aa7e40.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b41d34a179594ca3b6dfb3146c4f5137.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/19481479d47f430dbc17f551371c0de0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/92020a34af8e42a4971b2f1624771f0b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7687dda2594d475faf40a618b1ab6eab.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aa903915ef0e41bfb41d67ffbccf4625.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/be52bb9d2d56412eae3e3f64ee21302b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/82b7dab21b334560be4f2192465b3bbb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/412374ebe6764797aad9c17caec31fca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9a69c341cf3f4cc59f44f055cb03e3f9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e0f19c52e375487c912b4a63023a0a58.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/45de9419b8f346079de3d6b450a9eedf.jpg"], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "LX, LXS", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFT4DE8TE377184.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-059ea563ac184759c8b579b4d1ffa82a.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-059ea563ac184759c8b579b4d1ffa82a.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE8TE377184.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE8TE377184.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE8TE377184.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-059ea563ac184759c8b579b4d1ffa82a.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260637, VIN 3KPFT4DE8TE377184. Advertised price: $23,866. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,866"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE8TE377184_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.85, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 28024.97, "finance_charge": 2667.34, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260637, VIN 3KPFT4DE8TE377184. $584 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,025. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE8TE377184_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260637, VIN 3KPFT4DE8TE377184. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE8TE377184_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.13, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 30249.32, "finance_charge": 4891.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260637, VIN 3KPFT4DE8TE377184. $420 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,249. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 88}}, {"vin": "3KPFU4DE6TE358761", "title": "2026 Kia K4 EX", "year": 2026, "make": "Kia", "model": "K4", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 24913.0, "msrp": null, "sale_price": 24913.0, "currency": "USD", "mileage": 17000, "exterior_color": "Aurora Black Pearl", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260614", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/fa298ef234c0433fa3eae4eb34477118.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/fa298ef234c0433fa3eae4eb34477118.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e99e6eef194142f2a4ddeea0047b8558.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/90318b77304f42068417ffa90d5630a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a32275e8e320428386a045bfb395627d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/129e8d2e470c498cbc552a55c0347bf5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1c97fae206014241a802a112dabc8528.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ca5b7458a2af405d989fcec859f3b999.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c7396b208ec44272a8d7ac3b26636b36.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/81b93260f06540ee835a0a728aaa2f85.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/26306651f315453ca441319b08eb20b9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/34bb792283d541b1814b81b301cc2ef8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/beeca7c8521f42debaf86c564d128757.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1f5ab4450b8f43c588e062f8053b8217.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dd64a49adb4e4eaab6c5e9bf63a54345.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/db289b171bb64fdba977b406b764ab68.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d396dcb201244d7eaba56877fa81a546.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7516f27ef97244d8adcae1358e9c0242.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c70e068bbcdc478e98f75cf2e188e796.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a323bd18fce64413b56c70e5bb39cd83.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/acd439075e594f208078f3213e57b28a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7aa31bb185d8414c9522064a3d726db2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/55e69ff635b94c94a0aca13957ec3705.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4017877585d7438ab07c41ed09849f1c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ea09fc29679441f8fcc20f3961d2304.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d11050f61633438eb31966f5371a5ec8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/752ae92d6d4c4bc18f55e7bfc4055d3f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ac93ab4113264a1cb2037288663212e0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/be3e491ccb2646d88bd0377b0594dd85.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/abe2f66ed21e4dcd8c183d7b33bc6e3a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6ebb27c4512c43baac516759dd6c70c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d0f77c28e44248468d94f4ad31d11bf7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d14776b959e1466fb6be8ad1df518ac3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ae24c595c1684449a1f5092a7cbef038.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ea5e659edf14fad87509c589c377e47.jpg"], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "EX", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFU4DE6TE358761.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2dab51ac184b703a7f6e3fae29a362.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2dab51ac184b703a7f6e3fae29a362.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFU4DE6TE358761.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFU4DE6TE358761.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFU4DE6TE358761.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2dab51ac184b703a7f6e3fae29a362.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260614, VIN 3KPFU4DE6TE358761. Advertised price: $24,913. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,913"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24913.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFU4DE6TE358761_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.47, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 29254.41, "finance_charge": 2784.35, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260614, VIN 3KPFU4DE6TE358761. $609 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $29,254. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFU4DE6TE358761_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 505, "unit": "per_month", "display": "$505/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 505.49, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 30329.2, "finance_charge": 3859.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260614, VIN 3KPFU4DE6TE358761. $505 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,329. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFU4DE6TE358761_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 439, "unit": "per_month", "display": "$439/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 438.56, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 31576.35, "finance_charge": 5106.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260614, VIN 3KPFU4DE6TE358761. $439 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,576. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 77}}, {"vin": "3KPFT4DE3TE376511", "title": "2026 Kia K4 LX", "year": 2026, "make": "Kia", "model": "K4", "trim": "LX", "decoded_trim": "LX, LXS", "condition": "used", "price": 24242.0, "msrp": null, "sale_price": 24242.0, "currency": "USD", "mileage": 17000, "exterior_color": "Snow White", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260636", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/f10f433bffdc48fc9344cf9652e29eb9.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/f10f433bffdc48fc9344cf9652e29eb9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/471419fb26434855b8937181cb310a66.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/388483963fbc4de2a6fe9e69565b9b74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a795f95e3e3b482b883a996d36f0a532.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5db464635ce841ce9a6bc3a3da8dbf7d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8ad4ba95ffaa49c0bafa1b5b16e3265c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bb97c87e199e48f2b23c49dde8aba53a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8527009044e9492e9b81941c894d8b6e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0a09091628a5465889e87646a5d83836.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d25d569a181f4244a5ce256294a71109.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5611b807f5654684b6016c025acf7685.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/57fca2072faa4e48b7510452e876f5b4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff6df4a0d8334abcbf81e9cf277fdad2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d015f5708256474bb2622a1ccd3390f7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd847f0d9a4b4e50aab9d1a2de1dfd9f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ff4c4d18857483fbdcff4b84888729e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/22edc54e8ad6401eaa21905b41fb4b23.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4784f56e2b234849ac31a5afbb386b23.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7fa9c978bd6e4a4aabb07fd254474bae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e8f705314ee949449ff0d40de9cab203.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0cc57a2eafd24b5c82b131439a1724a6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/299212e2f7c244eb87432176ae6d0ab4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48fc22f06bb74347aebc5e9764f86a0c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/df974419b6934377bc1920d4f164e6f6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5461c63f654b42048438e07c7c560411.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a949d8f4227a4c75b53c7b9b94a912d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f907673fd00e4d96acf997bda418a867.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1da6c2c712844fe8b79cd75c26124de9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48246151c4454303add240d921b1fd1a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6f1866d9e2a44590b383bc946b8108ec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d3b901e3e8e34a7e8e67d864fc035469.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/62d9cd98096240c29750fbc23125faa0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2da257f09774bd292f1130074ca0e9c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/49598137abf64a099e1249673b1b9423.jpg"], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "LX, LXS", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFT4DE3TE376511.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-059eacc3ac184abdfb3c758d5deeb00a.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-059eacc3ac184abdfb3c758d5deeb00a.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE3TE376511.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE3TE376511.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE3TE376511.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-059eacc3ac184abdfb3c758d5deeb00a.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260636, VIN 3KPFT4DE3TE376511. Advertised price: $24,242. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,242"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24242.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE3TE376511_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 593, "unit": "per_month", "display": "$593/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24242.0, "price_incl_doc": 24242.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.05, "amount_financed": 25757.13, "sales_tax": 1515.13, "total_of_payments": 28466.49, "finance_charge": 2709.36, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260636, VIN 3KPFT4DE3TE376511. $593 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $24,242, before any dealer documentation fee. Amount financed $25,757, including $1,515 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,466. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE3TE376511_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 492, "unit": "per_month", "display": "$492/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24242.0, "price_incl_doc": 24242.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 491.87, "amount_financed": 25757.13, "sales_tax": 1515.13, "total_of_payments": 29512.33, "finance_charge": 3755.2, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260636, VIN 3KPFT4DE3TE376511. $492 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,242, before any dealer documentation fee. Amount financed $25,757, including $1,515 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,512. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE3TE376511_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 427, "unit": "per_month", "display": "$427/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24242.0, "price_incl_doc": 24242.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 426.75, "amount_financed": 25757.13, "sales_tax": 1515.13, "total_of_payments": 30725.89, "finance_charge": 4968.76, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260636, VIN 3KPFT4DE3TE376511. $427 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,242, before any dealer documentation fee. Amount financed $25,757, including $1,515 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,726. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 77}}, {"vin": "3KPFT4DE6TE378396", "title": "2026 Kia K4 LXS", "year": 2026, "make": "Kia", "model": "K4", "trim": "LXS", "decoded_trim": "LX, LXS", "condition": "used", "price": 23866.0, "msrp": null, "sale_price": 23866.0, "currency": "USD", "mileage": 17000, "exterior_color": "Interstellar Gr", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260650", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/22e987eb138f436fad4c6e86d80e6894.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/22e987eb138f436fad4c6e86d80e6894.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5d0d451f5d7b467ca7f9f257d4703320.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/81556c15371f4bbcaa10ad4d3dedead6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f381f9318b214af09ea9f26199d2473d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d8de5b9e19fa4e88bb3f189816e672c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f24ba63412f44743a2aa7adaca5a07c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6f6a85219a1a4016b9fe917533abcee1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/52ae4e0be6734e48982b230bd67fe3a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed8200bf03054db491d8d88277ae9a31.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b11acbcd4d7d43b98a0183a9dbf43b93.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ca67ef1df3c54622a766500d8e9ed863.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5bfd2c643132469abade156853268c67.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4318d048d7a94c0f8a423fc0a65a4d6c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8e1336c8187c4666ae21982ea2d4c6fc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d03c99e686b4f57847c5f4a9e3d4c0c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/344db1e1ff2f47968285a58fd8dcd872.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b2617daf8cc24add918b29b99738ddd7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f1780a88b3ca48a0aaf47cbc67e45c30.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/421f4e801a4541ec98050bfa8f9d1e55.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c2401017a7a942969bedeb92c4134f97.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/15dadb83e4be4a33a15948b7148d2667.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3a46f2f884fb49afbb84cdf5cfcea09e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8e37f40261ba4bb58d25ca4abfc99df0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6789e35e10354952ba1bd58844723428.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/84293956637b4ca6afc541462af6dc2b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d86110914e548a3b0b9fc3cab07b23a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1551c48256634737bfe2f05d50c9c193.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ab8a5527a89a4d409c0a7fb29c868d2b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fe20575d47b24cb094affb3cffc0792d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c9ce7da9b6445719b6a49646a709e85.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b3e8eb7efb02446aa6f614e63651e193.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18f676b2960e4cd7a4e909b4644815bb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e9dd6db5f1554811a6d562f84c69fec7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5adf03908abe4d97bbc807f90dc85933.jpg"], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "LX, LXS", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFT4DE6TE378396.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-391f134bac185cc92880da072a8f69e9.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-391f134bac185cc92880da072a8f69e9.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE6TE378396.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE6TE378396.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE6TE378396.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-391f134bac185cc92880da072a8f69e9.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260650, VIN 3KPFT4DE6TE378396. Advertised price: $23,866. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,866"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE6TE378396_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.85, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 28024.97, "finance_charge": 2667.34, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260650, VIN 3KPFT4DE6TE378396. $584 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,025. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE6TE378396_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260650, VIN 3KPFT4DE6TE378396. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE6TE378396_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.13, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 30249.32, "finance_charge": 4891.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260650, VIN 3KPFT4DE6TE378396. $420 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,249. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,866"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260638, VIN 3KPFT4DE5TE377417. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26148.0, "price_incl_doc": 26148.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 639.68, "amount_financed": 27782.25, "sales_tax": 1634.25, "total_of_payments": 30704.63, "finance_charge": 2922.38, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260660, VIN 3KPFX5DE3TE385221. $640 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $26,148, before any dealer documentation fee. Amount financed $27,782, including $1,634 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $30,705. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFX5DE3TE385221_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 531, "unit": "per_month", "display": "$531/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26148.0, "price_incl_doc": 26148.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 530.55, "amount_financed": 27782.25, "sales_tax": 1634.25, "total_of_payments": 31832.7, "finance_charge": 4050.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260660, VIN 3KPFX5DE3TE385221. $531 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,148, before any dealer documentation fee. Amount financed $27,782, including $1,634 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,833. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFX5DE3TE385221_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 460, "unit": "per_month", "display": "$460/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26148.0, "price_incl_doc": 26148.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 460.3, "amount_financed": 27782.25, "sales_tax": 1634.25, "total_of_payments": 33141.67, "finance_charge": 5359.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260660, VIN 3KPFX5DE3TE385221. $460 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,148, before any dealer documentation fee. Amount financed $27,782, including $1,634 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,142. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,248"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29248.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFU5DE8TE348738_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 716, "unit": "per_month", "display": "$716/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29248.0, "price_incl_doc": 29248.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 715.52, "amount_financed": 31076.0, "sales_tax": 1828.0, "total_of_payments": 34344.84, "finance_charge": 3268.84, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260566, VIN 3KPFU5DE8TE348738. $716 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $29,248, before any dealer documentation fee. Amount financed $31,076, including $1,828 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,345. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29248.0, "price_incl_doc": 29248.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.44, "amount_financed": 31076.0, "sales_tax": 1828.0, "total_of_payments": 35606.66, "finance_charge": 4530.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260566, VIN 3KPFU5DE8TE348738. $593 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,248, before any dealer documentation fee. Amount financed $31,076, including $1,828 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,607. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29248.0, "price_incl_doc": 29248.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 514.87, "amount_financed": 31076.0, "sales_tax": 1828.0, "total_of_payments": 37070.81, "finance_charge": 5994.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260566, VIN 3KPFU5DE8TE348738. $515 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,248, before any dealer documentation fee. Amount financed $31,076, including $1,828 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,071. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 100}}, {"vin": "3KPFU4DE3TE298907", "title": "2026 Kia K4 EX", "year": 2026, "make": "Kia", "model": "K4", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 24913.0, "msrp": null, "sale_price": 24913.0, "currency": "USD", "mileage": 17000, "exterior_color": "Interstellar Gray", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260431", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/d870af25e73d4ac1b16f6f68842edf13.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/d870af25e73d4ac1b16f6f68842edf13.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa46a0e434234472852c64fe1561dae8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4bd64ab61dde4fb09811d183725296e6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/146f5e81f8c04b36964bdc4ee6322a1c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3e791c6fa55a4d1181c1c9d08f1aeac4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e8bcd6b246d444b4a19d7c266a7948fe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/32f7f7fe250745e7921b5fbcf3d3e06e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dd9ce10404944ed4a6c781765f62352a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/17ef61efd52d4b599bb5192f860d7fd8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ba84b9a1efe450692ef2cb9c3e6fc1c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a94c9d56d53c4c9f872190cfd26af871.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/92a8e0cff0114bf3a796bbb324b80f14.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e21510928a384b0f9c7286a17994c897.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3a32490e444a4bb89c0b50f23c16f90c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aa5d7903f00f414d96b0c0efc1301bdd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f962eccf955c4467950069951fdde8c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c8703fe2093847a7b2ef4af8b0b8d921.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/14dc6e58d830491ba8b2334138ca6243.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/77c07255ad68429fbf4fadc7c600c52a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d66b42b157724653b075d6402a3c4772.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9fa7b0d4d0044522a16bb649fd2b8e73.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41feceea65a04d1396cb7d84eb4dcc31.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6e34b3add3c34ae4bf50f94051d5f831.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba9d297cc6fc4b56a5587a833a572c19.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/504000a5a29e4a4195578bfb64aeb7e2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/80445c0d80e6427d9f06353d770b3d62.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad488253443e4cb6ad1f9ffb23a5d9d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7d225682e1224ef2ba1079f44f4db2a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/09582863ef844e47bd3516b6d289d5e2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a8c67777d54a4239b45d8428c0442ad6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/231934d2be79474dab1506658252dc0c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/78b980b22d074f1eb061b8b03f4dedec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0170d9d3e3fc466f94f106b7f874b8c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/951e4ca7a240416f8de598e3f3b411ed.jpg"], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "EX", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFU4DE3TE298907.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2d7165ac184c5d1b9eb0c5519ffac4.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2d7165ac184c5d1b9eb0c5519ffac4.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFU4DE3TE298907.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFU4DE3TE298907.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFU4DE3TE298907.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2d7165ac184c5d1b9eb0c5519ffac4.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260431, VIN 3KPFU4DE3TE298907. Advertised price: $24,913. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,913"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24913.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFU4DE3TE298907_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.47, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 29254.41, "finance_charge": 2784.35, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260431, VIN 3KPFU4DE3TE298907. $609 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $29,254. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFU4DE3TE298907_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 505, "unit": "per_month", "display": "$505/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 505.49, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 30329.2, "finance_charge": 3859.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260431, VIN 3KPFU4DE3TE298907. $505 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,329. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFU4DE3TE298907_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 439, "unit": "per_month", "display": "$439/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 438.56, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 31576.35, "finance_charge": 5106.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260431, VIN 3KPFU4DE3TE298907. $439 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,576. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-1513dd08ac182d12aed28c6672243b1d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFU4DE6TE379822.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFU4DE6TE379822.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFU4DE6TE379822.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-1513dd08ac182d12aed28c6672243b1d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24913.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5K30T6632449_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1016, "unit": "per_month", "display": "$1,016/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1016.37, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 48785.93, "finance_charge": 4643.3, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260533, VIN KNDNC5K30T6632449. $1,016 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,786. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K30T6632449_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 843, "unit": "per_month", "display": "$843/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 842.97, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 50578.31, "finance_charge": 6435.68, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260533, VIN KNDNC5K30T6632449. $843 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,578. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K30T6632449_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.36, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 52658.1, "finance_charge": 8515.47, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260533, VIN KNDNC5K30T6632449. $731 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,658. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 143}}, {"vin": "KNDNE5KA9V6198365", "title": "2027 Kia Carnival Hybrid SX, SX Prestige", "year": 2027, "make": "Kia", "model": "Carnival Hybrid", "trim": "SX, SX Prestige", "decoded_trim": "SX, SX Prestige", "condition": "used", "price": 56408.0, "msrp": null, "sale_price": 56408.0, "currency": "USD", "mileage": 0, "exterior_color": "Snow White", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": null, "seating_capacity": null, "engine": "1.6L Electric Motor", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270131", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2027, "trim": "SX, SX Prestige", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNE5KA9V6198365.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Carnival-Hybrid-90e80ac9ac18013719a6da3454361914.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Carnival-Hybrid-90e80ac9ac18013719a6da3454361914.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNE5KA9V6198365.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNE5KA9V6198365.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNE5KA9V6198365.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Carnival-Hybrid-90e80ac9ac18013719a6da3454361914.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270131, VIN KNDNE5KA9V6198365. Advertised price: $56,408. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$56,408"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 56408.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNE5KA9V6198365_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1380, "unit": "per_month", "display": "$1,380/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56408.0, "price_incl_doc": 56408.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1379.95, "amount_financed": 59933.5, "sales_tax": 3525.5, "total_of_payments": 66237.83, "finance_charge": 6304.33, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270131, VIN KNDNE5KA9V6198365. $1,380 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $56,408, before any dealer documentation fee. Amount financed $59,934, including $3,526 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $66,238. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNE5KA9V6198365_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1145, "unit": "per_month", "display": "$1,145/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56408.0, "price_incl_doc": 56408.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1144.52, "amount_financed": 59933.5, "sales_tax": 3525.5, "total_of_payments": 68671.37, "finance_charge": 8737.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270131, VIN KNDNE5KA9V6198365. $1,145 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $56,408, before any dealer documentation fee. Amount financed $59,934, including $3,526 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $68,671. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNE5KA9V6198365_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 993, "unit": "per_month", "display": "$993/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56408.0, "price_incl_doc": 56408.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 992.99, "amount_financed": 59933.5, "sales_tax": 3525.5, "total_of_payments": 71495.16, "finance_charge": 11561.66, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270131, VIN KNDNE5KA9V6198365. $993 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $56,408, before any dealer documentation fee. Amount financed $59,934, including $3,526 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $71,495. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42149.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42149.0, "price_incl_doc": 42149.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1031.13, "amount_financed": 44783.31, "sales_tax": 2634.31, "total_of_payments": 49494.01, "finance_charge": 4710.7, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260569, VIN KNDNB5KA4T6182225. $1,031 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $42,149, before any dealer documentation fee. Amount financed $44,783, including $2,634 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $49,494. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 56408.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56408.0, "price_incl_doc": 56408.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1379.95, "amount_financed": 59933.5, "sales_tax": 3525.5, "total_of_payments": 66237.83, "finance_charge": 6304.33, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270133, VIN KNDNE5KA5V6198363. $1,380 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $56,408, before any dealer documentation fee. Amount financed $59,934, including $3,526 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $66,238. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNE5KA5V6198363_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1145, "unit": "per_month", "display": "$1,145/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56408.0, "price_incl_doc": 56408.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1144.52, "amount_financed": 59933.5, "sales_tax": 3525.5, "total_of_payments": 68671.37, "finance_charge": 8737.87, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270133, VIN KNDNE5KA5V6198363. $1,145 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $56,408, before any dealer documentation fee. Amount financed $59,934, including $3,526 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $68,671. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNE5KA5V6198363_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 993, "unit": "per_month", "display": "$993/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56408.0, "price_incl_doc": 56408.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 992.99, "amount_financed": 59933.5, "sales_tax": 3525.5, "total_of_payments": 71495.16, "finance_charge": 11561.66, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270133, VIN KNDNE5KA5V6198363. $993 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $56,408, before any dealer documentation fee. Amount financed $59,934, including $3,526 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $71,495. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,913"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24913.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFU4DE1TE382157_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.47, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 29254.41, "finance_charge": 2784.35, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260648, VIN 3KPFU4DE1TE382157. $609 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $29,254. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFU4DE1TE382157_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 505, "unit": "per_month", "display": "$505/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 505.49, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 30329.2, "finance_charge": 3859.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260648, VIN 3KPFU4DE1TE382157. $505 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,329. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 438.56, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 31576.35, "finance_charge": 5106.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260648, VIN 3KPFU4DE1TE382157. $439 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,576. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNE5KA3T6101044_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1216, "unit": "per_month", "display": "$1,216/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49698.0, "price_incl_doc": 49698.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1215.8, "amount_financed": 52804.13, "sales_tax": 3106.13, "total_of_payments": 58358.53, "finance_charge": 5554.4, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260057, VIN KNDNE5KA3T6101044. $1,216 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $49,698, before any dealer documentation fee. Amount financed $52,804, including $3,106 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $58,359. