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CORVETTE TODAY #248 - The In's And Out's Of Financing A Corvette
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Jul 12, 2025
I don't know about you, but there are multiple Corvettes I'd love to own. Honestly, I'd love to have one of every generation! But for me, there is not enough money to go around to purchase a Corvette from every generation. That's where Woodside Credit comes in. Qasim Shirazi, the Midwest District Sales Manager joins your CORVETTE TODAY host, Steve Garrett, to explain what's hot in Corvette purchasing marketplace, what Corvettes hold the best value right now and when it's best to purchase a Corvette! If you're like me and are looking to purchase the next Corvette in your stable, you'll want to hear what "Q" has to say on this episode of CORVETTE TODAY!
View Video Transcript
0:00
[Music]
0:03
Welcome to Corvette Today, the show that
0:06
talks about everything Corvette with
0:08
your host Steve Garrett, lifetime member
0:11
of the National Corvette Museum,
0:13
president of the Corvette Club of Kansas
0:15
City, Missouri, and radio disc jockey at
0:18
the number one radio station in Kansas
0:20
City for over 45 years.
0:23
Here's Steve Garrett.
0:28
Thanks for listening and watching
0:29
Corvette Today, the show that talks
0:31
about everything Corvette and the only
0:33
current podcast dedicated to Corvette.
0:36
I'm your host, Steve Garrett. I
0:37
appreciate you tuning in. Corvette Today
0:39
is brought to you by Wheelcraft. Want to
0:41
dress up your Corvette with bright
0:43
chrome or black chrome wheels? Visit
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0:50
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1:00
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Corvette of your dreams. Heck, in my
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mind, I know all the Corvettes I'd like
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to own and collect, but how do you pay
3:52
for them all? Well, on today's show,
3:55
we're going to explore that with
3:56
Woodside Credit. They specialize in
3:58
collector car financing. And with me
4:00
today from Woodside Credit is Kazum
4:03
Shirazi. Kazum, welcome to Corvette
4:05
Today.
4:06
Hello everyone. Thank you, Steve. I
4:08
appreciate it. I'm excited to be your
4:10
guest today and I just wanted to say you
4:12
can call me Q. My name is Kum, but it's
4:14
a lot easier just to go by Q. And I'm a
4:16
big James Bond fan.
4:18
That sounds great. Well, Q, let's talk
4:20
about the trends that you're seeing.
4:21
What trends are you seeing in Corvette
4:23
financing? Are there certain models or
4:25
certain model years that are
4:27
particularly popular right now? So,
4:29
Steve, real quick, with the Corvette, I
4:31
feel like any Corvette is an excellent
4:34
Corvette, but I do see the higherend
4:36
models, trims like the ZR1s and Z06s
4:39
becoming more collectible and kind of
4:41
increasing their value as time goes on.
4:43
It's becoming one of those niche cars
4:45
that I feel like collector Corvette
4:47
owners are looking to purchase.
4:49
Why do Corvette buyers choose to finance
4:52
their vehicles? I know a lot of them
4:53
could just pay cash for them.
4:55
So, it's really simple. With Woodside
4:56
Credit, we make it easy. We want you to
4:58
use our money to go play with finding
5:00
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5:02
keep your cash in your bank account. So
5:04
you can do other things like home
5:06
renovations or just simply invest that
5:08
kind of cash that you have in your bank
5:10
and just use ours to go buy the car.
5:12
Gotcha. Now let's talk about advantages.
5:14
What are some of the unique advantages
5:16
that you guys offer for Corvette
5:18
enthusiasts compared to other purchasing
5:20
options?
5:21
So great news with us is that Steve, we
5:23
don't have any regulations on the year
5:26
of the Corvette. You can finance as
5:28
early as you want from the 60s on. Good
5:31
thing about us is we have the lowest
5:32
payments in America right now with our
5:34
long terms from 84 months to up to 180
5:38
months depending on what Corvette you go
5:39
with.
5:40
Wow, that's pretty cool. Q also explain
5:42
to me how Woodside Credit's loan terms
5:44
differ from traditional auto loans.
5:47
So what we do is we don't go based on
5:49
what the market value is on MSRP or such
5:52
things like that for Corvette. We go
5:54
based on relationship and we know what
5:56
Corvettes bring to the market. So we go
5:59
based on research. We've been in the
6:01
business for a long time. So what we do
6:03
is our terms are a lot longer than your
6:05
traditional bank, but traditional banks
6:07
also only go up to 5 to 10 years old.
6:09
We'll go past that for you on the year
6:12
of the vehicle. So we'll go, you know,
6:13
15y old Corvette and we'll make it real
6:16
simple. All our rates are very
6:17
competitive for that model year. Steve,
6:20
pretty much what it is is that we do our
6:22
research on Corvettes. Corvettes are the
6:24
kind of cars that hold their value
6:26
because there's a cult, a following of
6:28
great car enthusiasts. So, we base our
6:31
terms on what the market demands
6:34
currently in the Corvette industry.
