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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": 31997.0, "price_incl_doc": 31997.0, "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": 665.03, "amount_financed": 33996.81, "sales_tax": 1999.81, "total_of_payments": 39901.64, "finance_charge": 5904.83, "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. $665 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,997, before any dealer documentation fee. Amount financed $33,997, including $2,000 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,902. 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": 31997.0, "price_incl_doc": 31997.0, "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": 579.45, "amount_financed": 33996.81, "sales_tax": 1999.81, "total_of_payments": 41720.3, "finance_charge": 7723.49, "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. $579 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,997, before any dealer documentation fee. Amount financed $33,997, including $2,000 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,720. 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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/jf1vbah67s9809238/2025-subaru-wrx-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF1VBAH67S9809238.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF1VBAH67S9809238.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF1VBAH67S9809238.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/jf1vbah67s9809238/2025-subaru-wrx-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$32,297"}], "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": "2026-07-26T16:50:07Z", "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": 32297.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 32297.0, "price_incl_doc": 32297.0, "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": 805.74, "amount_financed": 34315.56, "sales_tax": 2018.56, "total_of_payments": 38675.74, "finance_charge": 4360.18, "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. $806 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,297, before any dealer documentation fee. Amount financed $34,316, including $2,019 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,676. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 32297.0, "price_incl_doc": 32297.0, "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": 671.26, "amount_financed": 34315.56, "sales_tax": 2018.56, "total_of_payments": 40275.76, "finance_charge": 5960.2, "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. $671 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,297, before any dealer documentation fee. Amount financed $34,316, including $2,019 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,276. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 32297.0, "price_incl_doc": 32297.0, "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": 584.88, "amount_financed": 34315.56, "sales_tax": 2018.56, "total_of_payments": 42111.46, "finance_charge": 7795.9, "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. $585 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,297, before any dealer documentation fee. Amount financed $34,316, including $2,019 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,111. 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"}], "suppressed": [{"type": "price_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": 466}}, {"vin": "19XFL2H85PE015795", "title": "2023 Honda Civic Hatchback Sport", "year": 2023, "make": "Honda", "model": "Civic Hatchback", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 23997.0, "msrp": 23997.0, "sale_price": 23997.0, "currency": "USD", "mileage": 44209, "exterior_color": "Other", "interior_color": null, "drivetrain": "FWD", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "1-Speed CVT w/OD", "mpg_city": 29, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "MKK373A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2023HOC02_640/2023HOC020229_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2023HOC02_640/2023HOC020229_640_01.jpg"], "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": 23997.0, "monroney_url": null, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/19xfl2h85pe015795/2023-honda-civic-hatchback-", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/19xfl2h85pe015795/2023-honda-civic-hatchback-", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/19XFL2H85PE015795.html", "json_url": "https://ai.castlesubarumchenry.com/v/19XFL2H85PE015795.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/19XFL2H85PE015795.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/19xfl2h85pe015795/2023-honda-civic-hatchback-", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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: $23,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$23,997"}], "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": "2026-07-26T16:50:07Z", "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": 23997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 23997.0, "price_incl_doc": 23997.0, "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": 598.68, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 28736.47, "finance_charge": 3239.66, "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. $599 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,736. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 23997.0, "price_incl_doc": 23997.0, "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": 498.75, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 29925.3, "finance_charge": 4428.49, "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. $499 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,925. 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_19XFL2H85PE015795_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23997.0, "price_incl_doc": 23997.0, "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": 434.57, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 31289.25, "finance_charge": 5792.44, "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. $435 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,289. 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"}], "suppressed": [{"type": "price_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": 445}}, {"vin": "JF2SLDDC6SH512024", "title": "2025 Subaru Forester Premium", "year": 2025, "make": "Subaru", "model": "Forester", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 29997.0, "msrp": 29997.0, "sale_price": 29997.0, "currency": "USD", "mileage": 27580, "exterior_color": "River Rock Pearl", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "1-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260593A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2003378/2267014/0x0/stock_images/5/2025SUS04_640/2025SUS042009434_640_01.jpg", "images": ["https://content.homenetiol.com/2003378/2267014/0x0/stock_images/5/2025SUS04_640/2025SUS042009434_640_01.