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNE5KA3T6101044_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1008, "unit": "per_month", "display": "$1,008/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49698.0, "price_incl_doc": 49698.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1008.38, "amount_financed": 52804.13, "sales_tax": 3106.13, "total_of_payments": 60502.59, "finance_charge": 7698.46, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260057, VIN KNDNE5KA3T6101044. $1,008 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $49,698, before any dealer documentation fee. Amount financed $52,804, including $3,106 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $60,503. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNE5KA3T6101044_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 875, "unit": "per_month", "display": "$875/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49698.0, "price_incl_doc": 49698.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 874.87, "amount_financed": 52804.13, "sales_tax": 3106.13, "total_of_payments": 62990.47, "finance_charge": 10186.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260057, VIN KNDNE5KA3T6101044. $875 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $49,698, before any dealer documentation fee. Amount financed $52,804, including $3,106 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $62,990. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 147}}, {"vin": "KNDNC5K36T6635212", "title": "2026 Kia Carnival EX", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 41075.0, "msrp": null, "sale_price": 41075.0, "currency": "USD", "mileage": 4000, "exterior_color": "Panthera Metal", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260554", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/b09ba7ae42114a84aca830b2be674995.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/b09ba7ae42114a84aca830b2be674995.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d0bc08869d0a454daf59559641f1caa4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/20ba9678ef2b4a3eb162aa0ccc0ab36e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a8e00002e5f141e393e34be816949098.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fdbbfd8d06a7468f8812c41a89e96981.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/86b1886e19fb490aa3a6a678c3c5ca55.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ee64c6375e614f5d93a1a3450280ecf8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/56a29a822e4b486886bc01e5c5246b48.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9411108b23784b35b8aab8069b82b906.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/52f37a52531448358a0e0d8d4303b9d7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3031482daedf402e910bb0ea36151e06.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c12ed9a7fd2e4879b615923a3f5ad0dc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/754da079471f42e8a814b2e1227a7c6d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/57a25bf2db4f4e82af7b69bfb749edea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5cae42da07a5474e948f20261916a8bf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/13dd679413ce4d3a8cc458ef7961bf94.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/766f479b44124c959f50a30a0692aefe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/56a460d85b6547e7ae0ae98221eac7d3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9901e75d619140a48e377318004a3e73.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4ff2a3bdd814215bf2924273a91690d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/765defe58619462eb7136ea44d661940.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e758aa028d9f4b239922ea4f39cf06c7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3927a55cdb194da8a4962d407a15f151.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/370754212c9342eaa2ce69f06083119f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/21edb38e02804020baf7b88168f25aca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/07d688605e884bdbb9393650fe3066c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/76f68da2525940f78b24e97ebc04fda6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/75a0b324bf6e473c8777a754b55631cc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d7c56241af9243189d530a8af4189c4e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/35dea6ad22d5456184e23fc0ffad41fc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e5fd12b44f634fe08524bcd210ce881c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/96a779f4a78c41798daa4d80a37997af.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a59958894e9f407b89ede454941d7b94.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d92b0f483b784eb1bc98f78b40e7e59b.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "EX", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNC5K36T6635212.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d4eaeac180a17026d32f32cda1488.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d4eaeac180a17026d32f32cda1488.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNC5K36T6635212.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNC5K36T6635212.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNC5K36T6635212.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d4eaeac180a17026d32f32cda1488.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260554, VIN KNDNC5K36T6635212. Advertised price: $41,075. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,075"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41075.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5K36T6635212_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1005, "unit": "per_month", "display": "$1,005/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41075.0, "price_incl_doc": 41075.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1004.85, "amount_financed": 43642.19, "sales_tax": 2567.19, "total_of_payments": 48232.85, "finance_charge": 4590.66, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260554, VIN KNDNC5K36T6635212. $1,005 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,075, before any dealer documentation fee. Amount financed $43,642, including $2,567 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,233. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K36T6635212_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 833, "unit": "per_month", "display": "$833/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41075.0, "price_incl_doc": 41075.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 833.42, "amount_financed": 43642.19, "sales_tax": 2567.19, "total_of_payments": 50004.91, "finance_charge": 6362.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260554, VIN KNDNC5K36T6635212. $833 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,075, before any dealer documentation fee. Amount financed $43,642, including $2,567 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,005. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K36T6635212_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 723, "unit": "per_month", "display": "$723/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41075.0, "price_incl_doc": 41075.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 723.07, "amount_financed": 43642.19, "sales_tax": 2567.19, "total_of_payments": 52061.12, "finance_charge": 8418.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260554, VIN KNDNC5K36T6635212. $723 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,075, before any dealer documentation fee. Amount financed $43,642, including $2,567 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,061. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46508.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5KA8V6188819_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1138, "unit": "per_month", "display": "$1,138/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46508.0, "price_incl_doc": 46508.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1137.76, "amount_financed": 49414.75, "sales_tax": 2906.75, "total_of_payments": 54612.62, "finance_charge": 5197.87, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270130, VIN KNDNC5KA8V6188819. $1,138 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $46,508, before any dealer documentation fee. Amount financed $49,415, including $2,907 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $54,613. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5KA8V6188819_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 944, "unit": "per_month", "display": "$944/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46508.0, "price_incl_doc": 46508.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 943.65, "amount_financed": 49414.75, "sales_tax": 2906.75, "total_of_payments": 56619.07, "finance_charge": 7204.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270130, VIN KNDNC5KA8V6188819. $944 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,508, before any dealer documentation fee. Amount financed $49,415, including $2,907 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,619. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5KA8V6188819_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 819, "unit": "per_month", "display": "$819/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46508.0, "price_incl_doc": 46508.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 818.71, "amount_financed": 49414.75, "sales_tax": 2906.75, "total_of_payments": 58947.25, "finance_charge": 9532.5, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270130, VIN KNDNC5KA8V6188819. $819 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,508, before any dealer documentation fee. Amount financed $49,415, including $2,907 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,947. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39452.0, "price_incl_doc": 39452.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 965.15, "amount_financed": 41917.75, "sales_tax": 2465.75, "total_of_payments": 46327.02, "finance_charge": 4409.27, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260572, VIN KNDNB5K31T6648033. $965 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $39,452, before any dealer documentation fee. Amount financed $41,918, including $2,466 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $46,327. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNB5K31T6648033_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 800, "unit": "per_month", "display": "$800/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39452.0, "price_incl_doc": 39452.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 800.48, "amount_financed": 41917.75, "sales_tax": 2465.75, "total_of_payments": 48029.06, "finance_charge": 6111.31, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260572, VIN KNDNB5K31T6648033. $800 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,452, before any dealer documentation fee. Amount financed $41,918, including $2,466 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,029. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNB5K31T6648033_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 694, "unit": "per_month", "display": "$694/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39452.0, "price_incl_doc": 39452.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.5, "amount_financed": 41917.75, "sales_tax": 2465.75, "total_of_payments": 50004.02, "finance_charge": 8086.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260572, VIN KNDNB5K31T6648033. $694 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,452, before any dealer documentation fee. Amount financed $41,918, including $2,466 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,004. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 113}}, {"vin": "KNDNB5K32T6608706", "title": "2026 Kia Carnival LXS", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "LXS", "decoded_trim": "LX, LXS", "condition": "used", "price": 38904.0, "msrp": null, "sale_price": 38904.0, "currency": "USD", "mileage": 4000, "exterior_color": "Panthera Metal", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260269", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/eea512f380a446bf842cd06cd3bad138.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/eea512f380a446bf842cd06cd3bad138.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f06269092704460486db9e99a572bdbe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/171c090c528f4af7a8abb9ab1f4e9a36.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f5bf1cd5562f4f19b5189a46090d9ce1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5389997928b64a8a8750fcede667c813.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/98974dd72aa849bb9c60fcd09148583c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/08ad6d3caa374cc190e04913c1ab1c65.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0285ebc4d54c4901ae103220458214d4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4d8eb5dc8e3a48189ee09da8f8772f36.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/856725924ce8426db3b3ed1b97c23466.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b7c0b7453a8d4faab6db1ef0b455ba7b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b033b794d15341ccb5325a6a2f200392.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/09ab39c3bc6f4c0f85829fed7a5cfff2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/100741771fef46a9ac689452d4dcf3fa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/97ea6b128503416988e09ff2132f1f72.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0cacfccbf12b447fab5d31afd619b915.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/76636a10206b4fbfbca3e9c223ced7ef.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9ffb9e54d3d549f7b93c3d7e359522ae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6b4c7a5b601543c080c25db165482ad9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6f01d90fb87e413dbf2c57b49d531507.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e42d868d69904f02a49abadee999a69f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/24fec7548a70497fbde22a87f8559a8a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/221e997a44ba4672ba1c1b6c8f222a7d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a0206d81e8ea43509808f9ed8b869a36.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/057ea205957d46029d23b691affc0e27.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/145b32b83a504b74a00db73dd848fa03.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c0e96446e39047ef85d30a4f6d916abd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a48f387cad4a459ab7c55663ae2a23f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18bba6f0403d480297221949415dd29c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3d9c3dd912514a5485a1f1585cbccc24.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1cbf6e58b5584ef0affc5529bb48234e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/583aa8560b5647e9b28cedd5bd87f9d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/25d9b7c091f34bf0919fd9281269188d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/68727861188c4fb5b7c70a2ec309feda.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "LX, LXS", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNB5K32T6608706.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2efafeac184c5d1b9eb0c5727c3d92.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2efafeac184c5d1b9eb0c5727c3d92.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNB5K32T6608706.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNB5K32T6608706.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNB5K32T6608706.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2efafeac184c5d1b9eb0c5727c3d92.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260269, VIN KNDNB5K32T6608706. Advertised price: $38,904. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$38,904"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38904.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNB5K32T6608706_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 952, "unit": "per_month", "display": "$952/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38904.0, "price_incl_doc": 38904.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 951.74, "amount_financed": 41335.5, "sales_tax": 2431.5, "total_of_payments": 45683.53, "finance_charge": 4348.03, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260269, VIN KNDNB5K32T6608706. $952 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $38,904, before any dealer documentation fee. Amount financed $41,336, including $2,432 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $45,684. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNB5K32T6608706_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 789, "unit": "per_month", "display": "$789/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38904.0, "price_incl_doc": 38904.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 789.37, "amount_financed": 41335.5, "sales_tax": 2431.5, "total_of_payments": 47361.92, "finance_charge": 6026.42, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260269, VIN KNDNB5K32T6608706. $789 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,904, before any dealer documentation fee. Amount financed $41,336, including $2,432 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,362. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38904.0, "price_incl_doc": 38904.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 684.85, "amount_financed": 41335.5, "sales_tax": 2431.5, "total_of_payments": 49309.45, "finance_charge": 7973.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260269, VIN KNDNB5K32T6608706. $685 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,904, before any dealer documentation fee. Amount financed $41,336, including $2,432 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,309. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 54408.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 54408.0, "price_incl_doc": 54408.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1331.03, "amount_financed": 57808.5, "sales_tax": 3400.5, "total_of_payments": 63889.3, "finance_charge": 6080.8, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270132, VIN KNDNE5K35V6656436. $1,331 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $54,408, before any dealer documentation fee. Amount financed $57,808, including $3,400 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $63,889. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 54408.0, "price_incl_doc": 54408.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1103.94, "amount_financed": 57808.5, "sales_tax": 3400.5, "total_of_payments": 66236.56, "finance_charge": 8428.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270132, VIN KNDNE5K35V6656436. $1,104 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $54,408, before any dealer documentation fee. Amount financed $57,808, including $3,400 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $66,237. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 54408.0, "price_incl_doc": 54408.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 957.78, "amount_financed": 57808.5, "sales_tax": 3400.5, "total_of_payments": 68960.23, "finance_charge": 11151.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270132, VIN KNDNE5K35V6656436. $958 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $54,408, before any dealer documentation fee. Amount financed $57,808, including $3,400 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $68,960. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1016.37, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 48785.93, "finance_charge": 4643.3, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260526, VIN KNDNC5K3XT6632443. $1,016 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,786. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K3XT6632443_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 843, "unit": "per_month", "display": "$843/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 842.97, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 50578.31, "finance_charge": 6435.68, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260526, VIN KNDNC5K3XT6632443. $843 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,578. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K3XT6632443_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.36, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 52658.1, "finance_charge": 8515.47, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260526, VIN KNDNC5K3XT6632443. $731 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,658. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 116}}, {"vin": "KNDNB5K35T6640419", "title": "2026 Kia Carnival LXS", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "LXS", "decoded_trim": "LX, LXS", "condition": "used", "price": 38981.0, "msrp": null, "sale_price": 38981.0, "currency": "USD", "mileage": 4000, "exterior_color": "Deep Chroma Blue", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260532", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/e44198b1e3714fcd9ba5db700cdd241b.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/e44198b1e3714fcd9ba5db700cdd241b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f515e1efb294be7bb8888f5e8e2c102.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0267914f99ff403eabd2c68eb12cf09b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b6a6d51ec1d648428e1387b0ee9222fe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/06d4c53eb33449a5a59c9a6930ed6519.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9182659ba26d452cbd1377a8f07f013d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/53661fde94214c859c991e0f3dbce11c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/06ee3a97871645d0aa93021ba816bbc4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c5129799bc9149d785b14214ebcba19e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eff25495c1744369962c9b4bab777299.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/543d8225d5b848dbbd0b849d51638a2d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bde499262c664a4da3f97e7d006ac0c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d7833506c8874ac696ab757dd50f1f80.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b2b7f5b691054022a173b225e7d03679.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a2553ddad08d4f50b329a8e1d8eb35f3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28e0b067f068489ea761e33a2cd0cd55.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c637fc8051c44a939c26a9ca23c17211.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e9cf4ad49dc84c3f86462bc1e31855d7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c8684f1617224b3ca52a34fc07f8052a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28c4791127be43179c8cf7d4fad8145d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e25eef8c3f5b45358c508776cbedcf3b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/beae87471b394e2ea9298fc250bc290b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ee275444ede46c5850ac60ba6f598f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4e25cff6ad34784bffc23049afab8a8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/63b18af877d94e54bf34af31edc5b0be.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9a0b6c796fc548cb9fa3b095e18dc242.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b72be81efefc4adba457bb9bb9283137.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e503fae4cdad4dcfb20634653c2ea1f1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9c07c55f26a44bb2bdc28cce79aaf7a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3b91c1387f7f42bf8b3bc5eabbea1179.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1a77a12ed23b4341a1b951e4175949c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41b1e2ed9ff3491cba82f8f8c4f87ae7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/acfdc46a08d8469f84642ff0dc4f8d2e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/15de8199f5af417a92e171c0e08330a5.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "LX, LXS", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNB5K35T6640419.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d86beac180a17026d32f370a0b6b2.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d86beac180a17026d32f370a0b6b2.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNB5K35T6640419.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNB5K35T6640419.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNB5K35T6640419.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d86beac180a17026d32f370a0b6b2.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260532, VIN KNDNB5K35T6640419. Advertised price: $38,981. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$38,981"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38981.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNB5K35T6640419_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 954, "unit": "per_month", "display": "$954/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38981.0, "price_incl_doc": 38981.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 953.62, "amount_financed": 41417.31, "sales_tax": 2436.31, "total_of_payments": 45773.94, "finance_charge": 4356.63, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260532, VIN KNDNB5K35T6640419. $954 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $38,981, before any dealer documentation fee. Amount financed $41,417, including $2,436 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $45,774. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNB5K35T6640419_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 791, "unit": "per_month", "display": "$791/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38981.0, "price_incl_doc": 38981.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 790.93, "amount_financed": 41417.31, "sales_tax": 2436.31, "total_of_payments": 47455.66, "finance_charge": 6038.35, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260532, VIN KNDNB5K35T6640419. $791 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,981, before any dealer documentation fee. Amount financed $41,417, including $2,436 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,456. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNB5K35T6640419_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 686, "unit": "per_month", "display": "$686/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38981.0, "price_incl_doc": 38981.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 686.21, "amount_financed": 41417.31, "sales_tax": 2436.31, "total_of_payments": 49407.04, "finance_charge": 7989.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260532, VIN KNDNB5K35T6640419. $686 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,981, before any dealer documentation fee. Amount financed $41,417, including $2,436 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,407. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 124}}, {"vin": "KNDNB5K36T6649923", "title": "2026 Kia Carnival LXS", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "LXS", "decoded_trim": "LX, LXS", "condition": "used", "price": 39452.0, "msrp": null, "sale_price": 39452.0, "currency": "USD", "mileage": 4000, "exterior_color": "Snow White Pearl", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260570", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/8a85328b67a441a496e37147ad5c1f54.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/8a85328b67a441a496e37147ad5c1f54.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/601acb65abda4759baad07881f6616fc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b3e07ff8dc694b91b15ba18b7c23b28c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/76f6c77ac0a64ca3bead9b317c8d0ec0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bc0cb67427e845349eb0e67002774a68.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ae9fbd90f726478fa9f5d16b0697ed42.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ce884be6f24e44118980fd5056b91a13.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7fc647c208a84f9ba76a7868c77095fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a3a63bb7f5ac4914ae641dff169cb3e2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a87cb06a7b4b46a4b220859cb9c1402c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eb3619fc4c51487ea6a559368578b6d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6ff49bed7b964d25ace894901be04826.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2d949203d1fd434a8ca3b744754db8cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e6065ab50ffb46bc96c3a7cfae87afa7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b5fb67acafad42e991c8c68ff488f47c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f009446b86614542a396f2fcad3a70cf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/37b33b85fbd84381a9a317fb52371800.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2b10d4e4e4164b8da74bd0af49338c6c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/79541995781e4c758ed357fe2c2f2862.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/11471608255341efb20ac12d9e2a2507.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/abdd4992fcac42f99433b38364fb9db1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f14a314619fe4fc6bc73ceafcae4cbd9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1caabb4beca54800891231886c49ddcb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dcd444871f6c4c8eb4e46c87777de8ee.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/73bf15986bd44775a63524a733c0e7b6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b047342541514adfb8fc47e7fc5baef9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4714bc4b6c5343e287955d9620ce17c7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/37049e9be2ca4bd4b7671f9450ff0b51.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/743f00c42d574c898f8f8fe2913112c5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4e6329a56b2f41019cf1fc9deec328b8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/59050c09a5ba43188602b97a5e086be9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/52198cdfd56d49d9a9d6425062e4b3ca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b088646fd91f4311a0a30d7c5e4597df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d158dd4184a5494fb893d215093d2a98.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "LX, LXS", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNB5K36T6649923.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2e3d05ac181734323613c624a3991b.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2e3d05ac181734323613c624a3991b.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNB5K36T6649923.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNB5K36T6649923.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNB5K36T6649923.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2e3d05ac181734323613c624a3991b.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260570, VIN KNDNB5K36T6649923. Advertised price: $39,452. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,452"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39452.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNB5K36T6649923_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 965, "unit": "per_month", "display": "$965/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39452.0, "price_incl_doc": 39452.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 965.15, "amount_financed": 41917.75, "sales_tax": 2465.75, "total_of_payments": 46327.02, "finance_charge": 4409.27, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260570, VIN KNDNB5K36T6649923. $965 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $39,452, before any dealer documentation fee. Amount financed $41,918, including $2,466 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $46,327. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNB5K36T6649923_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 800, "unit": "per_month", "display": "$800/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39452.0, "price_incl_doc": 39452.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 800.48, "amount_financed": 41917.75, "sales_tax": 2465.75, "total_of_payments": 48029.06, "finance_charge": 6111.31, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260570, VIN KNDNB5K36T6649923. $800 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,452, before any dealer documentation fee. Amount financed $41,918, including $2,466 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,029. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNB5K36T6649923_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 694, "unit": "per_month", "display": "$694/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39452.0, "price_incl_doc": 39452.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.5, "amount_financed": 41917.75, "sales_tax": 2465.75, "total_of_payments": 50004.02, "finance_charge": 8086.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260570, VIN KNDNB5K36T6649923. $694 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,452, before any dealer documentation fee. Amount financed $41,918, including $2,466 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,004. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 116}}, {"vin": "KNDNC5K39T6639304", "title": "2026 Kia Carnival EX", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 41546.0, "msrp": null, "sale_price": 41546.0, "currency": "USD", "mileage": 4000, "exterior_color": "Aurora Black Pearl", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260552", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/e343b4f3d8f5464486508e43fcd106ad.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/e343b4f3d8f5464486508e43fcd106ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/86ecf79b54b645669bd3f8588f7c8cea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e79f9e38fce04a2fbda521523fb67612.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/611898eaca344226ad3b727f560b191d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8b7d839e25b14621ba6b4334827ca672.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eb8f6cdb353649ebabb88f8a452a603d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6cbb54000045402dbba430a1d3f4361b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e489dc80e62349a486a9603bdcab5a8e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9a148a4308b4aaeb9f32fc4df3d8995.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5312e50100d242bb870009711961145c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2e78f5827fad47e78256664ee1edf3f2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6ac33982471c462487368c457bdd4b57.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ae4609c4659843d5a32ce1851978da92.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b8621e151a6c46e7b6ff9e8b139cec12.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d5154c727aac4eda9086fb9af90cf949.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c33f106a9e26462aa08495f6fc28799f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2a07426068a54d6da7b29b74c9676635.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/46f99b10878141bbb122984b05a7aed1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/361478723fc24cb18c298fc41aa46835.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/864d77dabf544d3081648a0fcce1b9ed.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3e616b6b050648dc95499767866b0a7f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dab27d3ab6304c1795b0c131b03aa9bb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b4e7ac48ec354f83a271503f43aa234a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b8d1dd07cb8e420195d370fdf609d3b0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c90e7005f7684ddc970f86e4558d8f28.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f17973529e0d41e3ae1c38fbd66c59d3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d041d5e9891a4eb9b614779bf7561d9b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a700aef6f31e49769eb06be1a09df1b6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d902de7ded504ea8a27976bc741b84e6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/304ed82124f64dfa9a18ac9ac237f567.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7aa704c1e9784978b7ed587bec10d55b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba1a2ecfe8944576aa10b8280ade69ba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e07c722f06b949e69f0bf0c1f17b1e61.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/95a506b0d41144ddbd19f404aed32c4f.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "EX", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNC5K39T6639304.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2ee95eac180a17026d32f3e9671790.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2ee95eac180a17026d32f3e9671790.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNC5K39T6639304.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNC5K39T6639304.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNC5K39T6639304.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2ee95eac180a17026d32f3e9671790.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260552, VIN KNDNC5K39T6639304. Advertised price: $41,546. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,546"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5K39T6639304_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1016, "unit": "per_month", "display": "$1,016/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1016.37, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 48785.93, "finance_charge": 4643.3, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260552, VIN KNDNC5K39T6639304. $1,016 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,786. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K39T6639304_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 843, "unit": "per_month", "display": "$843/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 842.97, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 50578.31, "finance_charge": 6435.68, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260552, VIN KNDNC5K39T6639304. $843 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,578. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K39T6639304_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.36, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 52658.1, "finance_charge": 8515.47, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260552, VIN KNDNC5K39T6639304. $731 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,658. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 126}}, {"vin": "KNDNB5K37T6607938", "title": "2026 Kia Carnival LXS", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "LXS", "decoded_trim": "LX, LXS", "condition": "used", "price": 38538.0, "msrp": null, "sale_price": 38538.0, "currency": "USD", "mileage": 4000, "exterior_color": "Flare Red", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260255", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/32847fa6e84a44a09cde5cfb9b56fb1b.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/32847fa6e84a44a09cde5cfb9b56fb1b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/73df4a0f0ae540d2b9b8f57cf5be74a4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b18fda2d2ae74868971085c081a186eb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cadc1b78d19e4ff7b52a981462d03b72.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8ed6e5f461d2408ba678b1b2f03fa00b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/87f9374f49614c39b1d9c9534d380205.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1c084ea3c37d4c9db3e6cb8ab2d8553f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7cfc35dbb30f4778a655cc2ce755287f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ac97c9bc688242dfa1b3ae39bd40cfa6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1c017559c98e429ca89bcb2f5808e5e6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9339c9b3f97540cc805c0c304939cf2e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa31e0d9166347f4b0b24adb6d2cadcb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5daafe2e770c4fd6a2aee71cee90826d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1217cb4b7b4d4a89b8a3fe7e96c7a665.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e2ea9e2863bf4f62ac353413cb03900e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/29dc404576f747338d8b6993bb19391f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3726d6aed5c441cb883c747c88c98381.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/124d3548b2854b59b8933fd0dd65469b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2033b5be42c4de9be02ff81cc9ccfae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ebf26bfe10324b7da6fdb0e830e19daa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d1bc6ed9cb84452dad4e2c08039a8722.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dbf98e119359456f886514016261afda.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ceb4c789fdf741e6b5be03b86c0b7b34.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5dccfef2959f47659284850f9644ce97.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3506eb1951754432b213b90c364a68c7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eb5847342520450faefeb354b31dd6f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2d62091538d94a5dbd6ad52f459820d3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/43c7f76d58b649ef9ba2e54bcddaedd8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/045f2777f1d842ce99cb6f6cf7a16c3f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e45aab2010f0462d942e038e8e7ac5d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0faa66d69b764c2bb4c71a60427a546a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/91d8ddcd7abd4ad2b8f602bbc323afdd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/35c4e81ceb384d9194b8efaf8c8fcca4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba66cd6f5f94449fb35028d0ec1cccd6.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "LX, LXS", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNB5K37T6607938.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d0af4ac1855708c1e5eef6056e409.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d0af4ac1855708c1e5eef6056e409.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNB5K37T6607938.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNB5K37T6607938.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNB5K37T6607938.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d0af4ac1855708c1e5eef6056e409.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260255, VIN KNDNB5K37T6607938. Advertised price: $38,538. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$38,538"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38538.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNB5K37T6607938_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 943, "unit": "per_month", "display": "$943/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38538.0, "price_incl_doc": 38538.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 942.79, "amount_financed": 40946.63, "sales_tax": 2408.63, "total_of_payments": 45253.75, "finance_charge": 4307.12, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260255, VIN KNDNB5K37T6607938. $943 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $38,538, before any dealer documentation fee. Amount financed $40,947, including $2,409 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $45,254. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNB5K37T6607938_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38538.0, "price_incl_doc": 38538.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 781.94, "amount_financed": 40946.63, "sales_tax": 2408.63, "total_of_payments": 46916.35, "finance_charge": 5969.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260255, VIN KNDNB5K37T6607938. $782 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,538, before any dealer documentation fee. Amount financed $40,947, including $2,409 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,916. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNB5K37T6607938_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 678, "unit": "per_month", "display": "$678/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38538.0, "price_incl_doc": 38538.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 678.41, "amount_financed": 40946.63, "sales_tax": 2408.63, "total_of_payments": 48845.57, "finance_charge": 7898.94, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260255, VIN KNDNB5K37T6607938. $678 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,538, before any dealer documentation fee. Amount financed $40,947, including $2,409 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,846. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 111}}, {"vin": "KNDNC5K33T6649603", "title": "2026 Kia Carnival EX", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 41075.0, "msrp": null, "sale_price": 41075.0, "currency": "USD", "mileage": 4000, "exterior_color": "Deep Chroma Blue", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260564", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ab2032c20ca94bed80008c027f6c5685.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ab2032c20ca94bed80008c027f6c5685.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a0fa7387e7d444b0889f730dba9fb0ee.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b097da8131674bc9b0ae79c4423be79a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d5d3bf20ca724c359437cd5db0aa2f73.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6386555128794df39df3f58427007199.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7123f95851824ce6938b7a83d62a5176.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/24a5cf32938d4a39ae569b2eefa245dc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4008163d566e42d69bc54e2ff9fba700.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1cc35d53aa8a42f7a6f953e852389960.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b87024003272451f877f87f365349fb0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d13cfa0fe9b9450cadfd7cb8086010d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/645183b85e954cfd8eca7b967341da4d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6ed77b9010874f9d98e87c7c8cd59d20.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/abd3622b49564fe7b489797fde48586e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/16ee2a15b9a44cf285febf8fd3eb1e7d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/88eb39f81aff4d63851b77fe4c8a64cc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9c6b7294a0454b0d973da746e8e28e68.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c7e5ce06f91142b79e1f191ce5dabdd5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9fc2a81c08b416d8f9223ac50354cec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5b0507ba62804b6fa6f9cb3562829419.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fcd38bebcae44c53a95c79422844f045.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8a03e4504ce74c81866051feeb1057ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fcc2c735e4064f129495740489455f3d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/27c20c87a56644d8ac4820e23c5005e3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6a72a16b6d8c4b7daf17cc57cfcbd97d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fba2c550769e478cba09dfed2b4a4e5e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e3c0f62577ce4b9595e45d4df3c3a35f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f0dd9bba645d44cf9dc4763a3e9d870f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1b079b2b5b0344d6ac6a2a11f5b682e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0b02e092cc024439ad5c0247b08b2363.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5db2719179db4d1db9b036a07beb947e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd3183468c3240a19e8218506b6c5dbb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d56f0e0cd2864f14ac08efa1b40e8baf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1a24b90c35f5430d8a1072bb44c18da9.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "EX", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNC5K33T6649603.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d503bac181b0c5f24b7f1693341bc.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d503bac181b0c5f24b7f1693341bc.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNC5K33T6649603.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNC5K33T6649603.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNC5K33T6649603.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d503bac181b0c5f24b7f1693341bc.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260564, VIN KNDNC5K33T6649603. Advertised price: $41,075. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,075"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41075.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5K33T6649603_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1005, "unit": "per_month", "display": "$1,005/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41075.0, "price_incl_doc": 41075.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1004.85, "amount_financed": 43642.19, "sales_tax": 2567.19, "total_of_payments": 48232.85, "finance_charge": 4590.66, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260564, VIN KNDNC5K33T6649603. $1,005 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,075, before any dealer documentation fee. Amount financed $43,642, including $2,567 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,233. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K33T6649603_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 833, "unit": "per_month", "display": "$833/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41075.0, "price_incl_doc": 41075.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 833.42, "amount_financed": 43642.19, "sales_tax": 2567.19, "total_of_payments": 50004.91, "finance_charge": 6362.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260564, VIN KNDNC5K33T6649603. $833 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,075, before any dealer documentation fee. Amount financed $43,642, including $2,567 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,005. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K33T6649603_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 723, "unit": "per_month", "display": "$723/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41075.0, "price_incl_doc": 41075.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 723.07, "amount_financed": 43642.19, "sales_tax": 2567.19, "total_of_payments": 52061.12, "finance_charge": 8418.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260564, VIN KNDNC5K33T6649603. $723 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,075, before any dealer documentation fee. Amount financed $43,642, including $2,567 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,061. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 126}}, {"vin": "KNDNC5K34T6638822", "title": "2026 Kia Carnival EX", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 41546.0, "msrp": null, "sale_price": 41546.0, "currency": "USD", "mileage": 4000, "exterior_color": "Aurora Black Pearl", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260518", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/8808d93caa8d4441842ba93906519879.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/8808d93caa8d4441842ba93906519879.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/db13725f34e94b79bf9d4c0d179cbf61.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d804adf23a034702a10c0e0a26c5cae4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a517093e3df941318252af36555d285b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/af36814f875b4b47a5314c125c2b572c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a786c3b3c4db494f9bd219c7add9d500.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3fc4c2ea6eb9477587a5ac6a5860f20b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/53ea4ddbb03b4333b8d1aec7ae3c96fe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bdf839afb7864825b58e577bc18e6b1e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/84aa96a76d7542cc8b0119f53d618b24.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41359718e79d43199e4309b5e9aba1f6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6543d4dc24cb43b6868c13a702efa8b6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2b2d999071894729950b6b9ce184fca7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/910682239524429eb225dcb4a24c0c42.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fddbfe9f09054193bcf1526dcc51d333.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/31a76a1faee04c34bcc0dd79badd246c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9f96fc546b2445793336b2b44bfc72b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0ad5188c29f54b66b0a125567072a962.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fed25b9b2c604ab1bbf8baab45890b68.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/473fd522f8da442eb2689066090ed26f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4e773a0b523f414bb1945810305adc03.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a33ad58f33254b109cc05ed01f3b7eec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6db5858aca664edfa80010e7bb5edda5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4a6677696f0e4cc1909a8db0eeda89e1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b97e4ff014154d878c8d23cf1d25c9b8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8e6a2393f0e943fab56441fb9a7ef41c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8a1dcabec0f7477fab43e4a619e45f9e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b88516876d034d57a8ded6b015e080c5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7efcb94f455940aba9a39f9a8cf9f0b4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/74be24dc96394e638e7197841e565177.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/be5c2badf6cf4fd5b14eea11286166a8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/62e6a5ff5bfe4f6bb3ce65a74c540ee6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/491d2908d04541f69ded5166e34f698b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f1f78c32fb3d4a5ea2004ae803650087.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "EX", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNC5K34T6638822.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d63aaac181734323613c684c99344.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d63aaac181734323613c684c99344.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNC5K34T6638822.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNC5K34T6638822.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNC5K34T6638822.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d63aaac181734323613c684c99344.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260518, VIN KNDNC5K34T6638822. Advertised price: $41,546. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,546"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5K34T6638822_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1016, "unit": "per_month", "display": "$1,016/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1016.37, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 48785.93, "finance_charge": 4643.3, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260518, VIN KNDNC5K34T6638822. $1,016 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,786. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K34T6638822_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 843, "unit": "per_month", "display": "$843/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 842.97, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 50578.31, "finance_charge": 6435.68, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260518, VIN KNDNC5K34T6638822. $843 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,578. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K34T6638822_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.36, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 52658.1, "finance_charge": 8515.47, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260518, VIN KNDNC5K34T6638822. $731 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,658. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 125}}, {"vin": "KNDNC5K32T6634705", "title": "2026 Kia Carnival EX", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 41546.0, "msrp": null, "sale_price": 41546.0, "currency": "USD", "mileage": 4000, "exterior_color": "Aurora Black Pearl", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260524", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/599fc00e05b7461491e9c67d13af9129.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/599fc00e05b7461491e9c67d13af9129.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/945be5ff01174581a83619013ac8606f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/654b1dd924514181b910e99c277a8be9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7fa57f62e30448f3ad400e3e03eb2dc2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e898211671804d09815463f98950ef34.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/25428bb87ece4f38b00a78856d93df07.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/983006341bdc45828e9e68bdc276c6ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff8404be9f2c45b787871455965c4613.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e0189aab28284a978b3bd0875cf719a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4360a1dd5b8a4ef2aec94ba02dd9156e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/71a01e6f51604e2f925f6da5fc2e093f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aa32e7a0812d4b80ad3513fcb32fb1f4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc199b51e1104f10a56b044254e91710.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/001d466586424fb6a7a6480f7f50d716.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cd313af7352d4cd8b80a49c46de0ab7c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0e7109dfa30a45d78b1bcb87770c2afa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2cd15dc1bc0e45b19bc435c2be615d01.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/141e5e3761cb490ebf5d7c0a7a4bfe74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18287a08d0cf4176b19ef0572c319030.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b8a0b1690b7948f193891550fce70e75.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b6d2d3a082e1409292f3c70394348ea5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0e00f622b693481db3505b4c378bfff7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/93a86a41a00745ada641b7c51f9859aa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2b0323eb143a48f399296e9bd300c84a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5a52384a9fc34248a4d80df9048f9599.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fe8cfb17fd644bf08b83986a785d597f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/236789ac8fed4d498fa42e13f177d233.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c4adb4dd04354b1aaeb1fb9716268961.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/57eedbe177d6470d8841ff9943e304ae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9df920ce93b04ecfb7bc6f3e5b5a01b9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5c3fa43fef83430aa72a00b96f808a41.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6c9cbd9aaa2446298d69cf3beb3818a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f879d13d601b46d194f5dbdc60f7e897.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/635e6b5fbee04b16a08f1f0f90639146.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "EX", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNC5K32T6634705.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d1ef7ac1817e23fdc224a5f17e709.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d1ef7ac1817e23fdc224a5f17e709.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNC5K32T6634705.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNC5K32T6634705.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNC5K32T6634705.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2d1ef7ac1817e23fdc224a5f17e709.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260524, VIN KNDNC5K32T6634705. Advertised price: $41,546. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,546"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5K32T6634705_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1016, "unit": "per_month", "display": "$1,016/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1016.37, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 48785.93, "finance_charge": 4643.3, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260524, VIN KNDNC5K32T6634705. $1,016 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,786. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K32T6634705_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 843, "unit": "per_month", "display": "$843/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 842.97, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 50578.31, "finance_charge": 6435.68, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260524, VIN KNDNC5K32T6634705. $843 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,578. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K32T6634705_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.36, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 52658.1, "finance_charge": 8515.47, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260524, VIN KNDNC5K32T6634705. $731 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,658. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 114}}, {"vin": "KNDNC5K36T6640216", "title": "2026 Kia Carnival EX", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 41546.0, "msrp": null, "sale_price": 41546.0, "currency": "USD", "mileage": 4000, "exterior_color": "Snow White Pearl", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260534", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/c0ac92dbf6a147c8847affeec89280c8.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/c0ac92dbf6a147c8847affeec89280c8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b7ac79b233f74a31a0c89c4c4aada732.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5ca9f47ac30e44e0bffa4fba86fbb91c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/21d84ae9c5384508aea7a102a50eee17.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/712c6343d5fd458182fee0ae5f0b837a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aa1b0936e962435b951f5ba27cb63362.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2fc07c747ff14a6d92541766fcb4b881.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/15f1d5e526a1433780a9088fb6cc8788.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/69c79c94fb2b45d1a942c6711cac3914.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/59f5d85133b548a08eddd7418a5e639f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/23dc1c8c0e1248ceb73564cc4eeaaa9d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/af179bca265648d293d3130a21f47238.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/999facd6b47a4311bb8e15c3da66fd6a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/615fb6d9e0e14541ace067825df1399a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f8691b2d63349cd9e50f17985a10b1f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3af2cbeb1e0e4eb19e4d0a5b6ef5a9d2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2d75e1c3e35345ac8d73bc603dd15cc9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d69bf3e045634db7a6506b1e83a5bc43.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b54b4b32a8f649fc8f40a57766c54705.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/377c04aa6ab1401fb31ffa5559080eb9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e52ebcd3edad4f25b3605a68637090d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e170fa8431d3493a896fb325154dbbfd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a7540798355f489c91453fee2c0b80ff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1783bafe13ef47d999def1e22a455e87.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/50c2d81cccf1451a9987ec399b7e2f04.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba299d4c2fa0463ca81e9680b936231a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3234577793184dcb953334baf2052245.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9de154965de04efc986b3174331abace.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/795e60854de24de4b634ae88c975e25a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c3b93f08b2b40d0adae58f9d19b359e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bb4b1955345949dcb280cd8d60dcb512.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dceb9258fb04421280a5425326c61871.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a022ab856b224a178137909b273f4a5f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/50ca0ea08a4e464486e2409394ceb79c.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "EX", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNC5K36T6640216.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2ce46aac1828bf091d870147df8e10.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2ce46aac1828bf091d870147df8e10.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNC5K36T6640216.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNC5K36T6640216.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNC5K36T6640216.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2ce46aac1828bf091d870147df8e10.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260534, VIN KNDNC5K36T6640216. Advertised price: $41,546. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,546"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5K36T6640216_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1016, "unit": "per_month", "display": "$1,016/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1016.37, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 48785.93, "finance_charge": 4643.3, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260534, VIN KNDNC5K36T6640216. $1,016 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,786. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K36T6640216_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 843, "unit": "per_month", "display": "$843/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 842.97, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 50578.31, "finance_charge": 6435.68, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260534, VIN KNDNC5K36T6640216. $843 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,578. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K36T6640216_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41546.0, "price_incl_doc": 41546.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.36, "amount_financed": 44142.63, "sales_tax": 2596.63, "total_of_payments": 52658.1, "finance_charge": 8515.47, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260534, VIN KNDNC5K36T6640216. $731 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,546, before any dealer documentation fee. Amount financed $44,143, including $2,597 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,658. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 114}}, {"vin": "KNDNC5K31T6641371", "title": "2026 Kia Carnival EX", "year": 2026, "make": "Kia", "model": "Carnival", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 41660.0, "msrp": null, "sale_price": 41660.0, "currency": "USD", "mileage": 4000, "exterior_color": "Snow White Pearl", "interior_color": "Taupe/Off-Black", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.5L V6", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260553", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/5cb33d4fd4f04c088aa735c49936e0ba.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/5cb33d4fd4f04c088aa735c49936e0ba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f42dc4715bec4b04a883710981586685.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ffc5cb5c07414a46b2835f004feb032d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b4655a3b036347979cfffb37f2179529.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5354dcfd71f14b92826b9c0a9168738a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3d0b0560740b44aa8340b14b8bf91e95.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6cb3cbbd38f2491f8e25dc7eea023051.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2d6dd13701064322935a5c6b7ec002fc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0bc83f0ab6ab4287a6f9f61e08397a05.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4d1eef52575443f8aa2cb4b6b7a9948b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/479c68df076f40a6822d16e92b68d57f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f5864eab6ccd4432aae6378472dbea9f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8f09bc21de2347ee949e3d7bed181f0f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/295672dec88c4befbc8c2651e961d37d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1aa4dfdd6f11418ab853ebfc3bb6431a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c0932980e1cf49a6964be91fabc7cade.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0744416cb3df4114952c096932eb1371.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3401a63d7cdc4b4bbd5dbc9c8f47c70e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b457ad27d6f94199b5b0e28c1759832d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5500a07d0acc4f1a9c888d56eda6b7eb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4cfa29cb99a04a75b31d1aeb26080ea3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/29d45cf318c34673a945250722b9683b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1a90175848d6410c955109701f9ebbdb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/597e6c5b321e4183b50f60f94e627f94.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/11510cfb08ea488cab0aab894e0e3da0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66971f25c66548569a0b10d0e875f12f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28dccd815ff14eb8a7604f0839d28756.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/94d46c42508f4bfc95c797ba73a08875.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5971b4c8a059445f8d36aa4c6c56a0da.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1ec4f22b3aac4c2b94fd9edddb0e8f35.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/468de6eb8b084ce097c461552deb3f8c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/26d20f9b56c744d3910246f3f7a3524b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9d21f3ae1a04ef7b29c8038fc56129d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/141dafcc0338466580c8820d8ff549ef.jpg"], "vin_decode": {"make": "Kia", "model": "Carnival", "year": 2026, "trim": "EX", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L", "engine_displacement_l": 3.5, "cylinders": null, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDNC5K31T6641371.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2f8d46ac180a40e70722737f375f15.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2f8d46ac180a40e70722737f375f15.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDNC5K31T6641371.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDNC5K31T6641371.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDNC5K31T6641371.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Carnival-be2f8d46ac180a40e70722737f375f15.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260553, VIN KNDNC5K31T6641371. Advertised price: $41,660. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,660"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41660.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5K31T6641371_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1019, "unit": "per_month", "display": "$1,019/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41660.0, "price_incl_doc": 41660.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1019.16, "amount_financed": 44263.75, "sales_tax": 2603.75, "total_of_payments": 48919.79, "finance_charge": 4656.04, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260553, VIN KNDNC5K31T6641371. $1,019 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,660, before any dealer documentation fee. Amount financed $44,264, including $2,604 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,920. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K31T6641371_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 845, "unit": "per_month", "display": "$845/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41660.0, "price_incl_doc": 41660.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 845.28, "amount_financed": 44263.75, "sales_tax": 2603.75, "total_of_payments": 50717.09, "finance_charge": 6453.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260553, VIN KNDNC5K31T6641371. $845 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,660, before any dealer documentation fee. Amount financed $44,264, including $2,604 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,717. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K31T6641371_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 733, "unit": "per_month", "display": "$733/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41660.0, "price_incl_doc": 41660.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 733.37, "amount_financed": 44263.75, "sales_tax": 2603.75, "total_of_payments": 52802.59, "finance_charge": 8538.84, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260553, VIN KNDNC5K31T6641371. $733 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,660, before any dealer documentation fee. Amount financed $44,264, including $2,604 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,803. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,146"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41146.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5K35T6615159_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1007, "unit": "per_month", "display": "$1,007/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41146.0, "price_incl_doc": 41146.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1006.59, "amount_financed": 43717.63, "sales_tax": 2571.63, "total_of_payments": 48316.23, "finance_charge": 4598.6, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260358, VIN KNDNC5K35T6615159. $1,007 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,146, before any dealer documentation fee. Amount financed $43,718, including $2,572 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,316. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K35T6615159_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 835, "unit": "per_month", "display": "$835/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41146.0, "price_incl_doc": 41146.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 834.86, "amount_financed": 43717.63, "sales_tax": 2571.63, "total_of_payments": 50091.35, "finance_charge": 6373.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260358, VIN KNDNC5K35T6615159. $835 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,146, before any dealer documentation fee. Amount financed $43,718, including $2,572 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,091. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNC5K35T6615159_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 724, "unit": "per_month", "display": "$724/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41146.0, "price_incl_doc": 41146.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 724.32, "amount_financed": 43717.63, "sales_tax": 2571.63, "total_of_payments": 52151.11, "finance_charge": 8433.48, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260358, VIN KNDNC5K35T6615159. $724 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,146, before any dealer documentation fee. Amount financed $43,718, including $2,572 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,151. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27807.0, "price_incl_doc": 27807.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 489.51, "amount_financed": 29544.94, "sales_tax": 1737.94, "total_of_payments": 35244.4, "finance_charge": 5699.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260108, VIN KNDPU3DG5T7296348. $490 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,807, before any dealer documentation fee. Amount financed $29,545, including $1,738 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,244. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 23, "elapsed_ms": 97}}, {"vin": "1GT4UPE75TF160879", "title": "2026 GMC Sierra 2500HD AT4", "year": 2026, "make": "GMC", "model": "Sierra 2500HD", "trim": "AT4", "decoded_trim": "AT4", "condition": "used", "price": 69410.0, "msrp": null, "sale_price": 69410.0, "currency": "USD", "mileage": 0, "exterior_color": "Onyx Black", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "6.6L V-8", "engine_displacement_l": 6.6, "engine_cylinders": 8, "transmission": "10-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260370A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260370A, VIN 1GT4UPE75TF160879. Advertised price: $69,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$69,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 69410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GT4UPE75TF160879_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1698, "unit": "per_month", "display": "$1,698/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 69410.0, "price_incl_doc": 69410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1698.03, "amount_financed": 73748.13, "sales_tax": 4338.13, "total_of_payments": 81505.6, "finance_charge": 7757.47, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260370A, VIN 1GT4UPE75TF160879. $1,698 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $69,410, before any dealer documentation fee. Amount financed $73,748, including $4,338 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $81,506. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT4UPE75TF160879_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1408, "unit": "per_month", "display": "$1,408/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 69410.0, "price_incl_doc": 69410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1408.33, "amount_financed": 73748.13, "sales_tax": 4338.13, "total_of_payments": 84500.08, "finance_charge": 10751.95, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260370A, VIN 1GT4UPE75TF160879. $1,408 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $69,410, before any dealer documentation fee. Amount financed $73,748, including $4,338 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $84,500. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT4UPE75TF160879_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1222, "unit": "per_month", "display": "$1,222/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 69410.0, "price_incl_doc": 69410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1221.87, "amount_financed": 73748.13, "sales_tax": 4338.13, "total_of_payments": 87974.74, "finance_charge": 14226.61, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260370A, VIN 1GT4UPE75TF160879. $1,222 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $69,410, before any dealer documentation fee. Amount financed $73,748, including $4,338 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $87,975. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,010"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FTBR2C87NKA64687_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 710, "unit": "per_month", "display": "$710/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29010.0, "price_incl_doc": 29010.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.7, "amount_financed": 30823.13, "sales_tax": 1813.13, "total_of_payments": 34065.37, "finance_charge": 3242.24, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7871A, VIN 1FTBR2C87NKA64687. $710 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $29,010, before any dealer documentation fee. Amount financed $30,823, including $1,813 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,065. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FTBR2C87NKA64687_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29010.0, "price_incl_doc": 29010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.62, "amount_financed": 30823.13, "sales_tax": 1813.13, "total_of_payments": 35316.92, "finance_charge": 4493.79, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7871A, VIN 1FTBR2C87NKA64687. $589 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,010, before any dealer documentation fee. Amount financed $30,823, including $1,813 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,317. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29010.0, "price_incl_doc": 29010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 510.68, "amount_financed": 30823.13, "sales_tax": 1813.13, "total_of_payments": 36769.16, "finance_charge": 5946.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7871A, VIN 1FTBR2C87NKA64687. $511 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,010, before any dealer documentation fee. Amount financed $30,823, including $1,813 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,769. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$17,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FMCU9GD0KUB81073_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 426, "unit": "per_month", "display": "$426/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17410.0, "price_incl_doc": 17410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.92, "amount_financed": 18498.13, "sales_tax": 1088.13, "total_of_payments": 20443.92, "finance_charge": 1945.79, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7909, VIN 1FMCU9GD0KUB81073. $426 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $17,410, before any dealer documentation fee. Amount financed $18,498, including $1,088 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $20,444. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FMCU9GD0KUB81073_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 353, "unit": "per_month", "display": "$353/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17410.0, "price_incl_doc": 17410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 353.25, "amount_financed": 18498.13, "sales_tax": 1088.13, "total_of_payments": 21195.02, "finance_charge": 2696.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7909, VIN 1FMCU9GD0KUB81073. $353 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $17,410, before any dealer documentation fee. Amount financed $18,498, including $1,088 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $21,195. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FMCU9GD0KUB81073_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 306, "unit": "per_month", "display": "$306/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17410.0, "price_incl_doc": 17410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 306.48, "amount_financed": 18498.13, "sales_tax": 1088.13, "total_of_payments": 22066.57, "finance_charge": 3568.44, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7909, VIN 1FMCU9GD0KUB81073. $306 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $17,410, before any dealer documentation fee. Amount financed $18,498, including $1,088 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $22,067. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 111}}, {"vin": "LRBFZMR47PD100305", "title": "2023 Buick Envision Preferred", "year": 2023, "make": "Buick", "model": "Envision", "trim": "Preferred", "decoded_trim": "Preferred", "condition": "used", "price": 25710.0, "msrp": null, "sale_price": 25710.0, "currency": "USD", "mileage": 5200, "exterior_color": "Sapphire Metallic", "interior_color": "Ebony", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L Other", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "9-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260422A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 32, "primary_image": "https://content.homenetiol.com/2003378/2267014/0x0/56b75d324ca04860a068d11640c9c5fe.jpg", "images": ["https://content.homenetiol.com/2003378/2267014/0x0/56b75d324ca04860a068d11640c9c5fe.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/958f92c936c3438fab1572792d13f6a6.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/85a03a8517fd411fba06584e81e616e8.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/cf6ddf4241f24a42b0a36630f108bff9.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/4cb5dccf814e47339fb82f68b7c89486.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/5a7b03371c81405cb82a41f82c5b1ffc.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/5e77b646f690474ba66474753ded993c.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/511a95c8179e4f61bccb57364870ccfd.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/525fb6a47a9c4bcf94c442c41a0d7d7d.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/a3af640317da4f42a7bd0ad1afec1196.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/acdc0ef9be8d410ba964b5a3ffc24986.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/1e827b53bff2411aa4b8f1b8aba648ee.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/bef78fefdb38481eb4ddc601ec2e4f50.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/67adeae5e62d4d48849c8e96b53befe1.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/b08b907079c74f779b43707a8c8c4bd6.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/cb31a4fb2604468fac7c190ab09e9039.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/186075158a014386ae285358751c73e8.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/2bcf9f4d4af0487191be4558f83439ff.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/dd77af6776714f4c8a27f6fa4aa21215.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/bbe227f6ce904971a3965969cc13ac68.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/24e69e134844456db9ea2742fe7e5001.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/9dd930e890c44e06964437fdb0e866aa.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/452c91988634457d9f701bc331805b6e.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/a6d09bf3ff9e44d587998a93b35fe8d6.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/683bac5276584f7eb3e9417a30d98856.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/3fb75d8fd8014bb7a41012c6304a831f.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/87c39307246d4418a6e0e85fc5f90004.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/ac9f4507d5004bc58727688fc0e0088f.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/a297783d0d8541148d25632b9549af98.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/068b07154018408bacaa4b423d2e246a.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/57813d77997f4735960edbb2edad4eed.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/b41ea43a7049422e9cce6806e9cdbfeb.jpg"], "vin_decode": {"make": "Buick", "model": "Envision", "year": 2023, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder In-Line", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/LRBFZMR47PD100305.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Buick/2023-Buick-Envision-bda1e86fac18401abea45d0af38ef1f6.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Buick/2023-Buick-Envision-bda1e86fac18401abea45d0af38ef1f6.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/LRBFZMR47PD100305.html", "json_url": "https://ai.castlekiamchenry.com/v/LRBFZMR47PD100305.json", "markdown_url": "https://ai.castlekiamchenry.com/v/LRBFZMR47PD100305.md", "vdp_url": "https://www.castlekiamchenry.com/used/Buick/2023-Buick-Envision-bda1e86fac18401abea45d0af38ef1f6.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$25,710"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25710.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_LRBFZMR47PD100305_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 629, "unit": "per_month", "display": "$629/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25710.0, "price_incl_doc": 25710.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 628.96, "amount_financed": 27316.88, "sales_tax": 1606.88, "total_of_payments": 30190.31, "finance_charge": 2873.43, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260422A, VIN LRBFZMR47PD100305. $629 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $25,710, before any dealer documentation fee. Amount financed $27,317, including $1,607 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $30,190. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25710.0, "price_incl_doc": 25710.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 521.66, "amount_financed": 27316.88, "sales_tax": 1606.88, "total_of_payments": 31299.48, "finance_charge": 3982.6, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260422A, VIN LRBFZMR47PD100305. $522 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,710, before any dealer documentation fee. Amount financed $27,317, including $1,607 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,299. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43899.0, "price_incl_doc": 43899.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1073.94, "amount_financed": 46642.69, "sales_tax": 2743.69, "total_of_payments": 51548.97, "finance_charge": 4906.28, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260286, VIN 5XYRKDJF4TG446629. $1,074 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $43,899, before any dealer documentation fee. Amount financed $46,643, including $2,744 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $51,549. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRKDJF4TG446629_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 891, "unit": "per_month", "display": "$891/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43899.0, "price_incl_doc": 43899.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 890.71, "amount_financed": 46642.69, "sales_tax": 2743.69, "total_of_payments": 53442.86, "finance_charge": 6800.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260286, VIN 5XYRKDJF4TG446629. $891 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,899, before any dealer documentation fee. Amount financed $46,643, including $2,744 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,443. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRKDJF4TG446629_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 773, "unit": "per_month", "display": "$773/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43899.0, "price_incl_doc": 43899.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 772.78, "amount_financed": 46642.69, "sales_tax": 2743.69, "total_of_payments": 55640.44, "finance_charge": 8997.75, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260286, VIN 5XYRKDJF4TG446629. $773 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,899, before any dealer documentation fee. Amount financed $46,643, including $2,744 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,640. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 109}}, {"vin": "5XYRHDJF1TG424361", "title": "2026 Kia Sorento EX", "year": 2026, "make": "Kia", "model": "Sorento", "trim": "EX", "decoded_trim": "EX; X-Line EX", "condition": "used", "price": 37392.0, "msrp": null, "sale_price": 37392.0, "currency": "USD", "mileage": 21503, "exterior_color": "Wolf Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L I4 DGI Turbocharged DOHC 16V LEV3-SULEV30 281hp", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8 Speed Dual Clutch", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260145", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 37, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ba125422de48472795bf6583874083ad.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ba125422de48472795bf6583874083ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/759e9668149841039c2a9e2ae050c086.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/50c79c55c56d450abd6302622201aa7f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/69bb0de9c2c54a1a864810c67e11a248.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66b8e35331d04972b7f26e15da8b921e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b0d1afe839a2468c844f1faf56510e65.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a7c3921d80cd41288d40e035d4f3c987.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b6a8567fe1e1434bb14349f859aab9ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44709888c981444789bd09a7de90c8ac.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc52c9e075494441be8ba372a6bd784b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7fddc94d4a7440d1823d529b38fffd02.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4416aed558b6452187c0ac6e57c8055d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/105a1326020d4502969222e818d0280d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cf930fb3d4b04444bda764018491c602.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a63c09aa23814bdcb2b1773643e9c804.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9d7d5fd4a6a740f3bea2380449dd513a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ce6749aa03004d66b6ce66eb55745a1b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/edc69f4cb8914dcf9820e6a5ca686c51.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0190dcb3ccaf4b0bb8944d853b19579b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f257570ff6134c21a6397888c5ada85d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e5227d2b7e2946c5a8019c6a47ea2346.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/985ddfebef1544e4ba4ecf1549337587.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f32ea5e31d2248ebbf66080cfac469d3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c4ef5db86c774027905a64aac0848c19.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2183d1b362da42cc968070d01bf9f77d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18cee578d0824ecfbd80d274480496be.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f513ee0a2c4941e4941b10eec908df13.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/42c40c2c1cb1410ca38614b033ded7ca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5a324cde29a847d19b679978d6c48bfa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a43b8847e8794c0798c2ead70d31a146.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/13b42b7c5ca44481b52d6d19362a6191.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3abdff24e953496a890ed772380afa97.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a85035d3e95f4e26b9acbf966037993a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8e18513ea42545f1b47553261a425c96.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/520a75682c8248769b919d094b8a8adb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4398e48c5c3b4103b39591b9316b1a0c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/33800484cc1845c5adb637240a731bb9.jpg"], "vin_decode": {"make": "Kia", "model": "Sorento", "year": 2026, "trim": "EX; 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260145, VIN 5XYRHDJF1TG424361. Advertised price: $37,392. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,392"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37392.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRHDJF1TG424361_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 915, "unit": "per_month", "display": "$915/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37392.0, "price_incl_doc": 37392.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 914.75, "amount_financed": 39729.0, "sales_tax": 2337.0, "total_of_payments": 43908.04, "finance_charge": 4179.04, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260145, VIN 5XYRHDJF1TG424361. $915 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $37,392, before any dealer documentation fee. Amount financed $39,729, including $2,337 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $43,908. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRHDJF1TG424361_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 759, "unit": "per_month", "display": "$759/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37392.0, "price_incl_doc": 37392.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.69, "amount_financed": 39729.0, "sales_tax": 2337.0, "total_of_payments": 45521.2, "finance_charge": 5792.2, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260145, VIN 5XYRHDJF1TG424361. $759 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,392, before any dealer documentation fee. Amount financed $39,729, including $2,337 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,521. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRHDJF1TG424361_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 658, "unit": "per_month", "display": "$658/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37392.0, "price_incl_doc": 37392.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 658.24, "amount_financed": 39729.0, "sales_tax": 2337.0, "total_of_payments": 47393.05, "finance_charge": 7664.05, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260145, VIN 5XYRHDJF1TG424361. $658 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,392, before any dealer documentation fee. Amount financed $39,729, including $2,337 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,393. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 107}}, {"vin": "5TFDW5F16HX666649", "title": "2017 Toyota Tundra SR5/TRD Pro", "year": 2017, "make": "Toyota", "model": "Tundra", "trim": "SR5/TRD Pro", "decoded_trim": "SR5/TRD Pro", "condition": "used", "price": 413.0, "msrp": null, "sale_price": 413.0, "currency": "USD", "mileage": 0, "exterior_color": null, "interior_color": null, "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "5.7L V-8", "engine_displacement_l": 5.7, "engine_cylinders": 8, "transmission": "6-Speed Automatic Electronic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260545A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Toyota", "model": "Tundra", "year": 2017, "trim": "SR5/TRD Pro", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "5.7L 8-Cylinder V-Shaped", "engine_displacement_l": 5.7, "cylinders": 8, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5TFDW5F16HX666649.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Toyota/2017-Toyota-Tundra-91ea3c5bac1839ba6a4280d521011469.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Toyota/2017-Toyota-Tundra-91ea3c5bac1839ba6a4280d521011469.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5TFDW5F16HX666649.html", "json_url": "https://ai.castlekiamchenry.com/v/5TFDW5F16HX666649.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5TFDW5F16HX666649.md", "vdp_url": "https://www.castlekiamchenry.com/used/Toyota/2017-Toyota-Tundra-91ea3c5bac1839ba6a4280d521011469.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260545A, VIN 5TFDW5F16HX666649. Advertised price: $413. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$413"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 413.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [], "suppressed": [{"type": "finance", "term": 60, "failed_checks": ["payment_out_of_band", "doc_fee_missing"], "severity": "critical", "public_note": "No payment is shown for this vehicle because the quote did not pass our accuracy check. One of our sales representatives can quote it exactly."}, {"type": "finance", "term": 72, "failed_checks": ["payment_out_of_band", "doc_fee_missing"], "severity": "critical", "public_note": "No payment is shown for this vehicle because the quote did not pass our accuracy check. One of our sales representatives can quote it exactly."}, {"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 0, "suppressed": 3, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 122}}, {"vin": "4S3BWAD60S3027549", "title": "2025 Subaru Legacy Premium", "year": 2025, "make": "Subaru", "model": "Legacy", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 26235.0, "msrp": null, "sale_price": 26235.0, "currency": "USD", "mileage": 25000, "exterior_color": "Crystal Black Silica", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MSL095", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Legacy", "year": 2025, "trim": "Premium", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S3BWAD60S3027549.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Legacy-bda1ef58ac182b914f329186244fe8fb.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Legacy-bda1ef58ac182b914f329186244fe8fb.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S3BWAD60S3027549.html", "json_url": "https://ai.castlekiamchenry.com/v/4S3BWAD60S3027549.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S3BWAD60S3027549.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Legacy-bda1ef58ac182b914f329186244fe8fb.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MSL095, VIN 4S3BWAD60S3027549. Advertised price: $26,235. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,235"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26235.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S3BWAD60S3027549_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 642, "unit": "per_month", "display": "$642/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26235.0, "price_incl_doc": 26235.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 641.81, "amount_financed": 27874.69, "sales_tax": 1639.69, "total_of_payments": 30806.79, "finance_charge": 2932.1, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL095, VIN 4S3BWAD60S3027549. $642 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $26,235, before any dealer documentation fee. Amount financed $27,875, including $1,640 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $30,807. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S3BWAD60S3027549_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26235.0, "price_incl_doc": 26235.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 532.31, "amount_financed": 27874.69, "sales_tax": 1639.69, "total_of_payments": 31938.62, "finance_charge": 4063.93, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL095, VIN 4S3BWAD60S3027549. $532 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,235, before any dealer documentation fee. Amount financed $27,875, including $1,640 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,939. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S3BWAD60S3027549_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 462, "unit": "per_month", "display": "$462/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26235.0, "price_incl_doc": 26235.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 461.83, "amount_financed": 27874.69, "sales_tax": 1639.69, "total_of_payments": 33251.94, "finance_charge": 5377.25, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL095, VIN 4S3BWAD60S3027549. $462 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,235, before any dealer documentation fee. Amount financed $27,875, including $1,640 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,252. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59793.0, "price_incl_doc": 59793.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1462.76, "amount_financed": 63530.06, "sales_tax": 3737.06, "total_of_payments": 70212.7, "finance_charge": 6682.64, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270095, VIN 5XYPLESA7VG034222. $1,463 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $59,793, before any dealer documentation fee. Amount financed $63,530, including $3,737 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $70,213. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA7VG034222_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1213, "unit": "per_month", "display": "$1,213/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59793.0, "price_incl_doc": 59793.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1213.2, "amount_financed": 63530.06, "sales_tax": 3737.06, "total_of_payments": 72792.29, "finance_charge": 9262.23, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270095, VIN 5XYPLESA7VG034222. $1,213 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $59,793, before any dealer documentation fee. Amount financed $63,530, including $3,737 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $72,792. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA7VG034222_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1053, "unit": "per_month", "display": "$1,053/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59793.0, "price_incl_doc": 59793.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1052.58, "amount_financed": 63530.06, "sales_tax": 3737.06, "total_of_payments": 75785.52, "finance_charge": 12255.46, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270095, VIN 5XYPLESA7VG034222. $1,053 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $59,793, before any dealer documentation fee. Amount financed $63,530, including $3,737 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $75,786. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 109}}, {"vin": "3KPFU4DEXTE343387", "title": "2026 Kia K4 EX", "year": 2026, "make": "Kia", "model": "K4", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 24913.0, "msrp": null, "sale_price": 24913.0, "currency": "USD", "mileage": 17000, "exterior_color": "Morning Haze", "interior_color": "Gray", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260545", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/5cf2bc04b010451fa3d1b4008446f8f5.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/5cf2bc04b010451fa3d1b4008446f8f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2da3db3eba3e486cb7b85ff13bb278cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/90bbb979b0784509b32450045499e683.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/60cff777ff254a4298c2a5372a18aeb2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/11f5f46b86324374bb07301e9779d70a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5463e57940c84273b9756a3cc046042f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/94a05bad79064ed09740773c6ae3282e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/51b06609f7a042adbda6fa45fbcd300c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9e3f0f57211d44138930860e6fea280f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9fc2c12883e5440d802a26f96cf42bc7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/229250b384fc49a8a28c0e0b97ee52d4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/50f3936f798742c59b523f6c5bbaf45b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/670c9fcbf8a4461290bc53ee60eedad6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cfe5fad6e9ff488fa96b0fbd1777eebe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/93c1c0e855b64ec7b1935983a9b82e9b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f61ddb5b96ea42608337474fb9331df6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5a157625ce13425e854a741e201ea7d8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0d86db4d17ea4feb9caeeb6cdf9bc754.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/34c06fdda8bf4caebb4f6c8d296d700b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e1f65b3601cb4dd8ba1edbe25fa258aa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aef31082bdd64738bc903868ca0d215d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8a25d0828f79433bb8c591b8b88325f9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff1243064a254ebe80f963c8cba019df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c393600dfad542fcb94d23df7a036d4c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3d4b27ee8cec44d4934d1d8a59660418.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cfd0f0133c5347ebb265140c7b5b2d65.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7c8ffde293db407790e329172eaed328.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c0eba22a36d403f994b2ab5e29cad5c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/17ab989ce12647deb4b21c78634aa357.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fc62e9db69b64d95ac63eff425d7e30a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0cb7e50ed87e41ee85242897525da4ff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/49b8fb2d01014990864a9fc1325b09d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d5fdd2dcc2f34ebd8ecbd7b27929b57e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e72a3b73503141a8ab801cfeaf943d4a.jpg"], "vin_decode": {"make": "Kia", "model": "K4", "year": 2026, "trim": "EX", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3KPFU4DEXTE343387.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2d9458ac184c5d1b9eb0c5a4808272.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2d9458ac184c5d1b9eb0c5a4808272.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFU4DEXTE343387.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFU4DEXTE343387.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFU4DEXTE343387.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2d9458ac184c5d1b9eb0c5a4808272.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260545, VIN 3KPFU4DEXTE343387. Advertised price: $24,913. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,913"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24913.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFU4DEXTE343387_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.47, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 29254.41, "finance_charge": 2784.35, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260545, VIN 3KPFU4DEXTE343387. $609 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $29,254. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFU4DEXTE343387_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 505, "unit": "per_month", "display": "$505/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24913.0, "price_incl_doc": 24913.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 505.49, "amount_financed": 26470.06, "sales_tax": 1557.06, "total_of_payments": 30329.2, "finance_charge": 3859.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260545, VIN 3KPFU4DEXTE343387. $505 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,913, before any dealer documentation fee. Amount financed $26,470, including $1,557 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,329. Offer expires 2026-07-31. Estimated for ZIP 60050. 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One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 133}}, {"vin": "KNAG64J76T5510616", "title": "2026 Kia K5 GT\\-Line", "year": 2026, "make": "Kia", "model": "K5", "trim": "GT\\-Line", "decoded_trim": "GT-Line", "condition": "used", "price": 29739.0, "msrp": null, "sale_price": 29739.0, "currency": "USD", "mileage": 4000, "exterior_color": "Wolf Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260626", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, 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makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K5-d741e11cac185f86f4ccc9eabaac0308.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNAG64J76T5510616.html", "json_url": "https://ai.castlekiamchenry.com/v/KNAG64J76T5510616.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNAG64J76T5510616.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K5-d741e11cac185f86f4ccc9eabaac0308.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260626, VIN KNAG64J76T5510616. Advertised price: $29,739. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,739"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29739.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J76T5510616_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 728, "unit": "per_month", "display": "$728/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29739.0, "price_incl_doc": 29739.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 727.53, "amount_financed": 31597.69, "sales_tax": 1858.69, "total_of_payments": 34921.41, "finance_charge": 3323.72, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260626, VIN KNAG64J76T5510616. $728 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $29,739, before any dealer documentation fee. Amount financed $31,598, including $1,859 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,921. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J76T5510616_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 603, "unit": "per_month", "display": "$603/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29739.0, "price_incl_doc": 29739.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 603.41, "amount_financed": 31597.69, "sales_tax": 1858.69, "total_of_payments": 36204.41, "finance_charge": 4606.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260626, VIN KNAG64J76T5510616. $603 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,739, before any dealer documentation fee. Amount financed $31,598, including $1,859 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,204. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J76T5510616_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29739.0, "price_incl_doc": 29739.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.52, "amount_financed": 31597.69, "sales_tax": 1858.69, "total_of_payments": 37693.14, "finance_charge": 6095.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260626, VIN KNAG64J76T5510616. $524 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,739, before any dealer documentation fee. Amount financed $31,598, including $1,859 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,693. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2f1f46ac1840287e96547501c7ef6d.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE2TE366407.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE2TE366407.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE2TE366407.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2f1f46ac1840287e96547501c7ef6d.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3KPFT4DE2TE366407_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.85, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 28024.97, "finance_charge": 2667.34, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260607, VIN 3KPFT4DE2TE366407. $584 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,025. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE2TE366407_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260607, VIN 3KPFT4DE2TE366407. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE2TE366407_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 420.13, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 30249.32, "finance_charge": 4891.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260607, VIN 3KPFT4DE2TE366407. $420 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,249. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47003.0, "price_incl_doc": 47003.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.0, "tax_rate": 0.0625, "zip": "60050", "program_code": "2025 Toyota Tundra \u2014 APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 832.34, "amount_financed": 49940.69, "sales_tax": 2937.69, "total_of_payments": 49940.69, "finance_charge": 0.0, "per_1000_financed": 16.67, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260304A, VIN 5TFNA5DBXPX114813. $832 per month for 60 months at 0% APR, $0 cash down. Advertised price $47,003, before any dealer documentation fee. Amount financed $49,941, including $2,938 estimated sales tax at 6.25%. That is $16.67 per $1,000 financed. Total of payments $49,941. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5TFNA5DBXPX114813_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 715, "unit": "per_month", "display": "$715/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47003.0, "price_incl_doc": 47003.