6:36
Very cool. Well, buddy, let's take our
6:38
first break. When we come back, we're
6:39
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6:41
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[Music]
9:51
This is the Corvette Today podcast with
9:54
Steve Garrett.
9:56
Thanks for checking out Corvette Today
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on podcast and YouTube. It's the only
10:00
current podcast dedicated to Corvette.
10:02
Corvette Today is brought to you by
10:04
Wheelcraft. I know you want your
10:05
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10:07
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10:09
wheels. Visit wheelcraft.com and learn
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10:15
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call 833-639-4231.
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I'm your host Steve Garrett. With me is
10:28
Kazum Shirazi from Woodside Credit. Q.
10:31
Let's talk a little bit more about
10:32
Corvette values and depreciation. How
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does depreciation curves work for
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Corvette and when do you think is the
10:38
best time to buy and get the best value?
10:41
So Steve, to be honest with you, I think
10:43
there's no wrong time to buy a Corvette.
10:45
Good. From what I'm seeing in the market
10:47
is obviously the new Corvettes have came
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these vehicles like your everyday car
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But when I see the sweet spot for
10:58
Corvettes, it's always the generation
11:00
prior to the newest one. I believe
11:02
that's the best time to buy a Corvette
11:05
that model year. So we're what on the C8
11:07
Corvettes right now?
11:08
Correct.
11:09
I think the best bang for your buck is a
11:11
C7 Corvette. I see a lot of people
11:14
really gearing towards the Grand Sport
11:16
models and those tend to hold a little
11:18
bit more value than your Z06s and
11:20
whatnot when it comes to depreciation.
11:22
You know, it's interesting you brought
11:23
that up, Q, because I always wanted to
11:25
get a C7 ZR1 and I'm still kicking
11:28
myself in the rear end for not buying
11:30
one. And those prices are really
11:32
appreciating even with miles on the
11:34
clock. They're still more than MSRP.
11:37
That's the thing about these cars. So
11:38
the ZR1 in my book is the creme of the
11:41
cre of the best Corvette model.
11:44
Obviously you get the supercharged V8,
11:46
the fastest in the model line. And I see
11:48
that the new ZR1 is going to be coming
11:50
out which will actually make the C7 kind
11:53
of come down in value
11:54
and that'll be your best time to buy is
11:56
the previous generation CR1. And as time
11:59
goes on, that car will eventually
12:01
appreciate again.
12:02
Yeah, definitely. So tell me, what are
12:05
the factors that can help a Corvette
12:06
maintain and maybe even increase value
12:09
over time?
12:10
You know, I tell people this. As long as
12:12
you maintain the vehicles, especially
12:14
when it comes to Corvettes, they're
12:15
really easy to maintain. Keep records.
12:18
Make sure you take it to a Chevy dealer
12:19
once a year. I think the holy grail when
12:22
it comes to Corvettes, is that people
12:24
that are actually owning these take
12:25
really good care of them. When you do
12:27
take care of them, you just document
12:29
everything. Documentation is key when it
12:31
comes to these cars, Steve. Absolutely.
12:33
Q, are there any specific Corvette
12:35
models that stand out in your mind as
12:37
being a better long-term investment? I
12:39
always wanted a 63 split window, and I
12:41
know those are really sought after, but
12:43
are there any other cars besides those
12:45
63 split windows that are really holding
12:47
value for long-term investments?
12:49
I see the 53 going up. Like I said, it
12:52
all really depends on what is in your
12:55
budget. Obviously, 63 split windows gone
12:57
up like crazy, but the 53 Corvettes are
13:00
doing good. The L88 coups are starting
13:02
to come up. I think you just need to
13:03
follow what the trends are for right
13:05
now. I think anything low mile special
13:08
edition Corvettes such as ZR1, Z06s,
13:11
like you said yourself, the split
13:13
window, these are all coming up in price
13:15
as time goes on. It all really depends
13:17
on what you're looking for. If you find
13:19
a regular Corvette that's just in good
13:21
condition and has great documentation, I
13:23
feel like those hold value more than
13:25
just any other Corvette.
13:26
Gotcha. for listeners or viewers that
13:28
are considering financing a collectible
13:30
Corvette. How does vehicle age and
13:33
condition influence the loan terms?
13:35
So, it's really easy with us. We try to
13:37
tend to keep the Corvettes as stock as
13:39
possible when we're looking at doing a
13:40
loan on one for a customer. The biggest
13:43
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13:45
inspection. Even if it's from private or
13:47
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13:49
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13:51
and forth. It all goes based off of the
13:54
current condition, overall look of the
13:56
vehicle, but mostly stock vehicles is
13:58
what we tried to do our loans on.
14:00
Gotcha. Well, buddy, let's take our
14:02
final break. When we come back, we're
14:03
going to talk about buying formats and
14:05
some expert tips on buying a Corvette.