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29997.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2SLDDC6SH512024.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/jf2slddc6sh512024/2025-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/jf2slddc6sh512024/2025-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2SLDDC6SH512024.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2SLDDC6SH512024.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2SLDDC6SH512024.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/jf2slddc6sh512024/2025-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260593A, VIN JF2SLDDC6SH512024. Advertised price: $29,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$29,997"}], "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": "2026-07-26T16:50:07Z", "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": 29997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2SLDDC6SH512024_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": 29997.0, "price_incl_doc": 29997.0, "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": 748.36, "amount_financed": 31871.81, "sales_tax": 1874.81, "total_of_payments": 35921.48, "finance_charge": 4049.67, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260593A, VIN JF2SLDDC6SH512024. $748 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,997, before any dealer documentation fee. Amount financed $31,872, including $1,875 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,921. 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_JF2SLDDC6SH512024_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": 29997.0, "price_incl_doc": 29997.0, "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": 623.46, "amount_financed": 31871.81, "sales_tax": 1874.81, "total_of_payments": 37407.56, "finance_charge": 5535.75, "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. $623 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,997, before any dealer documentation fee. Amount financed $31,872, including $1,875 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,408. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 29997.0, "price_incl_doc": 29997.0, "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": 543.23, "amount_financed": 31871.81, "sales_tax": 1874.81, "total_of_payments": 39112.54, "finance_charge": 7240.73, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260593A, VIN JF2SLDDC6SH512024. $543 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,997, before any dealer documentation fee. Amount financed $31,872, including $1,875 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,113. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 423}}, {"vin": "3CZRZ2H50RM757820", "title": "2024 Honda HR-V Sport", "year": 2024, "make": "Honda", "model": "HR-V", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 25997.0, "msrp": 25997.0, "sale_price": 25997.0, "currency": "USD", "mileage": 50104, "exterior_color": "Red", "interior_color": null, "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "1-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MS260422C", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2003378/2267014/0x0/stock_images/5/2024HOS07_640/2024HOS070081_640_01.jpg", "images": ["https://content.homenetiol.com/2003378/2267014/0x0/stock_images/5/2024HOS07_640/2024HOS070081_640_01.jpg"], "vin_decode": {"make": "Honda", "model": "HR-V", "year": 2024, "trim": "Sport", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder In-Line", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 25997.0, "monroney_url": null, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3czrz2h50rm757820/2024-honda-hr-v-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3czrz2h50rm757820/2024-honda-hr-v-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3CZRZ2H50RM757820.html", "json_url": "https://ai.castlesubarumchenry.com/v/3CZRZ2H50RM757820.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3CZRZ2H50RM757820.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3czrz2h50rm757820/2024-honda-hr-v-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260422C, VIN 3CZRZ2H50RM757820. Advertised price: $25,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$25,997"}], "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": "2026-07-26T16:50:07Z", "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": 25997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3CZRZ2H50RM757820_finance_48", "type": "finance_48", "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": 25997.0, "price_incl_doc": 25997.0, "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": 648.57, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 31131.47, "finance_charge": 3509.66, "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. $649 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,131. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_60", "type": "finance_60", "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": 25997.0, "price_incl_doc": 25997.0, "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": 540.32, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 32419.38, "finance_charge": 4797.57, "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. $540 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,419. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 25997.0, "price_incl_doc": 25997.0, "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": 470.79, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 33897.01, "finance_charge": 6275.2, "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. $471 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,897. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "$18,497"}], "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": "2026-07-26T16:50:07Z", "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": 18497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_55SWF4KBXHU211281_finance_48", "type": "finance_48", "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": 18497.0, "price_incl_doc": 18497.0, "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": 461.46, "amount_financed": 19653.06, "sales_tax": 1156.06, "total_of_payments": 22150.2, "finance_charge": 2497.14, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260422B, VIN 55SWF4KBXHU211281. $461 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $18,497, before any dealer documentation fee. Amount financed $19,653, including $1,156 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $22,150. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_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": 18497.0, "price_incl_doc": 18497.0, "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": 384.44, "amount_financed": 19653.06, "sales_tax": 1156.06, "total_of_payments": 23066.56, "finance_charge": 3413.5, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260422B, VIN 55SWF4KBXHU211281. $384 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $18,497, before any dealer documentation fee. Amount financed $19,653, including $1,156 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $23,067. 