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 0.99, "tax_rate": 0.0625, "zip": "60050", "program_code": "2025 Toyota Tundra \u2014 APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 714.71, "amount_financed": 49940.69, "sales_tax": 2937.69, "total_of_payments": 51459.2, "finance_charge": 1518.51, "per_1000_financed": 14.31, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260304A, VIN 5TFNA5DBXPX114813. $715 per month for 72 months at 0.99% APR, $0 cash down. Advertised price $47,003, before any dealer documentation fee. Amount financed $49,941, including $2,938 estimated sales tax at 6.25%. That is $14.31 per $1,000 financed. Total of payments $51,459. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 2, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 118}}, {"vin": "5FNRL6H91PB075998", "title": "2023 Honda Odyssey Elite", "year": 2023, "make": "Honda", "model": "Odyssey", "trim": "Elite", "decoded_trim": "ELITE", "condition": "used", "price": 35010.0, "msrp": null, "sale_price": 35010.0, "currency": "USD", "mileage": 36600, "exterior_color": "Platinum White Pearl", "interior_color": "Beige", "drivetrain": "Drivetrain", "body_style": "Van/Minivan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "3.5L V-6", "engine_displacement_l": 3.5, "engine_cylinders": 6, "transmission": "10-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260427A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 33, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/c39ae6ced33149698b70d1d4212c2f56.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/c39ae6ced33149698b70d1d4212c2f56.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b671fad3e11b4203ae7c7318c6a00058.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d1dd42e6e8d94273996628c7dc097937.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ffa8c3af0d4421bbdfb560cf89887dd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2deb232b338f4ad49ee74c7c73fc5709.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cb35f2e05a634ae28d4da07e8a95ae31.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c1cbcfd3a5f482fbf261fd227ad2a6f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d5a3f9e033cf412cb31a7825c68ef252.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd3e45d878034cc286a533647683b6dd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d5144d57b0d749898539c8e85f57e025.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4d218434ccbf49fc9442559265dba9ba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dd66994476f241a58ec78bbb517427be.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f66d96b31b9843b68d69066641dbceb1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fc9ea5af86aa4acdb2ee17fc5aa6ca7f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/33c1ca669e1c4175b4a7720444363e07.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f5f16569e914124812a7772656f4d8c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b0813412ecb6422e95c090a26faaa801.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/65927e480f594f2bb57bd786e879c119.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18e7ca2cf78a47e1a5a7ba933183509c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/534abacddf78429d87b4782f1c747780.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c5805cb35ea244c298bb67ef3e899690.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/80d1b3458a884d60b9e34fd37ba45978.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e6d8e7472ecb44d391e55dddb97df694.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd39c6b967874e7e91d80eab43293486.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b3d331abb9b34b12a331c9b0d1526901.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/add39c47c25a4cd1a51f6a9d615ad0a7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8842f7ba53bb4f05aa113f260117e457.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d4cf546169b4ec580655e25d91f83ef.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0c9bb5f3bc1e4e7e9231bfe81e01d25a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/318c7558e28b4571aa3dbe47c0776963.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b10d9648acf7477c8bc75196aca8a50c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8fb2240fcfab444fa2d477987023edbe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8fb801fc4378486ebb6f4555bf21a5aa.jpg"], "vin_decode": {"make": "Honda", "model": "Odyssey", "year": 2023, "trim": "ELITE", "body_style": "Minivan", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.50L 6-Cylinder V-Shaped", "engine_displacement_l": 3.5, "cylinders": 6, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2023-Honda-Odyssey-bda26f44ac180302593716fc7ff8f164.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2023-Honda-Odyssey-bda26f44ac180302593716fc7ff8f164.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5FNRL6H91PB075998.html", "json_url": "https://ai.castlekiamchenry.com/v/5FNRL6H91PB075998.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5FNRL6H91PB075998.md", "vdp_url": "https://www.castlekiamchenry.com/used/Honda/2023-Honda-Odyssey-bda26f44ac180302593716fc7ff8f164.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260427A, VIN 5FNRL6H91PB075998. Advertised price: $35,010. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,010"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5FNRL6H91PB075998_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 856, "unit": "per_month", "display": "$856/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35010.0, "price_incl_doc": 35010.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 856.48, "amount_financed": 37198.13, "sales_tax": 2188.13, "total_of_payments": 41110.95, "finance_charge": 3912.82, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260427A, VIN 5FNRL6H91PB075998. $856 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $35,010, before any dealer documentation fee. Amount financed $37,198, including $2,188 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $41,111. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5FNRL6H91PB075998_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 710, "unit": "per_month", "display": "$710/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35010.0, "price_incl_doc": 35010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 710.36, "amount_financed": 37198.13, "sales_tax": 2188.13, "total_of_payments": 42621.35, "finance_charge": 5423.22, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260427A, VIN 5FNRL6H91PB075998. $710 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,010, before any dealer documentation fee. Amount financed $37,198, including $2,188 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,621. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5FNRL6H91PB075998_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 616, "unit": "per_month", "display": "$616/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35010.0, "price_incl_doc": 35010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 616.3, "amount_financed": 37198.13, "sales_tax": 2188.13, "total_of_payments": 44373.95, "finance_charge": 7175.82, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260427A, VIN 5FNRL6H91PB075998. $616 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,010, before any dealer documentation fee. Amount financed $37,198, including $2,188 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,374. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22410.0, "price_incl_doc": 22410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 3.49, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 Hyundai Kona \u2014 Finance", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 433.05, "amount_financed": 23810.63, "sales_tax": 1400.63, "total_of_payments": 25983.02, "finance_charge": 2172.39, "per_1000_financed": 18.19, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260460A, VIN KM8K3CA33PU045071. $433 per month for 60 months at 3.49% APR, $0 cash down. Advertised price $22,410, before any dealer documentation fee. Amount financed $23,811, including $1,401 estimated sales tax at 6.25%. That is $18.19 per $1,000 financed. Total of payments $25,983. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GN7DPRR2RS222257_finance_36", "type": "finance_36", "label": "Finance", "headline": {"value": 920, "unit": "per_month", "display": "$920/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29810.0, "price_incl_doc": 29810.0, "doc_fee": null, "down_payment": 0.0, "term": 36, "apr": 2.9, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 CHEVROLET Equinox EV", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 919.7, "amount_financed": 31673.13, "sales_tax": 1863.13, "total_of_payments": 33109.12, "finance_charge": 1435.99, "per_1000_financed": 29.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7890, VIN 3GN7DPRR2RS222257. $920 per month for 36 months at 2.9% APR, $0 cash down. Advertised price $29,810, before any dealer documentation fee. Amount financed $31,673, including $1,863 estimated sales tax at 6.25%. That is $29.04 per $1,000 financed. Total of payments $33,109. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GN7DPRR2RS222257_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 605, "unit": "per_month", "display": "$605/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29810.0, "price_incl_doc": 29810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 604.85, "amount_financed": 31673.13, "sales_tax": 1863.13, "total_of_payments": 36290.84, "finance_charge": 4617.71, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7890, VIN 3GN7DPRR2RS222257. $605 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,810, before any dealer documentation fee. Amount financed $31,673, including $1,863 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,291. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GN7DPRR2RS222257_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 525, "unit": "per_month", "display": "$525/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29810.0, "price_incl_doc": 29810.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 524.77, "amount_financed": 31673.13, "sales_tax": 1863.13, "total_of_payments": 37783.13, "finance_charge": 6110.0, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7890, VIN 3GN7DPRR2RS222257. $525 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,810, before any dealer documentation fee. Amount financed $31,673, including $1,863 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,783. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$413"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. 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One of our sales representatives can quote it exactly."}, {"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 413.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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One of our sales representatives can quote it exactly."}, {"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$16,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BSAFC1H3377677_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 401, "unit": "per_month", "display": "$401/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16410.0, "price_incl_doc": 16410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 332.96, "amount_financed": 17435.63, "sales_tax": 1025.63, "total_of_payments": 19977.62, "finance_charge": 2541.99, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL121A, VIN 4S4BSAFC1H3377677. $333 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $16,410, before any dealer documentation fee. Amount financed $17,436, including $1,026 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $19,978. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16410.0, "price_incl_doc": 16410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 288.88, "amount_financed": 17435.63, "sales_tax": 1025.63, "total_of_payments": 20799.1, "finance_charge": 3363.47, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL121A, VIN 4S4BSAFC1H3377677. $289 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $16,410, before any dealer documentation fee. Amount financed $17,436, including $1,026 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $20,799. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$413"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. 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One of our sales representatives can quote it exactly."}, {"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tell us your ZIP and we will recompute."}, "offers": [], "suppressed": [{"type": "finance", "term": 36, "failed_checks": ["payment_out_of_band", "doc_fee_missing"], "severity": "critical", "public_note": "No payment is shown for this vehicle because the quote did not pass our accuracy check. One of our sales representatives can quote it exactly."}, {"type": "finance", "term": 60, "failed_checks": ["payment_out_of_band", "doc_fee_missing"], "severity": "critical", "public_note": "No payment is shown for this vehicle because the quote did not pass our accuracy check. One of our sales representatives can quote it exactly."}, {"type": "finance", "term": 72, "failed_checks": ["payment_out_of_band", "doc_fee_missing"], "severity": "critical", "public_note": "No payment is shown for this vehicle because the quote did not pass our accuracy check. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12410.0, "price_incl_doc": 12410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 251.8, "amount_financed": 13185.63, "sales_tax": 775.63, "total_of_payments": 15108.0, "finance_charge": 1922.37, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260591A, VIN 5N1AT2MV4EC872776. $252 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $12,410, before any dealer documentation fee. Amount financed $13,186, including $776 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $15,108. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5N1AT2MV4EC872776_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 218, "unit": "per_month", "display": "$218/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25810.0, "price_incl_doc": 25810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.69, "amount_financed": 27423.13, "sales_tax": 1613.13, "total_of_payments": 31421.23, "finance_charge": 3998.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260251A, VIN 19XFL1H74PE013201. $524 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,810, before any dealer documentation fee. Amount financed $27,423, including $1,613 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,421. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_19XFL1H74PE013201_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 454, "unit": "per_month", "display": "$454/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25810.0, "price_incl_doc": 25810.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 454.35, "amount_financed": 27423.13, "sales_tax": 1613.13, "total_of_payments": 32713.27, "finance_charge": 5290.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260251A, VIN 19XFL1H74PE013201. $454 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,810, before any dealer documentation fee. Amount financed $27,423, including $1,613 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,713. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,546"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDEDCD35V7022753_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 796, "unit": "per_month", "display": "$796/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32546.0, "price_incl_doc": 32546.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 796.2, "amount_financed": 34580.13, "sales_tax": 2034.13, "total_of_payments": 38217.57, "finance_charge": 3637.44, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270094, VIN KNDEDCD35V7022753. $796 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,546, before any dealer documentation fee. Amount financed $34,580, including $2,034 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $38,218. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEDCD35V7022753_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 660, "unit": "per_month", "display": "$660/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32546.0, "price_incl_doc": 32546.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 660.36, "amount_financed": 34580.13, "sales_tax": 2034.13, "total_of_payments": 39621.66, "finance_charge": 5041.53, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270094, VIN KNDEDCD35V7022753. $660 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,546, before any dealer documentation fee. Amount financed $34,580, including $2,034 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,622. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32546.0, "price_incl_doc": 32546.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.93, "amount_financed": 34580.13, "sales_tax": 2034.13, "total_of_payments": 41250.92, "finance_charge": 6670.79, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270094, VIN KNDEDCD35V7022753. $573 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,546, before any dealer documentation fee. Amount financed $34,580, including $2,034 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,251. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13296.0, "price_incl_doc": 13296.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 325.27, "amount_financed": 14127.0, "sales_tax": 831.0, "total_of_payments": 15613.0, "finance_charge": 1486.0, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS250844A, VIN 5XXGT4L36LG435126. $325 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $13,296, before any dealer documentation fee. Amount financed $14,127, including $831 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $15,613. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XXGT4L36LG435126_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 270, "unit": "per_month", "display": "$270/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13296.0, "price_incl_doc": 13296.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 269.78, "amount_financed": 14127.0, "sales_tax": 831.0, "total_of_payments": 16186.62, "finance_charge": 2059.62, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS250844A, VIN 5XXGT4L36LG435126. $270 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $13,296, before any dealer documentation fee. Amount financed $14,127, including $831 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $16,187. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XXGT4L36LG435126_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 234, "unit": "per_month", "display": "$234/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13296.0, "price_incl_doc": 13296.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 234.06, "amount_financed": 14127.0, "sales_tax": 831.0, "total_of_payments": 16852.21, "finance_charge": 2725.21, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS250844A, VIN 5XXGT4L36LG435126. $234 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $13,296, before any dealer documentation fee. Amount financed $14,127, including $831 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $16,852. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 154}}, {"vin": "KNDPCCA20C7278612", "title": "2012 Kia Sportage EX", "year": 2012, "make": "Kia", "model": "Sportage", "trim": "EX", "decoded_trim": "GLS(Middle grade)", "condition": "used", "price": 10203.0, "msrp": null, "sale_price": 10203.0, "currency": "USD", "mileage": 228000, "exterior_color": "Twilight Blue", "interior_color": "Alpine Gray", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.4L i-4", "engine_displacement_l": 2.4, "engine_cylinders": null, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260529A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 11, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/fa8f3275038d47b0940984a2c013c88f.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/fa8f3275038d47b0940984a2c013c88f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b38f128b943842cab4d250e96c43387a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/509b3258447f401580e7f4ea396f50ce.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/55f91c651cd648e39c7fff7b749cc3ac.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/98ba74297a6f4c79a91630891631ae6e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/31b80356d20b4a5fb0e201adda1af497.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad1c91804a8546c38a8c195a64f0f0a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fc3eb690705047d39734450029bbfbb0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc60073e9d7e452ca991f1a251c728c5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f80e8a1227d141a3aba06a9d66ed0145.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/05d72322548f44aa8a8fb75d844b2bf0.jpg"], "vin_decode": {"make": "Kia", "model": "Sportage", "year": 2012, "trim": "GLS(Middle grade)", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.4L", "engine_displacement_l": 2.4, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDPCCA20C7278612.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2012-Kia-Sportage-44aaf24cac1802934a2c939f32dc4ce2.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2012-Kia-Sportage-44aaf24cac1802934a2c939f32dc4ce2.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDPCCA20C7278612.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDPCCA20C7278612.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDPCCA20C7278612.md", "vdp_url": "https://www.castlekiamchenry.com/used/Kia/2012-Kia-Sportage-44aaf24cac1802934a2c939f32dc4ce2.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260529A, VIN KNDPCCA20C7278612. Advertised price: $10,203. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$10,203"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 10203.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPCCA20C7278612_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 250, "unit": "per_month", "display": "$250/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10203.0, "price_incl_doc": 10203.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 249.6, "amount_financed": 10840.69, "sales_tax": 637.69, "total_of_payments": 11981.01, "finance_charge": 1140.32, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260529A, VIN KNDPCCA20C7278612. $250 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $10,203, before any dealer documentation fee. Amount financed $10,841, including $638 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $11,981. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPCCA20C7278612_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 207, "unit": "per_month", "display": "$207/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10203.0, "price_incl_doc": 10203.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 207.02, "amount_financed": 10840.69, "sales_tax": 637.69, "total_of_payments": 12421.18, "finance_charge": 1580.49, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260529A, VIN KNDPCCA20C7278612. $207 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $10,203, before any dealer documentation fee. Amount financed $10,841, including $638 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $12,421. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FM5K8GC4NGB09800_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 815, "unit": "per_month", "display": "$815/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33303.0, "price_incl_doc": 33303.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 814.72, "amount_financed": 35384.44, "sales_tax": 2081.44, "total_of_payments": 39106.48, "finance_charge": 3722.04, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260406A, VIN 1FM5K8GC4NGB09800. $815 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $33,303, before any dealer documentation fee. Amount financed $35,384, including $2,081 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $39,106. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FM5K8GC4NGB09800_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 676, "unit": "per_month", "display": "$676/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33303.0, "price_incl_doc": 33303.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 675.72, "amount_financed": 35384.44, "sales_tax": 2081.44, "total_of_payments": 40543.24, "finance_charge": 5158.8, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260406A, VIN 1FM5K8GC4NGB09800. $676 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,303, before any dealer documentation fee. Amount financed $35,384, including $2,081 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,543. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FM5K8GC4NGB09800_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 586, "unit": "per_month", "display": "$586/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33303.0, "price_incl_doc": 33303.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.26, "amount_financed": 35384.44, "sales_tax": 2081.44, "total_of_payments": 42210.38, "finance_charge": 6825.94, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260406A, VIN 1FM5K8GC4NGB09800. $586 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,303, before any dealer documentation fee. Amount financed $35,384, including $2,081 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,210. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 138}}, {"vin": "1GCVKREC9HZ107014", "title": "2017 Chevrolet Silverado 1500 LT LT2", "year": 2017, "make": "Chevrolet", "model": "Silverado 1500", "trim": "LT LT2", "decoded_trim": "LT", "condition": "used", "price": 25910.0, "msrp": null, "sale_price": 25910.0, "currency": "USD", "mileage": 0, "exterior_color": "Red Hot", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "5.3L V-8", "engine_displacement_l": 5.3, "engine_cylinders": 8, "transmission": "6-Speed Automatic Electronic with Overdrive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MC260717A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2017CHT270006_640/2017CHT270006_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2017CHT270006_640/2017CHT270006_640_01.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Silverado", "year": 2017, "trim": "LT", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "5.3L 8-Cylinder", "engine_displacement_l": 5.3, "cylinders": 8, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1GCVKREC9HZ107014.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2017-Chevrolet-Silverado-1500-4ef79fcdac182381677b0ba909a8693b.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2017-Chevrolet-Silverado-1500-4ef79fcdac182381677b0ba909a8693b.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1GCVKREC9HZ107014.html", "json_url": "https://ai.castlekiamchenry.com/v/1GCVKREC9HZ107014.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1GCVKREC9HZ107014.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2017-Chevrolet-Silverado-1500-4ef79fcdac182381677b0ba909a8693b.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MC260717A, VIN 1GCVKREC9HZ107014. Advertised price: $25,910. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$25,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GCVKREC9HZ107014_finance_36", "type": "finance_36", "label": "Finance", "headline": {"value": 775, "unit": "per_month", "display": "$775/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25910.0, "price_incl_doc": 25910.0, "doc_fee": null, "down_payment": 0.0, "term": 36, "apr": 0.9, "tax_rate": 0.0625, "zip": "60050", "program_code": "2025 CHEVROLET Silverado 1500", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 775.36, "amount_financed": 27529.38, "sales_tax": 1619.38, "total_of_payments": 27913.02, "finance_charge": 383.64, "per_1000_financed": 28.16, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260717A, VIN 1GCVKREC9HZ107014. $775 per month for 36 months at 0.9% APR, $0 cash down. Advertised price $25,910, before any dealer documentation fee. Amount financed $27,529, including $1,619 estimated sales tax at 6.25%. That is $28.16 per $1,000 financed. Total of payments $27,913. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCVKREC9HZ107014_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 459, "unit": "per_month", "display": "$459/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25910.0, "price_incl_doc": 25910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.0, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 CHEVROLET Silverado 1500", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 458.82, "amount_financed": 27529.38, "sales_tax": 1619.38, "total_of_payments": 27529.38, "finance_charge": 0.0, "per_1000_financed": 16.67, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260717A, VIN 1GCVKREC9HZ107014. $459 per month for 60 months at 0% APR, $0 cash down. Advertised price $25,910, before any dealer documentation fee. Amount financed $27,529, including $1,619 estimated sales tax at 6.25%. That is $16.67 per $1,000 financed. Total of payments $27,529. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26210.0, "price_incl_doc": 26210.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 641.2, "amount_financed": 27848.13, "sales_tax": 1638.13, "total_of_payments": 30777.44, "finance_charge": 2929.31, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS251081B, VIN 5XYK3CDF6SG240103. $641 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $26,210, before any dealer documentation fee. Amount financed $27,848, including $1,638 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $30,777. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26210.0, "price_incl_doc": 26210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 531.8, "amount_financed": 27848.13, "sales_tax": 1638.13, "total_of_payments": 31908.19, "finance_charge": 4060.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS251081B, VIN 5XYK3CDF6SG240103. $532 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,210, before any dealer documentation fee. Amount financed $27,848, including $1,638 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,908. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK3CDF6SG240103_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 461, "unit": "per_month", "display": "$461/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26210.0, "price_incl_doc": 26210.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 461.39, "amount_financed": 27848.13, "sales_tax": 1638.13, "total_of_payments": 33220.26, "finance_charge": 5372.13, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS251081B, VIN 5XYK3CDF6SG240103. $461 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,210, before any dealer documentation fee. Amount financed $27,848, including $1,638 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,220. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,925"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36925.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDEECD73V7026686_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 903, "unit": "per_month", "display": "$903/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36925.0, "price_incl_doc": 36925.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 903.33, "amount_financed": 39232.81, "sales_tax": 2307.81, "total_of_payments": 43359.66, "finance_charge": 4126.85, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270085, VIN KNDEECD73V7026686. $903 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $36,925, before any dealer documentation fee. Amount financed $39,233, including $2,308 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $43,360. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEECD73V7026686_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 749, "unit": "per_month", "display": "$749/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36925.0, "price_incl_doc": 36925.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.21, "amount_financed": 39232.81, "sales_tax": 2307.81, "total_of_payments": 44952.67, "finance_charge": 5719.86, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270085, VIN KNDEECD73V7026686. $749 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,925, before any dealer documentation fee. Amount financed $39,233, including $2,308 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,953. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEECD73V7026686_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 650, "unit": "per_month", "display": "$650/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36925.0, "price_incl_doc": 36925.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 650.02, "amount_financed": 39232.81, "sales_tax": 2307.81, "total_of_payments": 46801.14, "finance_charge": 7568.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270085, VIN KNDEECD73V7026686. $650 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,925, before any dealer documentation fee. Amount financed $39,233, including $2,308 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,801. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 140}}, {"vin": "KNDJ23AU3L7100929", "title": "2020 Kia Soul LX", "year": 2020, "make": "Kia", "model": "Soul", "trim": "LX", "decoded_trim": "LX, S, X-Line", "condition": "used", "price": 10184.0, "msrp": null, "sale_price": 10184.0, "currency": "USD", "mileage": 4957, "exterior_color": "Solar Yellow", "interior_color": "Black/Gray", "drivetrain": "Drivetrain", "body_style": "Hatchback", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L i-4", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260474A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Kia", "model": "Soul", "year": 2020, "trim": "LX, S, X-Line", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KNDJ23AU3L7100929.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2020-Kia-Soul-6cbe0ae6ac1814e012e1fffc50031546.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Kia/2020-Kia-Soul-6cbe0ae6ac1814e012e1fffc50031546.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KNDJ23AU3L7100929.html", "json_url": "https://ai.castlekiamchenry.com/v/KNDJ23AU3L7100929.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KNDJ23AU3L7100929.md", "vdp_url": "https://www.castlekiamchenry.com/used/Kia/2020-Kia-Soul-6cbe0ae6ac1814e012e1fffc50031546.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260474A, VIN KNDJ23AU3L7100929. Advertised price: $10,184. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$10,184"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 10184.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDJ23AU3L7100929_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 249, "unit": "per_month", "display": "$249/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10184.0, "price_incl_doc": 10184.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 249.14, "amount_financed": 10820.5, "sales_tax": 636.5, "total_of_payments": 11958.69, "finance_charge": 1138.19, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260474A, VIN KNDJ23AU3L7100929. $249 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $10,184, before any dealer documentation fee. Amount financed $10,820, including $636 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $11,959. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDJ23AU3L7100929_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 207, "unit": "per_month", "display": "$207/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10184.0, "price_incl_doc": 10184.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 206.63, "amount_financed": 10820.5, "sales_tax": 636.5, "total_of_payments": 12398.05, "finance_charge": 1577.55, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260474A, VIN KNDJ23AU3L7100929. $207 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $10,184, before any dealer documentation fee. Amount financed $10,820, including $636 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $12,398. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDJ23AU3L7100929_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 179, "unit": "per_month", "display": "$179/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10184.0, "price_incl_doc": 10184.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 179.28, "amount_financed": 10820.5, "sales_tax": 636.5, "total_of_payments": 12907.86, "finance_charge": 2087.36, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260474A, VIN KNDJ23AU3L7100929. $179 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $10,184, before any dealer documentation fee. Amount financed $10,820, including $636 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $12,908. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 127}}, {"vin": "4S4BSEJC3F3348354", "title": "2015 Subaru Outback 3.6R Limited", "year": 2015, "make": "Subaru", "model": "Outback", "trim": "3.6R Limited", "decoded_trim": "Limited", "condition": "used", "price": 413.0, "msrp": null, "sale_price": 413.0, "currency": "USD", "mileage": 149000, "exterior_color": "Carbide Gray Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "3.6L H-6", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "CVT Lineartronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260542A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2015, "trim": "Limited", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.6L 6-Cylinder In-Line", "engine_displacement_l": 3.6, "cylinders": 6, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S4BSEJC3F3348354.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2015-Subaru-Outback-782ae573ac18347aee8c697d83dc76ef.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2015-Subaru-Outback-782ae573ac18347aee8c697d83dc76ef.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S4BSEJC3F3348354.html", "json_url": "https://ai.castlekiamchenry.com/v/4S4BSEJC3F3348354.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S4BSEJC3F3348354.md", "vdp_url": "https://www.castlekiamchenry.com/used/Subaru/2015-Subaru-Outback-782ae573ac18347aee8c697d83dc76ef.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260542A, VIN 4S4BSEJC3F3348354. Advertised price: $413. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$413"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 413.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [], "suppressed": [{"type": "finance", "term": 48, "failed_checks": ["payment_out_of_band", "doc_fee_missing"], "severity": "critical", "public_note": "No payment is shown for this vehicle because the quote did not pass our accuracy check. One of our sales representatives can quote it exactly."