Typically, a bank uses a formula/ratio called "loan to value". That's basically how much you're borrowing vs how much the car is worth. The formula is used more for "pre owned" car loans, based on the NADA value at the time of the loan application. But you can rest assured that a bank will not write an auto loan for more than the real value of the car. A bank will not use a "speculative" value, such as anything that considers the current or future "collectability" of a car in considering it's value.

The bank is held accountable to it's share holders. If a loan falls into default and the collateral for that loan must be reposessed and liquidated to recover the assets/investment the bank has in that collateral, the share holders want the loan to be satisfied through the sale of the collateral in "one fell swoop". This includes settling the additional costs of recovery - locating and taking posession of the collateral (collection fees), returning it to the bank, and subsequently holding an auction to recover the investment. The bank prefers to NOT get into legal action to recover a deficit balance after the collateral has been liquidated, the proceeds have been applied to the outstanding balance on the loan, and a balance due still remains. Therefore, the bank typically will only lend 90% of the value of the collateral offered on a loan. Inasmuch, taxes are not included in calculations since they're not recoverable or influential on the value of the collateral, regardless of posession.

If your Challenger MSRP's at $41,195.00, the bank (typically) will lend as much as 90% of that amount, or roughly $37,000.00, regardless of how much over MSRP the dealer is charging you. The first 10%, as well as taxes, title, registration is the purchasers responsibility.

I posted a thread some time ago called "Financing Tips" for folks who were preparing to engage in negotiating a car loan. You can find that thread here: https://dodgechallenger.com/forums/m_13243/tm.htm . I also offered to answer any questions anyone may have "confidentially" via email or PM that they didn't want to ask publicly. That offer still stands.

Hope this helps.