14:07
We're with Q from Woodside Credit here
14:09
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Thanks once again for listening and
17:39
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17:41
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Corvette Today is brought to you by
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17:46
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17:49
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17:52
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18:06
I'm your host, Steve Garrett. With me is
18:08
Kazum Shirazi from Woodside Credit. We
18:10
just call him Q. All right, Q. Let's go
18:13
through a real life process thing. Let's
18:15
talk about me buying that 2019 ZR1.
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Hendrickk Chevrolet here in Kansas City
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has the car and I want to buy it. You
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18:25
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18:28
$160,000.
18:30
How do I get credit from Woodside Credit
18:32
for this car?
18:33
Steve, this is awesome. I look forward
18:35
to helping you on your next purchase of
18:37
your ZR1. So, real simple. You'll log on
18:40
to woodsidecredit.com
18:43
my last name Shirazi shir Azi and
18:47
they'll take you directly to our online
18:48
application. So, Steve, what happens is
18:50
you'll put an application online saying,
18:52
"Hey, I want a 2019 CR1 6,000 mi
18:56
Hendrickk Chevrolet has it." And as soon
18:58
as I get your lead, I'll call you and
19:00
I'll say, "Congratulations. I see that
19:02
you're looking at a 2019 CR1 at
19:04
$160,000."
19:06
Let's just say roughly on something like
19:08
that, we'll require 20% down and we'll
19:11
do up to 144 months. So, we'll start off
19:13
at 84 to 144 months and kind of give you
19:16
a better idea of where you want to be at
19:18
monthly payment wise. Soon after, I'll
19:21
reach out to the dealership and kind of
19:22
introduce myself saying, "Hey, my name
19:24
is Q calling from Woodside Credit. I'm
19:26
working on behalf of Steve on purchasing
19:28
this beautiful ZR1 and I'll start doing
19:31
the paperwork with them. make it really
19:33
simple for you and then pretty much send
19:35
you an email with the prompt of the
19:37
monthly terms, the rates, and then from
19:39
there, you would call me back and say,
19:40
"Hey, Q, I like the terms you have. I'll
19:43
go with 144 months at $1,800 a month or
19:47
$1,200 a month, whatever that might be
19:48
at that time,
19:50
and I'll go ahead and get the process
19:51
rolling. We'll fund the dealership, and
19:53
as soon as the dealership funds, which
19:55
usually takes about 24 hours from once
19:57
we get all the paperwork signed, and
19:58
then you can go take delivery of your
19:59
new Corvette.
20:00
Wow, that's pretty cool. So, I just give
20:02
you the down payment, you guys pay the
20:04
dealership, I sign the papers and drive
20:06
off with the car then, right?
20:07
Actually, you pay the down payment
20:09
directly to the dealership. Gotcha.
20:10
So, we'll give them the remaining
20:11
balance.
20:12
Gotcha. Gotcha. Well, Q, this sounds
20:14
really pretty cool and pretty
20:16
straightforward. How can people get a
20:18
hold of you personally?
20:20
My personal phone number is 44-532791.
20:25
I am based out of Cleveland, Ohio. I am
20:27
the Midwest regional manager. But the
20:30
good thing about me is I like to work
20:32
everywhere and with everyone. So I'm
20:34
really easy to get a hold of. Um I also
20:36
have my own link at
20:37
www.woodsidecredit.com/qen.
20:41
My last name Shirazi shir a zi.
20:44
And you're on Eastern time. So it's
20:46
important for when people call. Also
20:49
give me your website and some of the
20:50
social media that Woodside Credit has.
20:52
Q.
20:53
Absolutely. We're on woodscredit.com.
20:56
You could follow me on LinkedIn as well.
20:58
My LinkedIn is Q A S I M last name
21:00
Shirazi S H I R A Z I Woodside Credit
21:04
also has a LinkedIn and Facebook just
21:06
Woodside Credit and great thing is we
21:09
always post about Mikum auctions. We do
21:12
also the Bear Jackson auctions. We
21:14
sponsor all the Bear Jackson auctions.
21:16
We're actually the only sponsor of the
21:18
Bear Jackson auctions. We're usually
21:20
there. All our reps are usually there
21:21
and we post all the time about what's
21:23
going on in the market, what's selling
21:25
today and for how much. That sounds
21:27
great. Q, thanks so much for taking the
21:29
time to be on Corvette today. This has
21:31
been really eye opening. I might go buy
21:33
another Corvette.
21:34
Hey, Stephen. You have my direct number,
21:35
so I'll be able to help you with that.
21:37
No problem.
21:38
Thanks again for listening and watching
21:39
Corvette Today. And be sure to tell your
21:41
family, friends, and other Corvette
21:43
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21:45
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22:38
Thanks for checking out Corvette Today
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22:44
today, you can email him at stevegared
22:47
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