}, {"type": "finance", "term": 60, "failed_checks": ["payment_out_of_band", "doc_fee_missing"], "severity": "critical", "public_note": "No payment is shown for this vehicle because the quote did not pass our accuracy check. One of our sales representatives can quote it exactly."}, {"type": "finance", "term": 72, "failed_checks": ["payment_out_of_band", "doc_fee_missing"], "severity": "critical", "public_note": "No payment is shown for this vehicle because the quote did not pass our accuracy check. One of our sales representatives can quote it exactly."}, {"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 0, "suppressed": 4, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 140}}, {"vin": "1J4FA59S51P356617", "title": "2001 Jeep Wrangler Sahara", "year": 2001, "make": "Jeep", "model": "Wrangler", "trim": "Sahara", "decoded_trim": "Sahara", "condition": "used", "price": 413.0, "msrp": null, "sale_price": 413.0, "currency": "USD", "mileage": 108000, "exterior_color": "Black", "interior_color": null, "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 2, "seating_capacity": null, "engine": "4L i-6", "engine_displacement_l": 4.0, "engine_cylinders": 6, "transmission": null, "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MC260805A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Jeep", "model": "Wrangler", "year": 2001, "trim": "Sahara", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "4L 6-Cylinder V-Shaped", "engine_displacement_l": 4.0, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 2}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1J4FA59S51P356617.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Jeep/2001-Jeep-Wrangler-76e0ef67ac185005b9496b41f1ed2617.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Jeep/2001-Jeep-Wrangler-76e0ef67ac185005b9496b41f1ed2617.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1J4FA59S51P356617.html", "json_url": "https://ai.castlekiamchenry.com/v/1J4FA59S51P356617.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1J4FA59S51P356617.md", "vdp_url": "https://www.castlekiamchenry.com/used/Jeep/2001-Jeep-Wrangler-76e0ef67ac185005b9496b41f1ed2617.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24408.0, "price_incl_doc": 24408.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 597.11, "amount_financed": 25933.5, "sales_tax": 1525.5, "total_of_payments": 28661.41, "finance_charge": 2727.91, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260532B, VIN 19XFL2H59NE023255. $597 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $24,408, before any dealer documentation fee. Amount financed $25,934, including $1,526 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,661. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_19XFL2H59NE023255_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24408.0, "price_incl_doc": 24408.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 495.24, "amount_financed": 25933.5, "sales_tax": 1525.5, "total_of_payments": 29714.42, "finance_charge": 3780.92, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260532B, VIN 19XFL2H59NE023255. $495 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,408, before any dealer documentation fee. Amount financed $25,934, including $1,526 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,714. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_19XFL2H59NE023255_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 430, "unit": "per_month", "display": "$430/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24408.0, "price_incl_doc": 24408.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 429.67, "amount_financed": 25933.5, "sales_tax": 1525.5, "total_of_payments": 30936.28, "finance_charge": 5002.78, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260532B, VIN 19XFL2H59NE023255. $430 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,408, before any dealer documentation fee. Amount financed $25,934, including $1,526 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $30,936. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 137}}, {"vin": "5N1BT3BB2PC908017", "title": "2023 Nissan Rogue SV", "year": 2023, "make": "Nissan", "model": "Rogue", "trim": "SV", "decoded_trim": "SV", "condition": "used", "price": 19171.0, "msrp": null, "sale_price": 19171.0, "currency": "USD", "mileage": 500, "exterior_color": "Brilliant Silver Metallic", "interior_color": "Charcoal", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "1.5L i-3", "engine_displacement_l": 1.5, "engine_cylinders": 3, "transmission": "CVT with Xtronic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MKP2492", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 28, "primary_image": "https://content.homenetiol.com/2003378/2267140/0x0/45b7420e6dd444a5b56c6aacd0a8bf39.jpg", "images": ["https://content.homenetiol.com/2003378/2267140/0x0/45b7420e6dd444a5b56c6aacd0a8bf39.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/a675358e37154e7f876d6c8d7704782e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/2eced9f0c57f4a959cab98140a11a947.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/8d3a216884ba4d9db759b53c37a77665.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/41bd3fbf27f444c98a6c5f385d893913.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/53c297ccc40148faa26e68b38e3727f3.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/2e9209576d304be0bff877b72d416808.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/9fad46c3544e469f949489dd730b0c5b.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/77fb7bcea48e4037ba27d809f9fc6293.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/5a9f291f4cca463db154b388a907f0e2.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/0e064594e84b41779a28abdd5f19b58f.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/3962e99892054d46b9a9cf1d296cac01.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/7787bba5c64b4154a6ee1299074cf050.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/db2ee2e400974a6486373475090afeeb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/093730b0e20d4c619691b1390904f6f4.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/85f3504da942480cb81880e83802f8f3.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/d4476e3915f640a4807ba4a0540c08f1.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/fd443227aaf04426b7c53ad7e13ef15e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/9ac7f75621294fa689762e6f094d060e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/cd61a43d82e147629097a14036d52b63.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/7f9fb863d7984d5ca189d5f8ebca3d42.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/d83986535f094c67a5cb426e5241dfd1.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/7914523b79d44ebdb7c21daad87035ad.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/aeff4685846b461eabfae0a03f66d214.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/0c26c92ce5904f8ab2934ad1da7d9b8d.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/b36e6e3131ad48c7a5c25d932aef8771.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/193117d9b2074951b5ed023ef427cd38.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/dde9a5ad1a0b4b30bd603ecaf7b76c11.jpg"], "vin_decode": {"make": "Nissan", "model": "Rogue", "year": 2023, "trim": "SV", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 3-Cylinder In-Line", "engine_displacement_l": 1.5, "cylinders": 3, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/5N1BT3BB2PC908017.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Nissan/2023-Nissan-Rogue-bda168aaac184b703a7f6e3f8a2b4a99.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Nissan/2023-Nissan-Rogue-bda168aaac184b703a7f6e3f8a2b4a99.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5N1BT3BB2PC908017.html", "json_url": "https://ai.castlekiamchenry.com/v/5N1BT3BB2PC908017.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5N1BT3BB2PC908017.md", "vdp_url": "https://www.castlekiamchenry.com/used/Nissan/2023-Nissan-Rogue-bda168aaac184b703a7f6e3f8a2b4a99.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MKP2492, VIN 5N1BT3BB2PC908017. Advertised price: $19,171. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$19,171"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 19171.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5N1BT3BB2PC908017_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 469, "unit": "per_month", "display": "$469/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19171.0, "price_incl_doc": 19171.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 469.0, "amount_financed": 20369.19, "sales_tax": 1198.19, "total_of_payments": 22511.8, "finance_charge": 2142.61, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2492, VIN 5N1BT3BB2PC908017. $469 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $19,171, before any dealer documentation fee. Amount financed $20,369, including $1,198 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $22,512. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5N1BT3BB2PC908017_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 389, "unit": "per_month", "display": "$389/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19171.0, "price_incl_doc": 19171.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 388.98, "amount_financed": 20369.19, "sales_tax": 1198.19, "total_of_payments": 23338.87, "finance_charge": 2969.68, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2492, VIN 5N1BT3BB2PC908017. $389 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $19,171, before any dealer documentation fee. Amount financed $20,369, including $1,198 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $23,339. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5N1BT3BB2PC908017_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 337, "unit": "per_month", "display": "$337/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19171.0, "price_incl_doc": 19171.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 337.48, "amount_financed": 20369.19, "sales_tax": 1198.19, "total_of_payments": 24298.57, "finance_charge": 3929.38, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2492, VIN 5N1BT3BB2PC908017. $337 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $19,171, before any dealer documentation fee. Amount financed $20,369, including $1,198 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $24,299. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-bda2635fac181b0c5f24b7f1de385ba7.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK6CDF5TG340105.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF5TG340105.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF5TG340105.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Kia/2026-Kia-Sportage-bda2635fac181b0c5f24b7f1de385ba7.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260033, VIN 5XYK6CDF5TG340105. Advertised price: $32,288. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,288"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32288.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF5TG340105_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 790, "unit": "per_month", "display": "$790/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32288.0, "price_incl_doc": 32288.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 789.89, "amount_financed": 34306.0, "sales_tax": 2018.0, "total_of_payments": 37914.6, "finance_charge": 3608.6, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260033, VIN 5XYK6CDF5TG340105. $790 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $32,288, before any dealer documentation fee. Amount financed $34,306, including $2,018 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $37,915. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF5TG340105_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 655, "unit": "per_month", "display": "$655/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32288.0, "price_incl_doc": 32288.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 655.13, "amount_financed": 34306.0, "sales_tax": 2018.0, "total_of_payments": 39307.57, "finance_charge": 5001.57, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260033, VIN 5XYK6CDF5TG340105. $655 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,288, before any dealer documentation fee. Amount financed $34,306, including $2,018 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,308. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF5TG340105_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 568, "unit": "per_month", "display": "$568/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32288.0, "price_incl_doc": 32288.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 568.39, "amount_financed": 34306.0, "sales_tax": 2018.0, "total_of_payments": 40923.9, "finance_charge": 6617.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260033, VIN 5XYK6CDF5TG340105. $568 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,288, before any dealer documentation fee. Amount financed $34,306, including $2,018 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,924. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33058.0, "price_incl_doc": 33058.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.72, "amount_financed": 35124.13, "sales_tax": 2066.13, "total_of_payments": 38818.79, "finance_charge": 3694.66, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270086, VIN KNDEDCD33V7022301. $809 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $33,058, before any dealer documentation fee. Amount financed $35,124, including $2,066 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $38,819. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEDCD33V7022301_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 671, "unit": "per_month", "display": "$671/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33058.0, "price_incl_doc": 33058.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 670.75, "amount_financed": 35124.13, "sales_tax": 2066.13, "total_of_payments": 40244.98, "finance_charge": 5120.85, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270086, VIN KNDEDCD33V7022301. $671 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,058, before any dealer documentation fee. Amount financed $35,124, including $2,066 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,245. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEDCD33V7022301_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33058.0, "price_incl_doc": 33058.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.94, "amount_financed": 35124.13, "sales_tax": 2066.13, "total_of_payments": 41899.86, "finance_charge": 6775.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270086, VIN KNDEDCD33V7022301. $582 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,058, before any dealer documentation fee. Amount financed $35,124, including $2,066 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,900. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$21,210"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21210.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GYKNBRS6KZ291011_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 519, "unit": "per_month", "display": "$519/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21210.0, "price_incl_doc": 21210.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 518.88, "amount_financed": 22535.63, "sales_tax": 1325.63, "total_of_payments": 24906.12, "finance_charge": 2370.49, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M250514B, VIN 1GYKNBRS6KZ291011. $519 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $21,210, before any dealer documentation fee. Amount financed $22,536, including $1,326 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $24,906. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21210.0, "price_incl_doc": 21210.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 430.35, "amount_financed": 22535.63, "sales_tax": 1325.63, "total_of_payments": 25821.16, "finance_charge": 3285.53, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M250514B, VIN 1GYKNBRS6KZ291011. $430 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $21,210, before any dealer documentation fee. Amount financed $22,536, including $1,326 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $25,821. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21210.0, "price_incl_doc": 21210.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 373.37, "amount_financed": 22535.63, "sales_tax": 1325.63, "total_of_payments": 26882.94, "finance_charge": 4347.31, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M250514B, VIN 1GYKNBRS6KZ291011. $373 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $21,210, before any dealer documentation fee. Amount financed $22,536, including $1,326 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $26,883. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 155}}, {"vin": "4T1BD1FK4GU177712", "title": "2016 Toyota Camry Hybrid XLE", "year": 2016, "make": "Toyota", "model": "Camry Hybrid", "trim": "XLE", "decoded_trim": "Hybrid", "condition": "used", "price": 18410.0, "msrp": null, "sale_price": 18410.0, "currency": "USD", "mileage": 0, "exterior_color": "Midnight Black Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "eCVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MKK374", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 27, "primary_image": "https://content.homenetiol.com/2003378/2267140/0x0/29332b246e2e4ed78324bc07c8ad66af.jpg", "images": ["https://content.homenetiol.com/2003378/2267140/0x0/29332b246e2e4ed78324bc07c8ad66af.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/6c51bc26f196418880524943397cbf07.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/76f3fc7926ca4793be60e9036b2781cb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/24727a13b4eb427d92287dbeafbdc2ae.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/624eea366be74108a8e1591114519d6d.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/c12da9f311354aa6a33d2057c97dbec8.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/d2d5246425ed46afbd208fcb2381b243.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/430947ce5c2c43a79bd8af4051658639.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/ef242fc3640f4b839c54485d32f207f2.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/014182faf312483c81db536e2d63ad3b.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/24a47ca2b5fb4e08995bfdc607404802.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/00a45209b3604a8990e360f5809e8efe.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/eb5f0439ee764c40b35409096a04deae.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/3bbabb205e884280ad3392080455dd39.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/8c929ff93f18410aafa1ff61132f62f0.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/265cfad69e88434e85e3cc04d6686b50.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/33084bb9e533478c801986104a648f4e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/2cc95acb29394a03a9554907803f7ceb.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/6444c2ad241f4e15a5f34206fff5f6ed.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/10df4ef98c9f4c9a8a3cabcbf6770de4.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/169629846e0b4fd9b8f77e1915fb8033.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/cb7bc2cbe3424a118be302fe2be0b8a7.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/81f6f64894c947659d52b29ec31e9693.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/dfd354fa9df14634ae33033c47138472.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/1cb0af2fd1c2489198db7bd5fc804c9e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/a4b97765cd8f43959d2de6fe1148958e.jpg", "https://content.homenetiol.com/2003378/2267140/0x0/e382d99a093e48aca590fc49e2a1e472.jpg"], "vin_decode": {"make": "Toyota", "model": "Camry", "year": 2016, "trim": "Hybrid", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4T1BD1FK4GU177712.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Toyota/2016-Toyota-Camry-Hybrid-3914eb33ac181c7f2497ff4c67c4d3ad.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Toyota/2016-Toyota-Camry-Hybrid-3914eb33ac181c7f2497ff4c67c4d3ad.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4T1BD1FK4GU177712.html", "json_url": "https://ai.castlekiamchenry.com/v/4T1BD1FK4GU177712.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4T1BD1FK4GU177712.md", "vdp_url": "https://www.castlekiamchenry.com/used/Toyota/2016-Toyota-Camry-Hybrid-3914eb33ac181c7f2497ff4c67c4d3ad.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$18,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 18410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4T1BD1FK4GU177712_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 450, "unit": "per_month", "display": "$450/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18410.0, "price_incl_doc": 18410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 Toyota Camry \u2014 APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 450.38, "amount_financed": 19560.63, "sales_tax": 1150.63, "total_of_payments": 21618.19, "finance_charge": 2057.56, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK374, VIN 4T1BD1FK4GU177712. $450 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $18,410, before any dealer documentation fee. Amount financed $19,561, including $1,151 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $21,618. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4T1BD1FK4GU177712_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 378, "unit": "per_month", "display": "$378/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18410.0, "price_incl_doc": 18410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 Toyota Camry \u2014 APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 378.07, "amount_financed": 19560.63, "sales_tax": 1150.63, "total_of_payments": 22684.25, "finance_charge": 3123.62, "per_1000_financed": 19.33, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK374, VIN 4T1BD1FK4GU177712. $378 per month for 60 months at 5.99% APR, $0 cash down. Advertised price $18,410, before any dealer documentation fee. Amount financed $19,561, including $1,151 estimated sales tax at 6.25%. That is $19.33 per $1,000 financed. Total of payments $22,684. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4T1BD1FK4GU177712_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 333, "unit": "per_month", "display": "$333/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18410.0, "price_incl_doc": 18410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 Toyota Camry \u2014 APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 333.4, "amount_financed": 19560.63, "sales_tax": 1150.63, "total_of_payments": 24004.47, "finance_charge": 4443.84, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK374, VIN 4T1BD1FK4GU177712. $333 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $18,410, before any dealer documentation fee. Amount financed $19,561, including $1,151 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $24,004. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPEES19VG009039_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1093, "unit": "per_month", "display": "$1,093/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPEES19VG009039_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 907, "unit": "per_month", "display": "$907/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44695.0, "price_incl_doc": 44695.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 906.87, "amount_financed": 47488.44, "sales_tax": 2793.44, "total_of_payments": 54411.91, "finance_charge": 6923.47, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270006, VIN 5XYPEES19VG009039. $907 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,695, before any dealer documentation fee. Amount financed $47,488, including $2,793 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,412. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPEES19VG009039_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 787, "unit": "per_month", "display": "$787/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44695.0, "price_incl_doc": 44695.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 786.8, "amount_financed": 47488.44, "sales_tax": 2793.44, "total_of_payments": 56649.34, "finance_charge": 9160.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270006, VIN 5XYPEES19VG009039. $787 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,695, before any dealer documentation fee. Amount financed $47,488, including $2,793 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,649. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 143}}, {"vin": "KNDER2AA3T7953859", "title": "2026 Kia Seltos EX", "year": 2026, "make": "Kia", "model": "Seltos", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 27257.0, "msrp": null, "sale_price": 27257.0, "currency": "USD", "mileage": 75000, "exterior_color": "Gravity Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260486", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260486, VIN KNDER2AA3T7953859. Advertised price: $27,257. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,257"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27257.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDER2AA3T7953859_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 667, "unit": "per_month", "display": "$667/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27257.0, "price_incl_doc": 27257.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 666.81, "amount_financed": 28960.56, "sales_tax": 1703.56, "total_of_payments": 32006.88, "finance_charge": 3046.32, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260486, VIN KNDER2AA3T7953859. $667 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $27,257, before any dealer documentation fee. Amount financed $28,961, including $1,704 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $32,007. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27257.0, "price_incl_doc": 27257.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.05, "amount_financed": 28960.56, "sales_tax": 1703.56, "total_of_payments": 33182.8, "finance_charge": 4222.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260486, VIN KNDER2AA3T7953859. $553 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,257, before any dealer documentation fee. Amount financed $28,961, including $1,704 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,183. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27257.0, "price_incl_doc": 27257.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 479.82, "amount_financed": 28960.56, "sales_tax": 1703.56, "total_of_payments": 34547.29, "finance_charge": 5586.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260486, VIN KNDER2AA3T7953859. $480 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,257, before any dealer documentation fee. Amount financed $28,961, including $1,704 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,547. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26722.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$21,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYRLDLC3NG159091_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21410.0, "price_incl_doc": 21410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.77, "amount_financed": 22748.13, "sales_tax": 1338.13, "total_of_payments": 25140.98, "finance_charge": 2392.85, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7855, VIN 5XYRLDLC3NG159091. $524 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $21,410, before any dealer documentation fee. Amount financed $22,748, including $1,338 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $25,141. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRLDLC3NG159091_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 434, "unit": "per_month", "display": "$434/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21410.0, "price_incl_doc": 21410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 434.41, "amount_financed": 22748.13, "sales_tax": 1338.13, "total_of_payments": 26064.64, "finance_charge": 3316.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7855, VIN 5XYRLDLC3NG159091. $434 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $21,410, before any dealer documentation fee. Amount financed $22,748, including $1,338 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $26,065. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYRLDLC3NG159091_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 377, "unit": "per_month", "display": "$377/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21410.0, "price_incl_doc": 21410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 376.89, "amount_financed": 22748.13, "sales_tax": 1338.13, "total_of_payments": 27136.43, "finance_charge": 4388.3, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7855, VIN 5XYRLDLC3NG159091. $377 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $21,410, before any dealer documentation fee. Amount financed $22,748, including $1,338 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $27,136. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 21, "elapsed_ms": 135}}, {"vin": "1C4RJHAG4PC560966", "title": "2023 Jeep Grand Cherokee Laredo", "year": 2023, "make": "Jeep", "model": "Grand Cherokee", "trim": "Laredo", "decoded_trim": "Laredo, Altitude", "condition": "used", "price": 26964.0, "msrp": null, "sale_price": 26964.0, "currency": "USD", "mileage": 5000, "exterior_color": "Diamond Black Crystal Pearlcoat", "interior_color": "Global Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "3.6L V-6", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS260404B", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 13, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/62e8e08dadcb4e888966ec25f1396916.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/62e8e08dadcb4e888966ec25f1396916.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9db2f4e5f8814f12ae3b853eee4b4a84.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cb68941e1b3e4c1884db0dee23ddf63d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/00209155ab3c49b3ba48e950dcc0eb6c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f941e774524748e6862024822ffde3ba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1da9ca88805c4416a88249d49b84300d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7d0f62b46023420ea7c3b6f05203a1d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cae151807d9843f498fdcd3be17ecd33.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3b41fdfe71ff410aa1ff443c5954baf1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3c218f5bdc664ad980242e074b2d113d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9d623a6ae4f54f1484e31f6643b41820.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c87e97bcdd5422e81869e985a9f04be.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c7126655264e4939b07468b7c3958999.jpg"], "vin_decode": {"make": "Jeep", "model": "Grand Cherokee", "year": 2023, "trim": "Laredo, Altitude", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.6L 6-Cylinder V-Shaped", "engine_displacement_l": 3.6, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1C4RJHAG4PC560966.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Jeep/2023-Jeep-Grand-Cherokee-3f86801dac1858fe65a8f852c2489ea9.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Jeep/2023-Jeep-Grand-Cherokee-3f86801dac1858fe65a8f852c2489ea9.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1C4RJHAG4PC560966.html", "json_url": "https://ai.castlekiamchenry.com/v/1C4RJHAG4PC560966.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1C4RJHAG4PC560966.md", "vdp_url": "https://www.castlekiamchenry.com/used/Jeep/2023-Jeep-Grand-Cherokee-3f86801dac1858fe65a8f852c2489ea9.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS260404B, VIN 1C4RJHAG4PC560966. Advertised price: $26,964. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,964"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26964.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4RJHAG4PC560966_finance_36", "type": "finance_36", "label": "Finance", "headline": {"value": 796, "unit": "per_month", "display": "$796/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26964.0, "price_incl_doc": 26964.0, "doc_fee": null, "down_payment": 0.0, "term": 36, "apr": 0.0, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 Jeep Grand Cherokee Limited 4x4 - National Stellantis Financial Services Standalone APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 795.81, "amount_financed": 28649.25, "sales_tax": 1685.25, "total_of_payments": 28649.25, "finance_charge": 0.0, "per_1000_financed": 27.78, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260404B, VIN 1C4RJHAG4PC560966. $796 per month for 36 months at 0% APR, $0 cash down. Advertised price $26,964, before any dealer documentation fee. Amount financed $28,649, including $1,685 estimated sales tax at 6.25%. That is $27.78 per $1,000 financed. Total of payments $28,649. 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See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJHAG4PC560966_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 460, "unit": "per_month", "display": "$460/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26964.0, "price_incl_doc": 26964.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 4.9, "tax_rate": 0.0625, "zip": "60050", "program_code": "2025 Jeep Grand Cherokee Limited 4x4 - National Stellantis Financial Services Standalone APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 460.07, "amount_financed": 28649.25, "sales_tax": 1685.25, "total_of_payments": 33124.79, "finance_charge": 4475.54, "per_1000_financed": 16.06, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260404B, VIN 1C4RJHAG4PC560966. $460 per month for 72 months at 4.9% APR, $0 cash down. Advertised price $26,964, before any dealer documentation fee. Amount financed $28,649, including $1,685 estimated sales tax at 6.25%. That is $16.06 per $1,000 financed. Total of payments $33,125. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 2, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 154}}, {"vin": "1GT49WEYXRF288273", "title": "2024 GMC Sierra 3500HD Denali", "year": 2024, "make": "GMC", "model": "Sierra 3500HD", "trim": "Denali", "decoded_trim": "Denali", "condition": "used", "price": 75203.0, "msrp": null, "sale_price": 75203.0, "currency": "USD", "mileage": 0, "exterior_color": "Onyx Black", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Diesel", "doors": null, "seating_capacity": null, "engine": "6.6L V-8 Diesel", "engine_displacement_l": 6.6, "engine_cylinders": 8, "transmission": "10-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260470A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 11, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/1ec8727e350b4e1fa6cef0363a89b853.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/1ec8727e350b4e1fa6cef0363a89b853.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3014bc4ef23743c99203b25b7baf6de9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66fa035fe2c24b74ab67a53d6e01b6f1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e072ce1ba48443f78e68201ce2d69174.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6b2f2413c96f417fabd05be995f50a61.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0c1e00c4891f4a8ca65f79f494c6c159.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b178cdbeb3aa46f98dd9120cef17e58e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b5a73fc1035a4f7cac538f1ce6d7bfc0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd09410a66654555a9f71bb1e5eb4d36.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e0aebf8d8d9c495085d70e050ed0d6ab.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd36725353db40e98bc6364080e113ab.jpg"], "vin_decode": {"make": "Gmc", "model": "Sierra HD", "year": 2024, "trim": "Denali", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "6.6L 8-Cylinder V-Shaped", "engine_displacement_l": 6.6, "cylinders": 8, "drive_type": "4WD", "fuel_type": "Diesel", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1GT49WEYXRF288273.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/GMC/2024-GMC-Sierra-3500HD-45f479adac18541152113ed6e3f49091.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/GMC/2024-GMC-Sierra-3500HD-45f479adac18541152113ed6e3f49091.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1GT49WEYXRF288273.html", "json_url": "https://ai.castlekiamchenry.com/v/1GT49WEYXRF288273.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1GT49WEYXRF288273.md", "vdp_url": "https://www.castlekiamchenry.com/used/GMC/2024-GMC-Sierra-3500HD-45f479adac18541152113ed6e3f49091.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #M260470A, VIN 1GT49WEYXRF288273. Advertised price: $75,203. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$75,203"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 75203.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GT49WEYXRF288273_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1840, "unit": "per_month", "display": "$1,840/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 75203.0, "price_incl_doc": 75203.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1839.75, "amount_financed": 79903.19, "sales_tax": 4700.19, "total_of_payments": 88308.1, "finance_charge": 8404.91, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260470A, VIN 1GT49WEYXRF288273. $1,840 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $75,203, before any dealer documentation fee. Amount financed $79,903, including $4,700 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $88,308. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT49WEYXRF288273_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1526, "unit": "per_month", "display": "$1,526/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 75203.0, "price_incl_doc": 75203.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1525.88, "amount_financed": 79903.19, "sales_tax": 4700.19, "total_of_payments": 91552.5, "finance_charge": 11649.31, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260470A, VIN 1GT49WEYXRF288273. $1,526 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $75,203, before any dealer documentation fee. Amount financed $79,903, including $4,700 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $91,552. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GT49WEYXRF288273_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1324, "unit": "per_month", "display": "$1,324/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 75203.0, "price_incl_doc": 75203.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1323.85, "amount_financed": 79903.19, "sales_tax": 4700.19, "total_of_payments": 95317.16, "finance_charge": 15413.97, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260470A, VIN 1GT49WEYXRF288273. $1,324 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $75,203, before any dealer documentation fee. Amount financed $79,903, including $4,700 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $95,317. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 27, "elapsed_ms": 153}}, {"vin": "KL79MPS22NB121169", "title": "2022 Chevrolet Trailblazer LT", "year": 2022, "make": "Chevrolet", "model": "Trailblazer", "trim": "LT", "decoded_trim": "LT", "condition": "used", "price": 18910.0, "msrp": null, "sale_price": 18910.0, "currency": "USD", "mileage": 4200, "exterior_color": "Mahogany Red Metallic", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "1.2L Other", "engine_displacement_l": 1.2, "engine_cylinders": 3, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MC260616A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Chevrolet", "model": "Trailblazer", "year": 2022, "trim": "LT", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.2L 3-Cylinder In-Line", "engine_displacement_l": 1.2, "cylinders": 3, "drive_type": "FWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/KL79MPS22NB121169.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2022-Chevrolet-Trailblazer-5e96569bac184bdbc270439561060711.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2022-Chevrolet-Trailblazer-5e96569bac184bdbc270439561060711.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/KL79MPS22NB121169.html", "json_url": "https://ai.castlekiamchenry.com/v/KL79MPS22NB121169.json", "markdown_url": "https://ai.castlekiamchenry.com/v/KL79MPS22NB121169.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2022-Chevrolet-Trailblazer-5e96569bac184bdbc270439561060711.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MC260616A, VIN KL79MPS22NB121169. Advertised price: $18,910. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$18,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 18910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KL79MPS22NB121169_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 463, "unit": "per_month", "display": "$463/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18910.0, "price_incl_doc": 18910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 462.61, "amount_financed": 20091.88, "sales_tax": 1181.88, "total_of_payments": 22205.32, "finance_charge": 2113.44, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260616A, VIN KL79MPS22NB121169. $463 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $18,910, before any dealer documentation fee. Amount financed $20,092, including $1,182 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $22,205. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KL79MPS22NB121169_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 384, "unit": "per_month", "display": "$384/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18910.0, "price_incl_doc": 18910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 383.69, "amount_financed": 20091.88, "sales_tax": 1181.88, "total_of_payments": 23021.13, "finance_charge": 2929.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260616A, VIN KL79MPS22NB121169. $384 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $18,910, before any dealer documentation fee. Amount financed $20,092, including $1,182 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $23,021. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KL79MPS22NB121169_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 333, "unit": "per_month", "display": "$333/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18910.0, "price_incl_doc": 18910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 332.89, "amount_financed": 20091.88, "sales_tax": 1181.88, "total_of_payments": 23967.77, "finance_charge": 3875.89, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260616A, VIN KL79MPS22NB121169. $333 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $18,910, before any dealer documentation fee. Amount financed $20,092, including $1,182 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $23,968. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 21, "elapsed_ms": 128}}, {"vin": "4S3BWAD6XS3029759", "title": "2025 Subaru Legacy Premium", "year": 2025, "make": "Subaru", "model": "Legacy", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 28508.0, "msrp": null, "sale_price": 28508.0, "currency": "USD", "mileage": 25000, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Slate Black", "drivetrain": "Drivetrain", "body_style": "Sedan", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L i-4", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Lineartronic CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MS250844", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": null, "primary_image": null, "images": [], "vin_decode": {"make": "Subaru", "model": "Legacy", "year": 2025, "trim": "Premium", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/4S3BWAD6XS3029759.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Legacy-bda1603bac1842a790ae0d8a57054afe.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Legacy-bda1603bac1842a790ae0d8a57054afe.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/4S3BWAD6XS3029759.html", "json_url": "https://ai.castlekiamchenry.com/v/4S3BWAD6XS3029759.json", "markdown_url": "https://ai.castlekiamchenry.com/v/4S3BWAD6XS3029759.md", "vdp_url": "https://www.castlekiamchenry.com/certified/Subaru/2025-Subaru-Legacy-bda1603bac1842a790ae0d8a57054afe.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MS250844, VIN 4S3BWAD6XS3029759. Advertised price: $28,508. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,508"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28508.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S3BWAD6XS3029759_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 697, "unit": "per_month", "display": "$697/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28508.0, "price_incl_doc": 28508.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 697.41, "amount_financed": 30289.75, "sales_tax": 1781.75, "total_of_payments": 33475.89, "finance_charge": 3186.14, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS250844, VIN 4S3BWAD6XS3029759. $697 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $28,508, before any dealer documentation fee. Amount financed $30,290, including $1,782 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $33,476. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S3BWAD6XS3029759_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 578, "unit": "per_month", "display": "$578/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28508.0, "price_incl_doc": 28508.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 578.43, "amount_financed": 30289.75, "sales_tax": 1781.75, "total_of_payments": 34705.78, "finance_charge": 4416.03, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS250844, VIN 4S3BWAD6XS3029759. $578 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,508, before any dealer documentation fee. Amount financed $30,290, including $1,782 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $34,706. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S3BWAD6XS3029759_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 502, "unit": "per_month", "display": "$502/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28508.0, "price_incl_doc": 28508.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 501.85, "amount_financed": 30289.75, "sales_tax": 1781.75, "total_of_payments": 36132.89, "finance_charge": 5843.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS250844, VIN 4S3BWAD6XS3029759. $502 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,508, before any dealer documentation fee. Amount financed $30,290, including $1,782 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,133. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25912.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMARDXN3418822_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25912.0, "price_incl_doc": 25912.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 633.91, "amount_financed": 27531.5, "sales_tax": 1619.5, "total_of_payments": 30427.5, "finance_charge": 2896.0, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260246A, VIN 4S4WMARDXN3418822. $634 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $25,912, before any dealer documentation fee. Amount financed $27,532, including $1,620 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $30,428. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMARDXN3418822_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 526, "unit": "per_month", "display": "$526/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25912.0, "price_incl_doc": 25912.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 525.76, "amount_financed": 27531.5, "sales_tax": 1619.5, "total_of_payments": 31545.39, "finance_charge": 4013.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260246A, VIN 4S4WMARDXN3418822. $526 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,912, before any dealer documentation fee. Amount financed $27,532, including $1,620 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,545. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMARDXN3418822_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 456, "unit": "per_month", "display": "$456/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25912.0, "price_incl_doc": 25912.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 456.15, "amount_financed": 27531.5, "sales_tax": 1619.5, "total_of_payments": 32842.55, "finance_charge": 5311.05, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260246A, VIN 4S4WMARDXN3418822. $456 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,912, before any dealer documentation fee. Amount financed $27,532, including $1,620 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,843. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30279.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHL69S3778182_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 741, "unit": "per_month", "display": "$741/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30279.0, "price_incl_doc": 30279.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 740.74, "amount_financed": 32171.44, "sales_tax": 1892.44, "total_of_payments": 35555.51, "finance_charge": 3384.07, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL111, VIN 4S4GUHL69S3778182. $741 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,279, before any dealer documentation fee. Amount financed $32,171, including $1,892 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $35,556. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHL69S3778182_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30279.0, "price_incl_doc": 30279.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 614.36, "amount_financed": 32171.44, "sales_tax": 1892.44, "total_of_payments": 36861.8, "finance_charge": 4690.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL111, VIN 4S4GUHL69S3778182. $614 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,279, before any dealer documentation fee. Amount financed $32,171, including $1,892 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,862. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHL69S3778182_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 533, "unit": "per_month", "display": "$533/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30279.0, "price_incl_doc": 30279.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 533.02, "amount_financed": 32171.44, "sales_tax": 1892.44, "total_of_payments": 38377.57, "finance_charge": 6206.13, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL111, VIN 4S4GUHL69S3778182. $533 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,279, before any dealer documentation fee. Amount financed $32,171, including $1,892 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,378. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$20,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 20410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYP34HC4MG135168_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 499, "unit": "per_month", "display": "$499/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20410.0, "price_incl_doc": 20410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 499.31, "amount_financed": 21685.63, "sales_tax": 1275.63, "total_of_payments": 23966.71, "finance_charge": 2281.08, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270073A, VIN 5XYP34HC4MG135168. $499 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $20,410, before any dealer documentation fee. Amount financed $21,686, including $1,276 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $23,967. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYP34HC4MG135168_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 414, "unit": "per_month", "display": "$414/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20410.0, "price_incl_doc": 20410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 414.12, "amount_financed": 21685.63, "sales_tax": 1275.63, "total_of_payments": 24847.24, "finance_charge": 3161.61, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270073A, VIN 5XYP34HC4MG135168. $414 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $20,410, before any dealer documentation fee. Amount financed $21,686, including $1,276 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $24,847. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35410.0, "price_incl_doc": 35410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 866.26, "amount_financed": 37623.13, "sales_tax": 2213.13, "total_of_payments": 41580.66, "finance_charge": 3957.53, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK240815, VIN 5XYRHDJF5RG307441. $866 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $35,410, before any dealer documentation fee. Amount financed $37,623, including $2,213 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $41,581. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 81803.0, "price_incl_doc": 81803.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 2001.21, "amount_financed": 86915.69, "sales_tax": 5112.69, "total_of_payments": 96058.24, "finance_charge": 9142.55, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7393, VIN JALE5W160P7303034. $2,001 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $81,803, before any dealer documentation fee. Amount financed $86,916, including $5,113 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $96,058. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JALE5W160P7303034_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1660, "unit": "per_month", "display": "$1,660/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 81803.0, "price_incl_doc": 81803.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1659.79, "amount_financed": 86915.69, "sales_tax": 5112.69, "total_of_payments": 99587.37, "finance_charge": 12671.68, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7393, VIN JALE5W160P7303034. $1,660 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $81,803, before any dealer documentation fee. Amount financed $86,916, including $5,113 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $99,587. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JALE5W160P7303034_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1440, "unit": "per_month", "display": "$1,440/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 81803.0, "price_incl_doc": 81803.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1440.03, "amount_financed": 86915.69, "sales_tax": 5112.69, "total_of_payments": 103682.43, "finance_charge": 16766.74, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7393, VIN JALE5W160P7303034. $1,440 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $81,803, before any dealer documentation fee. Amount financed $86,916, including $5,113 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $103,682. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 137}}, {"vin": "5FNYF6H81NB021219", "title": "2022 Honda Pilot TrailSport", "year": 2022, "make": "Honda", "model": "Pilot", "trim": "TrailSport", "decoded_trim": "TRAILSPORT", "condition": "used", "price": 30203.0, "msrp": null, "sale_price": 30203.0, "currency": "USD", "mileage": 106000, "exterior_color": "Sonic Gray Pearl", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "3.5L V-6", "engine_displacement_l": 3.5, "engine_cylinders": 6, "transmission": "9-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MC260727A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/78f0bfb3e6a6461b9db4854f76de14fb.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/78f0bfb3e6a6461b9db4854f76de14fb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6cf44a09ccf24f7f8ed476e4b21aa4a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/68b11f0729204d528cbba035315a21a1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/edd3fc0acf86451ba64fd984a5d0ec78.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3a762c49e71048e29035b1800256b30c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/16f77d0a5cfb4aee87ed12341fe10d72.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e145db1f40a4420bb4c5700f1a359fe6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9de743d08fb44427965ed155a04c9208.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/676ec581eddb46a9b60229e9f1632a2e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/68b0cd23753b4d3bb10352ddfe3aa641.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a166144cdafc43a0ba30ba8c77c097db.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/870f87557f1c4f839013ab442149d093.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d4f300ad78f416d9ac74d980ffb61c6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d948246a3e384adca1f32e868c896fba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2bea7bf1b6e247e0846b4b2d97382fc7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5bc5a92f8f9e44bcb4bf11d41129e437.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c77107dc75fc400ca3d166ee765cab59.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5d8aec45a71b4941bed4976f7f185d77.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5800f8e5c48443f3aafab3a6111fff97.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8b56b623094946f68f9f289d56cb876d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9b50004515864580bfbef5c63602c9af.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8edb7b8e8e0046abafd0f1d9dc6bb89a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/12114bfc92a5403c8c09d45f23ee5064.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dfab0dd5ef854ef1bd144db434a4b863.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2d19331b63f4845ad81f12830984b0c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9534aa5569b54f209a1d654aca52436e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/183ae13becfb420ebc0b809d1c650512.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/936058974fcb4b599f6c98c06c05eae4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a994a5229165441b903cd7b1d924bc5f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/daff485d9ee644a2b47e658c3ef6b769.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/880a80ea083149fbbea1b6f0a48d1807.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/832473f3d35a416c85685345615b0123.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/651772b5f7fb4c8a8dd32e2bc5e9f19d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1ca0a14f5dd94b77bd291be46213704b.jpg"], "vin_decode": {"make": "Honda", "model": "Pilot", "year": 2022, "trim": "TRAILSPORT", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L 6-Cylinder V-Shaped", "engine_displacement_l": 3.5, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": null, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2022-Honda-Pilot-2af133bbac182cb3bb801ee46eafd5d9.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Honda/2022-Honda-Pilot-2af133bbac182cb3bb801ee46eafd5d9.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5FNYF6H81NB021219.html", "json_url": "https://ai.castlekiamchenry.com/v/5FNYF6H81NB021219.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5FNYF6H81NB021219.md", "vdp_url": "https://www.castlekiamchenry.com/used/Honda/2022-Honda-Pilot-2af133bbac182cb3bb801ee46eafd5d9.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MC260727A, VIN 5FNYF6H81NB021219. Advertised price: $30,203. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,203"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30203.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5FNYF6H81NB021219_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 739, "unit": "per_month", "display": "$739/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30203.0, "price_incl_doc": 30203.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 738.88, "amount_financed": 32090.69, "sales_tax": 1887.69, "total_of_payments": 35466.27, "finance_charge": 3375.58, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260727A, VIN 5FNYF6H81NB021219. $739 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $30,203, before any dealer documentation fee. Amount financed $32,091, including $1,888 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $35,466. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5FNYF6H81NB021219_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 613, "unit": "per_month", "display": "$613/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30203.0, "price_incl_doc": 30203.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 612.82, "amount_financed": 32090.69, "sales_tax": 1887.69, "total_of_payments": 36769.28, "finance_charge": 4678.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260727A, VIN 5FNYF6H81NB021219. $613 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,203, before any dealer documentation fee. Amount financed $32,091, including $1,888 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,769. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5FNYF6H81NB021219_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30203.0, "price_incl_doc": 30203.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 531.68, "amount_financed": 32090.69, "sales_tax": 1887.69, "total_of_payments": 38281.24, "finance_charge": 6190.55, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260727A, VIN 5FNYF6H81NB021219. $532 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,203, before any dealer documentation fee. Amount financed $32,091, including $1,888 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,281. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$12,103"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 12103.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1HGCP3F88BA022088_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 296, "unit": "per_month", "display": "$296/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12103.0, "price_incl_doc": 12103.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 245.57, "amount_financed": 12859.44, "sales_tax": 756.44, "total_of_payments": 14734.25, "finance_charge": 1874.81, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2484A, VIN 1HGCP3F88BA022088. $246 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $12,103, before any dealer documentation fee. Amount financed $12,859, including $756 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $14,734. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12103.0, "price_incl_doc": 12103.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 213.06, "amount_financed": 12859.44, "sales_tax": 756.44, "total_of_payments": 15340.13, "finance_charge": 2480.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2484A, VIN 1HGCP3F88BA022088. $213 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $12,103, before any dealer documentation fee. Amount financed $12,859, including $756 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $15,340. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42410.0, "price_incl_doc": 42410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 860.5, "amount_financed": 45060.63, "sales_tax": 2650.63, "total_of_payments": 51630.15, "finance_charge": 6569.52, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260743B, VIN 1GC4YME71NF132504. $860 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,410, before any dealer documentation fee. Amount financed $45,061, including $2,651 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,630. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GYS4GKLXRR176103_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 2097, "unit": "per_month", "display": "$2,097/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 85712.0, "price_incl_doc": 85712.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 2096.84, "amount_financed": 91069.0, "sales_tax": 5357.0, "total_of_payments": 100648.43, "finance_charge": 9579.43, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260309A, VIN 1GYS4GKLXRR176103. $2,097 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $85,712, before any dealer documentation fee. Amount financed $91,069, including $5,357 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $100,648. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYS4GKLXRR176103_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1739, "unit": "per_month", "display": "$1,739/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 85712.0, "price_incl_doc": 85712.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1739.1, "amount_financed": 91069.0, "sales_tax": 5357.0, "total_of_payments": 104346.21, "finance_charge": 13277.21, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260309A, VIN 1GYS4GKLXRR176103. $1,739 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $85,712, before any dealer documentation fee. Amount financed $91,069, including $5,357 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $104,346. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYS4GKLXRR176103_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1509, "unit": "per_month", "display": "$1,509/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 85712.0, "price_incl_doc": 85712.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1508.85, "amount_financed": 91069.0, "sales_tax": 5357.0, "total_of_payments": 108636.95, "finance_charge": 17567.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260309A, VIN 1GYS4GKLXRR176103. $1,509 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $85,712, before any dealer documentation fee. Amount financed $91,069, including $5,357 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $108,637. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-d741e2c0ac182d6e573aace2f1c9dfe0.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYPLESA8VG031829.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYPLESA8VG031829.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYPLESA8VG031829.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2027-Kia-Telluride-Hybrid-d741e2c0ac182d6e573aace2f1c9dfe0.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$59,873"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 59873.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYPLESA8VG031829_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1465, "unit": "per_month", "display": "$1,465/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59873.0, "price_incl_doc": 59873.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1464.72, "amount_financed": 63615.06, "sales_tax": 3742.06, "total_of_payments": 70306.64, "finance_charge": 6691.58, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270087, VIN 5XYPLESA8VG031829. $1,465 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $59,873, before any dealer documentation fee. Amount financed $63,615, including $3,742 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $70,307. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA8VG031829_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1215, "unit": "per_month", "display": "$1,215/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59873.0, "price_incl_doc": 59873.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1214.83, "amount_financed": 63615.06, "sales_tax": 3742.06, "total_of_payments": 72889.68, "finance_charge": 9274.62, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270087, VIN 5XYPLESA8VG031829. $1,215 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $59,873, before any dealer documentation fee. Amount financed $63,615, including $3,742 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $72,890. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPLESA8VG031829_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1054, "unit": "per_month", "display": "$1,054/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59873.0, "price_incl_doc": 59873.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1053.98, "amount_financed": 63615.06, "sales_tax": 3742.06, "total_of_payments": 75886.92, "finance_charge": 12271.86, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270087, VIN 5XYPLESA8VG031829. $1,054 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $59,873, before any dealer documentation fee. Amount financed $63,615, including $3,742 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $75,887. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPVDDG3T7351592_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 707, "unit": "per_month", "display": "$707/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34854.0, "price_incl_doc": 34854.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.19, "amount_financed": 37032.38, "sales_tax": 2178.38, "total_of_payments": 42431.43, "finance_charge": 5399.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260421, VIN KNDPVDDG3T7351592. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,854, before any dealer documentation fee. Amount financed $37,032, including $2,178 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,431. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPVDDG3T7351592_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 614, "unit": "per_month", "display": "$614/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34854.0, "price_incl_doc": 34854.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 613.56, "amount_financed": 37032.38, "sales_tax": 2178.38, "total_of_payments": 44176.23, "finance_charge": 7143.85, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260421, VIN KNDPVDDG3T7351592. $614 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,854, before any dealer documentation fee. Amount financed $37,032, including $2,178 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,176. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34706.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34706.0, "price_incl_doc": 34706.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 610.95, "amount_financed": 36875.13, "sales_tax": 2169.13, "total_of_payments": 43988.64, "finance_charge": 7113.51, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260315, VIN KNDPVDDG6T7328243. $611 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,706, before any dealer documentation fee. Amount financed $36,875, including $2,169 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,989. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 84}}, {"vin": "5XYK6CDF7TG393937", "title": "2026 Kia Sportage X\\-Line", "year": 2026, "make": "Kia", "model": "Sportage", "trim": "X\\-Line", "decoded_trim": "X-LINE", "condition": "used", "price": 34159.0, "msrp": null, "sale_price": 34159.0, "currency": "USD", "mileage": 1350, "exterior_color": "Ebony Black", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2.5L I4", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260195", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, 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window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-be2f39a3ac180302593716fc9bf67065.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/5XYK6CDF7TG393937.html", "json_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF7TG393937.json", "markdown_url": "https://ai.castlekiamchenry.com/v/5XYK6CDF7TG393937.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-Sportage-be2f39a3ac180302593716fc9bf67065.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260195, VIN 5XYK6CDF7TG393937. Advertised price: $34,159. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,159"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34159.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK6CDF7TG393937_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 836, "unit": "per_month", "display": "$836/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34159.0, "price_incl_doc": 34159.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 835.66, "amount_financed": 36293.94, "sales_tax": 2134.94, "total_of_payments": 40111.65, "finance_charge": 3817.71, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260195, VIN 5XYK6CDF7TG393937. $836 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $34,159, before any dealer documentation fee. Amount financed $36,294, including $2,135 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $40,112. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF7TG393937_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 693, "unit": "per_month", "display": "$693/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34159.0, "price_incl_doc": 34159.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 693.09, "amount_financed": 36293.94, "sales_tax": 2134.94, "total_of_payments": 41585.34, "finance_charge": 5291.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260195, VIN 5XYK6CDF7TG393937. $693 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,159, before any dealer documentation fee. Amount financed $36,294, including $2,135 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,585. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYK6CDF7TG393937_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 601, "unit": "per_month", "display": "$601/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34159.0, "price_incl_doc": 34159.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 601.32, "amount_financed": 36293.94, "sales_tax": 2134.94, "total_of_payments": 43295.33, "finance_charge": 7001.39, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260195, VIN 5XYK6CDF7TG393937. $601 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,159, before any dealer documentation fee. Amount financed $36,294, including $2,135 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,295. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26978.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50026.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50026.0, "price_incl_doc": 50026.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1223.83, "amount_financed": 53152.63, "sales_tax": 3126.63, "total_of_payments": 58743.68, "finance_charge": 5591.05, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260600, VIN KNDNE5KA4T6135946. $1,224 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $50,026, before any dealer documentation fee. Amount financed $53,153, including $3,127 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $58,744. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNE5KA4T6135946_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1015, "unit": "per_month", "display": "$1,015/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50026.0, "price_incl_doc": 50026.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1015.03, "amount_financed": 53152.63, "sales_tax": 3126.63, "total_of_payments": 60901.9, "finance_charge": 7749.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260600, VIN KNDNE5KA4T6135946. $1,015 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $50,026, before any dealer documentation fee. Amount financed $53,153, including $3,127 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $60,902. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDNE5KA4T6135946_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 881, "unit": "per_month", "display": "$881/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50026.0, "price_incl_doc": 50026.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 880.64, "amount_financed": 53152.63, "sales_tax": 3126.63, "total_of_payments": 63406.2, "finance_charge": 10253.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260600, VIN KNDNE5KA4T6135946. $881 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $50,026, before any dealer documentation fee. Amount financed $53,153, including $3,127 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $63,406. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 53625.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNE5KA9T6184673_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1312, "unit": "per_month", "display": "$1,312/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53625.0, "price_incl_doc": 53625.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1311.87, "amount_financed": 56976.56, "sales_tax": 3351.56, "total_of_payments": 62969.85, "finance_charge": 5993.29, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260591, VIN KNDNE5KA9T6184673. $1,312 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $53,625, before any dealer documentation fee. Amount financed $56,977, including $3,352 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $62,970. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53625.0, "price_incl_doc": 53625.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1088.06, "amount_financed": 56976.56, "sales_tax": 3351.56, "total_of_payments": 65283.33, "finance_charge": 8306.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260591, VIN KNDNE5KA9T6184673. $1,088 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $53,625, before any dealer documentation fee. Amount financed $56,977, including $3,352 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $65,283. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53625.0, "price_incl_doc": 53625.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 944.0, "amount_financed": 56976.56, "sales_tax": 3351.56, "total_of_payments": 67967.8, "finance_charge": 10991.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260591, VIN KNDNE5KA9T6184673. $944 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $53,625, before any dealer documentation fee. Amount financed $56,977, including $3,352 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $67,968. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38981.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38981.0, "price_incl_doc": 38981.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 790.93, "amount_financed": 41417.31, "sales_tax": 2436.31, "total_of_payments": 47455.66, "finance_charge": 6038.35, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260579, VIN KNDNB5K33T6648809. $791 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,981, before any dealer documentation fee. Amount financed $41,417, including $2,436 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,456. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 15884.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5TDDK3DC8ES088611_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 389, "unit": "per_month", "display": "$389/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15884.0, "price_incl_doc": 15884.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 388.58, "amount_financed": 16876.75, "sales_tax": 992.75, "total_of_payments": 18651.99, "finance_charge": 1775.24, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260231A, VIN 5TDDK3DC8ES088611. $389 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $15,884, before any dealer documentation fee. Amount financed $16,877, including $993 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $18,652. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5TDDK3DC8ES088611_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 322, "unit": "per_month", "display": "$322/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15884.0, "price_incl_doc": 15884.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 322.29, "amount_financed": 16876.75, "sales_tax": 992.75, "total_of_payments": 19337.26, "finance_charge": 2460.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260231A, VIN 5TDDK3DC8ES088611. $322 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $15,884, before any dealer documentation fee. Amount financed $16,877, including $993 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $19,337. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5TDDK3DC8ES088611_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 280, "unit": "per_month", "display": "$280/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15884.0, "price_incl_doc": 15884.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 279.62, "amount_financed": 16876.75, "sales_tax": 992.75, "total_of_payments": 20132.41, "finance_charge": 3255.66, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260231A, VIN 5TDDK3DC8ES088611. $280 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $15,884, before any dealer documentation fee. Amount financed $16,877, including $993 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $20,132. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48165.0, "price_incl_doc": 48165.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1178.3, "amount_financed": 51175.31, "sales_tax": 3010.31, "total_of_payments": 56558.37, "finance_charge": 5383.06, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270088, VIN 5XYPCES1XVG039463. $1,178 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $48,165, before any dealer documentation fee. Amount financed $51,175, including $3,010 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $56,558. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPCES1XVG039463_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 977, "unit": "per_month", "display": "$977/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48165.0, "price_incl_doc": 48165.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 977.27, "amount_financed": 51175.31, "sales_tax": 3010.31, "total_of_payments": 58636.3, "finance_charge": 7460.99, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270088, VIN 5XYPCES1XVG039463. $977 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,165, before any dealer documentation fee. Amount financed $51,175, including $3,010 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,636. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYPCES1XVG039463_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 848, "unit": "per_month", "display": "$848/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48165.0, "price_incl_doc": 48165.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 847.88, "amount_financed": 51175.31, "sales_tax": 3010.31, "total_of_payments": 61047.44, "finance_charge": 9872.13, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270088, VIN 5XYPCES1XVG039463. $848 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,165, before any dealer documentation fee. Amount financed $51,175, including $3,010 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,047. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 50}}, {"vin": "KNDERCAA0T7932487", "title": "2026 Kia Seltos EX", "year": 2026, "make": "Kia", "model": "Seltos", "trim": "EX", "decoded_trim": "EX", "condition": "used", "price": 29632.0, "msrp": null, "sale_price": 29632.0, "currency": "USD", "mileage": 75000, "exterior_color": "Steel Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 5, "seating_capacity": null, "engine": "2L I4 MPI", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "CVT", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260374", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,632"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29632.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDERCAA0T7932487_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 725, "unit": "per_month", "display": "$725/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29632.0, "price_incl_doc": 29632.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 724.91, "amount_financed": 31484.0, "sales_tax": 1852.0, "total_of_payments": 34795.76, "finance_charge": 3311.76, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260374, VIN KNDERCAA0T7932487. $725 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $29,632, before any dealer documentation fee. Amount financed $31,484, including $1,852 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $34,796. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29632.0, "price_incl_doc": 29632.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 521.63, "amount_financed": 31484.0, "sales_tax": 1852.0, "total_of_payments": 37557.52, "finance_charge": 6073.52, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260374, VIN KNDERCAA0T7932487. $522 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,632, before any dealer documentation fee. Amount financed $31,484, including $1,852 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,558. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2d8409ac180302593716fc30f7342b.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3KPFT4DE2TE355522.html", "json_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE2TE355522.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3KPFT4DE2TE355522.md", "vdp_url": "https://www.castlekiamchenry.com/new/Kia/2026-Kia-K4-be2d8409ac180302593716fc30f7342b.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23866.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.85, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 28024.97, "finance_charge": 2667.34, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260617, VIN 3KPFT4DE2TE355522. $584 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $28,025. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE2TE355522_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23866.0, "price_incl_doc": 23866.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.24, "amount_financed": 25357.63, "sales_tax": 1491.63, "total_of_payments": 29054.59, "finance_charge": 3696.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260617, VIN 3KPFT4DE2TE355522. $484 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $23,866, before any dealer documentation fee. Amount financed $25,358, including $1,492 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $29,055. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20993.0, "price_incl_doc": 20993.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 513.57, "amount_financed": 22305.06, "sales_tax": 1312.06, "total_of_payments": 24651.3, "finance_charge": 2346.24, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK251078, VIN 3KPFT4DE7SE217750. $514 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $20,993, before any dealer documentation fee. Amount financed $22,305, including $1,312 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $24,651. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE7SE217750_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 426, "unit": "per_month", "display": "$426/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20993.0, "price_incl_doc": 20993.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.95, "amount_financed": 22305.06, "sales_tax": 1312.06, "total_of_payments": 25556.98, "finance_charge": 3251.92, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK251078, VIN 3KPFT4DE7SE217750. $426 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $20,993, before any dealer documentation fee. Amount financed $22,305, including $1,312 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $25,557. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3KPFT4DE7SE217750_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 370, "unit": "per_month", "display": "$370/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20993.0, "price_incl_doc": 20993.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 369.55, "amount_financed": 22305.06, "sales_tax": 1312.06, "total_of_payments": 26607.89, "finance_charge": 4302.83, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK251078, VIN 3KPFT4DE7SE217750. $370 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $20,993, before any dealer documentation fee. Amount financed $22,305, including $1,312 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $26,608. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 57}}, {"vin": "1FMCU9G92GUA45109", "title": "2016 Ford Escape SE", "year": 2016, "make": "Ford", "model": "Escape", "trim": "SE", "decoded_trim": "SE", "condition": "used", "price": 12184.0, "msrp": null, "sale_price": 12184.0, "currency": "USD", "mileage": 66939, "exterior_color": "White Platinum Metallic Tri-Coat", "interior_color": "Charcoal Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2L i-4 Ecoboost", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270035B", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 29, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/381676733d6f4cfe9ab80d478c558c67.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/381676733d6f4cfe9ab80d478c558c67.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2a6dd6fcf2f44c63b9ec4b0471498199.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/98d318e89fb5427b812a9ddbf824483a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/05dc9834e6844985ae58dd2417cc06fe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e07a99e1b7cc43a9a95acd1f20bfdfb2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/17991335f2b746a09b95da5a78ad408d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d5cd436545284ba787db4f93295d6d54.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3dccc61e15984feba73fcfca1f4aa52e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1de833f05b354692a7804bdc3da4f7f1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/26b9d6e88a684f7897bcfeee0947b779.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cb81613fefb14beba095d35d7b928f08.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/801d02e886af4d25b098f4c2cd868aed.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4728a89eee3442e0bbd2e340b0f2b02c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/15b7bde3aae249b7b46542b85bd58552.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b99c4918e97946049c9d9f9380fab261.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2dbb54c2899f479eb67b4141014f49b8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9e872f214557453d8dbd153266449003.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a7d92380e7a84a96904498790bf3969d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9f19c28dd0f44c5c8c7b4a61a99c3583.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/afd35af61a9249dab73265acf4c85b64.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/efb8fa07792d46c89a9623515cdba84e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5130f31860344f29a059997b572e50d2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/748ecd73e5814080a47334091a4eb146.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f432a4580cad47fc85790989d8158c7b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1af6b224efec422cabeef23173c46a03.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a2f01103497741eba59b7030b0ed194e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/de1ec53ad154420a8f9a62784f1822c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d84d7e38028543989a2fef3560b38413.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9ca2c000290e4abb8d32fc18c14687a7.jpg"], "vin_decode": {"make": "Ford", "model": "Escape", "year": 2016, "trim": "SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.0L 4-Cylinder In-Line", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1FMCU9G92GUA45109.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2016-Ford-Escape-3ba7e074ac182d12aed28c6600c93c5c.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Ford/2016-Ford-Escape-3ba7e074ac182d12aed28c6600c93c5c.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1FMCU9G92GUA45109.html", "json_url": "https://ai.castlekiamchenry.com/v/1FMCU9G92GUA45109.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1FMCU9G92GUA45109.md", "vdp_url": "https://www.castlekiamchenry.com/used/Ford/2016-Ford-Escape-3ba7e074ac182d12aed28c6600c93c5c.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK270035B, VIN 1FMCU9G92GUA45109. Advertised price: $12,184. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$12,184"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 12184.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FMCU9G92GUA45109_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 298, "unit": "per_month", "display": "$298/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12184.0, "price_incl_doc": 12184.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 298.07, "amount_financed": 12945.5, "sales_tax": 761.5, "total_of_payments": 14307.22, "finance_charge": 1361.72, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270035B, VIN 1FMCU9G92GUA45109. $298 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $12,184, before any dealer documentation fee. Amount financed $12,946, including $762 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $14,307. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FMCU9G92GUA45109_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 247, "unit": "per_month", "display": "$247/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12184.0, "price_incl_doc": 12184.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 247.21, "amount_financed": 12945.5, "sales_tax": 761.5, "total_of_payments": 14832.86, "finance_charge": 1887.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270035B, VIN 1FMCU9G92GUA45109. $247 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $12,184, before any dealer documentation fee. Amount financed $12,946, including $762 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $14,833. Offer expires 2026-07-31. Estimated for ZIP 60050. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12184.0, "price_incl_doc": 12184.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 214.48, "amount_financed": 12945.5, "sales_tax": 761.5, "total_of_payments": 15442.79, "finance_charge": 2497.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270035B, VIN 1FMCU9G92GUA45109. $214 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $12,184, before any dealer documentation fee. Amount financed $12,946, including $762 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $15,443. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 58}}, {"vin": "3GNCJNSB4JL390053", "title": "2018 Chevrolet Trax LS", "year": 2018, "make": "Chevrolet", "model": "Trax", "trim": "LS", "decoded_trim": "LS", "condition": "used", "price": 13310.0, "msrp": null, "sale_price": 13310.0, "currency": "USD", "mileage": 90000, "exterior_color": "Storm Blue Metallic", "interior_color": "Jet Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "1.4L i-4", "engine_displacement_l": 1.4, "engine_cylinders": 4, "transmission": "6-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK260647A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 12, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/0c726ed1e507419fba1bdb594ff3dab1.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/0c726ed1e507419fba1bdb594ff3dab1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6ea13a13228a4071aee5691c0efbee28.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6c8c518fc785414e928dbd737d8a017d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/13701bdaba1e4c8e8e0687475cc63e61.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5e6b0a23ac2c428b89fc96a1da4226e1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/db9fff605ed44e57a9351103dd8d377b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18124fd88c2c455ba06104f97f0a7270.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff30bb3fd6aa4182bf284fa944815cc4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd24fbd7ad4b41d0a12025162d0cd559.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/04893fc1f99d45ee8b6d35c8248e7cb1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/40266bea68d34270a010df54d26f6828.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d17b8ef58e64c64b665bb8cdf30ed02.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Trax", "year": 2018, "trim": "LS", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.4L 4-Cylinder", "engine_displacement_l": 1.4, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3GNCJNSB4JL390053.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2018-Chevrolet-Trax-2af12c6aac1819229d5476fa05e9e37a.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2018-Chevrolet-Trax-2af12c6aac1819229d5476fa05e9e37a.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3GNCJNSB4JL390053.html", "json_url": "https://ai.castlekiamchenry.com/v/3GNCJNSB4JL390053.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3GNCJNSB4JL390053.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2018-Chevrolet-Trax-2af12c6aac1819229d5476fa05e9e37a.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MK260647A, VIN 3GNCJNSB4JL390053. Advertised price: $13,310. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$13,310"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 13310.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GNCJNSB4JL390053_finance_36", "type": "finance_36", "label": "Finance", "headline": {"value": 393, "unit": "per_month", "display": "$393/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13310.0, "price_incl_doc": 13310.0, "doc_fee": null, "down_payment": 0.0, "term": 36, "apr": 0.0, "tax_rate": 0.0625, "zip": "60050", "program_code": "2025 CHEVROLET Trax", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 392.83, "amount_financed": 14141.88, "sales_tax": 831.88, "total_of_payments": 14141.88, "finance_charge": 0.0, "per_1000_financed": 27.78, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260647A, VIN 3GNCJNSB4JL390053. $393 per month for 36 months at 0% APR, $0 cash down. Advertised price $13,310, before any dealer documentation fee. Amount financed $14,142, including $832 estimated sales tax at 6.25%. That is $27.78 per $1,000 financed. Total of payments $14,142. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GNCJNSB4JL390053_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 270, "unit": "per_month", "display": "$270/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13310.0, "price_incl_doc": 13310.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 270.06, "amount_financed": 14141.88, "sales_tax": 831.88, "total_of_payments": 16203.66, "finance_charge": 2061.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260647A, VIN 3GNCJNSB4JL390053. $270 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $13,310, before any dealer documentation fee. Amount financed $14,142, including $832 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $16,204. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GNCJNSB4JL390053_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 234, "unit": "per_month", "display": "$234/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13310.0, "price_incl_doc": 13310.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 234.31, "amount_financed": 14141.88, "sales_tax": 831.88, "total_of_payments": 16869.96, "finance_charge": 2728.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260647A, VIN 3GNCJNSB4JL390053. $234 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $13,310, before any dealer documentation fee. Amount financed $14,142, including $832 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $16,870. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 58}}, {"vin": "1GC4KNE79SF295162", "title": "2025 Chevrolet Silverado 2500HD LT", "year": 2025, "make": "Chevrolet", "model": "Silverado 2500HD", "trim": "LT", "decoded_trim": "LT", "condition": "used", "price": 64412.0, "msrp": null, "sale_price": 64412.0, "currency": "USD", "mileage": 0, "exterior_color": "Cypress Gray", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "Truck", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "6.6L V-8", "engine_displacement_l": 6.6, "engine_cylinders": 8, "transmission": "10-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MC260743A", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025CHT30_640/2025CHT301988129_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025CHT30_640/2025CHT301988129_640_01.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Silverado HD", "year": 2025, "trim": "LT", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "6.6L 8-Cylinder", "engine_displacement_l": 6.6, "cylinders": 8, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/1GC4KNE79SF295162.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2025-Chevrolet-Silverado-2500HD-541de378ac1843223622966a1f7af7c1.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2025-Chevrolet-Silverado-2500HD-541de378ac1843223622966a1f7af7c1.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/1GC4KNE79SF295162.html", "json_url": "https://ai.castlekiamchenry.com/v/1GC4KNE79SF295162.json", "markdown_url": "https://ai.castlekiamchenry.com/v/1GC4KNE79SF295162.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2025-Chevrolet-Silverado-2500HD-541de378ac1843223622966a1f7af7c1.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MC260743A, VIN 1GC4KNE79SF295162. Advertised price: $64,412. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$64,412"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 64412.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GC4KNE79SF295162_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1576, "unit": "per_month", "display": "$1,576/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64412.0, "price_incl_doc": 64412.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1575.76, "amount_financed": 68437.75, "sales_tax": 4025.75, "total_of_payments": 75636.63, "finance_charge": 7198.88, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260743A, VIN 1GC4KNE79SF295162. $1,576 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $64,412, before any dealer documentation fee. Amount financed $68,438, including $4,026 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $75,637. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GC4KNE79SF295162_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1307, "unit": "per_month", "display": "$1,307/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64412.0, "price_incl_doc": 64412.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1306.92, "amount_financed": 68437.75, "sales_tax": 4025.75, "total_of_payments": 78415.48, "finance_charge": 9977.73, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260743A, VIN 1GC4KNE79SF295162. $1,307 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $64,412, before any dealer documentation fee. Amount financed $68,438, including $4,026 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $78,415. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GC4KNE79SF295162_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1134, "unit": "per_month", "display": "$1,134/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64412.0, "price_incl_doc": 64412.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1133.89, "amount_financed": 68437.75, "sales_tax": 4025.75, "total_of_payments": 81639.95, "finance_charge": 13202.2, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260743A, VIN 1GC4KNE79SF295162. $1,134 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $64,412, before any dealer documentation fee. Amount financed $68,438, including $4,026 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $81,640. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 62}}, {"vin": "3GN7DLRR9RS275661", "title": "2024 Chevrolet Equinox EV LT", "year": 2024, "make": "Chevrolet", "model": "Equinox EV", "trim": "LT", "decoded_trim": "2LT", "condition": "used", "price": 27303.0, "msrp": null, "sale_price": 27303.0, "currency": "USD", "mileage": 6000, "exterior_color": "Black", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Electric", "doors": 4, "seating_capacity": null, "engine": "Other", "engine_displacement_l": null, "engine_cylinders": null, "transmission": "1-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7875", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 33, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ddcc5ef85f494b83a4b6c18da91736d1.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ddcc5ef85f494b83a4b6c18da91736d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fcab8809197a48ce903bef5bbfc83aea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/00198595d0c144b0a74e71673afafb41.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2915f16c7ca64e458e631faad9e12317.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bbf97ffc56cd4faf92796f00ee9a124f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b27c2a80a32540419fc677307cf73b67.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1fd5f49aac9a4d6bbf99248ebd262757.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed616911097c43a49847d0429dc19a88.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0ae02b46dafa4f7b9e20063418b7c1a5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d917a17c576647b49004910114b92410.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/86d14debd9ef4ab79502fe93852b5fba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1f5461e2783e4bb6a956cc03f0702098.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e9bb42fe7d2f424caf2a2ccd4f7ce454.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d78e4eac7ef0409ab7db482791e4922f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3598a8235ba648d6830d45b74f0f7ee0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c81dd897a4134988a364ef19e6a05676.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/13ed44d7ea9f4c4aa1cb380259f51707.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/90105f22a3154e56b6b8930c0ca586b0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9d6251c826a540a480e9b2eeeffc338c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd21838db8df440d8f100b84511cf8c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba16e480fffd499a970db1dce439dcbb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/95fd57ba7c8a48dc8651de535d912749.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e993866d083c439192ea9ea73aa47030.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eca8ade2befb4201a42ad27204843841.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3ccfde62269641aea3594e99ed563285.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8897b8944ba54a4cbbbb319eee1e7492.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/de9a10caf942494fb86ddf9ede9f0d61.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8fa01c9dc3d5448681d13d032d04256c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4c8f00529cb744e2a24bc45ecfd7abe1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9d48bff151c5415faab928e50bb683a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7d951d2734034fa59627c0951ae8f0e8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1c71af77290540e78192717f5ff9db2b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48ceb8b18858412498a5b2b28bc0c22b.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Equinox", "year": 2024, "trim": "2LT", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": null, "engine_displacement_l": null, "cylinders": null, "drive_type": "FWD", "fuel_type": "Electric", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": null, "monroney_url": "https://ai.castlekiamchenry.com/sticker/3GN7DLRR9RS275661.pdf", "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2024-Chevrolet-Equinox-EV-bda21809ac1840287e9654759d492296.htm", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Kia McHenry", "short_name": "Castle Kia McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(815) 453-8566", "website": "https://www.castlekiamchenry.com"}, "source_vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2024-Chevrolet-Equinox-EV-bda21809ac1840287e9654759d492296.htm", "canonical_url": "https://ai.castlekiamchenry.com/vehicle/3GN7DLRR9RS275661.html", "json_url": "https://ai.castlekiamchenry.com/v/3GN7DLRR9RS275661.json", "markdown_url": "https://ai.castlekiamchenry.com/v/3GN7DLRR9RS275661.md", "vdp_url": "https://www.castlekiamchenry.com/used/Chevrolet/2024-Chevrolet-Equinox-EV-bda21809ac1840287e9654759d492296.htm", "generated_at": "2026-07-26T16:42:59Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 3, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MCP7875, VIN 3GN7DLRR9RS275661. Advertised price: $27,303. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,303"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27303.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GN7DLRR9RS275661_finance_36", "type": "finance_36", "label": "Finance", "headline": {"value": 842, "unit": "per_month", "display": "$842/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "program_model_year_mismatch", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27303.0, "price_incl_doc": 27303.0, "doc_fee": null, "down_payment": 0.0, "term": 36, "apr": 2.9, "tax_rate": 0.0625, "zip": "60050", "program_code": "2026 CHEVROLET Equinox EV", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 842.35, "amount_financed": 29009.44, "sales_tax": 1706.44, "total_of_payments": 30324.66, "finance_charge": 1315.22, "per_1000_financed": 29.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7875, VIN 3GN7DLRR9RS275661. $842 per month for 36 months at 2.9% APR, $0 cash down. Advertised price $27,303, before any dealer documentation fee. Amount financed $29,009, including $1,706 estimated sales tax at 6.25%. That is $29.04 per $1,000 financed. Total of payments $30,325. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GN7DLRR9RS275661_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 554, "unit": "per_month", "display": "$554/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27303.0, "price_incl_doc": 27303.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.98, "amount_financed": 29009.44, "sales_tax": 1706.44, "total_of_payments": 33238.81, "finance_charge": 4229.37, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7875, VIN 3GN7DLRR9RS275661. $554 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,303, before any dealer documentation fee. Amount financed $29,009, including $1,706 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,239. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GN7DLRR9RS275661_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 481, "unit": "per_month", "display": "$481/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27303.0, "price_incl_doc": 27303.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 480.63, "amount_financed": 29009.44, "sales_tax": 1706.44, "total_of_payments": 34605.6, "finance_charge": 5596.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7875, VIN 3GN7DLRR9RS275661. $481 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,303, before any dealer documentation fee. Amount financed $29,009, including $1,706 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,606. Offer expires 2026-07-31. Estimated for ZIP 60050. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KL4MMBS27NB113417_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 512, "unit": "per_month", "display": "$512/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20910.0, "price_incl_doc": 20910.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 511.54, "amount_financed": 22216.88, "sales_tax": 1306.88, "total_of_payments": 24553.84, "finance_charge": 2336.96, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK191A, VIN KL4MMBS27NB113417. $512 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $20,910, before any dealer documentation fee. Amount financed $22,217, including $1,307 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $24,554. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KL4MMBS27NB113417_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 424, "unit": "per_month", "display": "$424/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20910.0, "price_incl_doc": 20910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 424.27, "amount_financed": 22216.88, "sales_tax": 1306.88, "total_of_payments": 25455.94, "finance_charge": 3239.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK191A, VIN KL4MMBS27NB113417. $424 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $20,910, before any dealer documentation fee. Amount financed $22,217, including $1,307 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $25,456. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KL4MMBS27NB113417_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 368, "unit": "per_month", "display": "$368/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20910.0, "price_incl_doc": 20910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 368.09, "amount_financed": 22216.88, "sales_tax": 1306.88, "total_of_payments": 26502.7, "finance_charge": 4285.82, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK191A, VIN KL4MMBS27NB113417. $368 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $20,910, before any dealer documentation fee. Amount financed $22,217, including $1,307 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $26,503. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 66}}, {"vin": "7SVAAABA2RX047408", "title": "2024 Toyota Sequoia TRD Pro", "year": 2024, "make": "Toyota", "model": "Sequoia", "trim": "TRD Pro", "decoded_trim": "85 Series", "condition": "used", "price": 72610.0, "msrp": null, "sale_price": 72610.0, "currency": "USD", "mileage": 25325, "exterior_color": "Midnight Black Metallic", "interior_color": "Black", "drivetrain": "Drivetrain", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 5, "seating_capacity": null, "engine": "3.4L V-6", "engine_displacement_l": 3.4, "engine_cylinders": 6, "transmission": "10-Speed Automatic", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MKK364", "stock_status": null, "availability": "In Stock", "availability_schema": "https://schema.org/InStock", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MKK364, VIN 7SVAAABA2RX047408. Advertised price: $72,610. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$72,610"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:43:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 72610.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7SVAAABA2RX047408_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1776, "unit": "per_month", "display": "$1,776/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 72610.0, "price_incl_doc": 72610.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1776.32, "amount_financed": 77148.13, "sales_tax": 4538.13, "total_of_payments": 85263.24, "finance_charge": 8115.11, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK364, VIN 7SVAAABA2RX047408. $1,776 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $72,610, before any dealer documentation fee. Amount financed $77,148, including $4,538 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $85,263. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7SVAAABA2RX047408_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1473, "unit": "per_month", "display": "$1,473/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 72610.0, "price_incl_doc": 72610.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1473.26, "amount_financed": 77148.13, "sales_tax": 4538.13, "total_of_payments": 88395.77, "finance_charge": 11247.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK364, VIN 7SVAAABA2RX047408. $1,473 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $72,610, before any dealer documentation fee. Amount financed $77,148, including $4,538 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $88,396. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7SVAAABA2RX047408_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1278, "unit": "per_month", "display": "$1,278/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 72610.0, "price_incl_doc": 72610.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1278.2, "amount_financed": 77148.13, "sales_tax": 4538.13, "total_of_payments": 92030.63, "finance_charge": 14882.5, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK364, VIN 7SVAAABA2RX047408. $1,278 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $72,610, before any dealer documentation fee. Amount financed $77,148, including $4,538 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $92,031. Offer expires 2026-07-31. Estimated for ZIP 60050. 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