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"}, {"offer_id": "of_55SWF4KBXHU211281_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 335, "unit": "per_month", "display": "$335/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18497.0, "price_incl_doc": 18497.0, "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": 334.97, "amount_financed": 19653.06, "sales_tax": 1156.06, "total_of_payments": 24117.9, "finance_charge": 4464.84, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260422B, VIN 55SWF4KBXHU211281. $335 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $18,497, before any dealer documentation fee. Amount financed $19,653, including $1,156 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $24,118. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 426}}, {"vin": "JF2GUABCXR8233691", "title": "2024 Subaru Crosstrek Base", "year": 2024, "make": "Subaru", "model": "Crosstrek", "trim": "Base", "decoded_trim": "Base", "condition": "certified", "price": 25331.0, "msrp": 25331.0, "sale_price": 25331.0, "currency": "USD", "mileage": 32958, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Direct Injection", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "1-Speed CVT w/OD", "mpg_city": 27, "mpg_hwy": 34, "range_miles": null, "battery_kwh": null, "stock_number": "MS260591A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 12, "primary_image": "https://content.homenetiol.com/2003378/2267014/0x0/a9680eca0853445783b94f151ee432f7.jpg", "images": ["https://content.homenetiol.com/2003378/2267014/0x0/a9680eca0853445783b94f151ee432f7.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/685c820ae08447b99993529ec2d34801.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/96344a7904e44adc9582b75c3f0f3a81.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/fcbcecb5ae95430ab42b9b6eb4f28907.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/9783f81570ae49e6a79a72c2f5def90f.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/6de9d38041b44b348636e9e2fdeeeb5e.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/c80e670035794c10a4212961d1be9e3a.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/afe9cad8ff814514894d90d31c5a1272.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/91519376ace741808406849ee784a1f8.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/976a975301c448f9a05f021b3b642f99.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/394ba789a1cc4b14b78c55c5a46b75ac.jpg", "https://content.homenetiol.com/2003378/2267014/0x0/a470397f3c704b8fb8b21229f3c6d75f.jpg"], "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": 25331.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUABCXR8233691.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/jf2guabcxr8233691/2024-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/jf2guabcxr8233691/2024-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUABCXR8233691.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUABCXR8233691.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUABCXR8233691.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/jf2guabcxr8233691/2024-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:07Z", "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": 25331.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 25331.0, "price_incl_doc": 25331.0, "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": 631.96, "amount_financed": 26914.19, "sales_tax": 1583.19, "total_of_payments": 30333.94, "finance_charge": 3419.75, "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. $632 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,331, before any dealer documentation fee. Amount financed $26,914, including $1,583 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,334. 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"}, {"offer_id": "of_JF2GUABCXR8233691_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": 25331.0, "price_incl_doc": 25331.0, "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": 526.48, "amount_financed": 26914.19, "sales_tax": 1583.19, "total_of_payments": 31588.86, "finance_charge": 4674.67, "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. $526 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,331, before any dealer documentation fee. Amount financed $26,914, including $1,583 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,589. 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_JF2GUABCXR8233691_finance_72", "type": "finance_72", "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": 25331.0, "price_incl_doc": 25331.0, "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": 458.73, "amount_financed": 26914.19, "sales_tax": 1583.19, "total_of_payments": 33028.63, "finance_charge": 6114.44, "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. $459 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,331, before any dealer documentation fee. Amount financed $26,914, including $1,583 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,029. 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"}], "suppressed": [{"type": "price_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": 20, "elapsed_ms": 441}}, {"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": 31997.0, "msrp": 31997.0, "sale_price": 31997.0, "currency": "USD", "mileage": 18425, "exterior_color": "Gray", "interior_color": null, "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Premium Unleaded I-4 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "6-Speed Manual w/OD", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "MS260477A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2003378/2267014/0x0/stock_images/5/2025HOC18_640/2025HOC181944460_640_01.jpg", "images": ["https://content.homenetiol.com/2003378/2267014/0x0/stock_images/5/2025HOC18_640/2025HOC181944460_640_01.jpg"], "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": 31997.0, "monroney_url": null, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2hgfe1e50sh474651/2025-honda-civic-si-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2hgfe1e50sh474651/2025-honda-civic-si-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/2HGFE1E50SH474651.html", "json_url": "https://ai.castlesubarumchenry.com/v/2HGFE1E50SH474651.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/2HGFE1E50SH474651.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2hgfe1e50sh474651/2025-honda-civic-si-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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: $31,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$31,997"}], "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": "2026-07-26T16:50:07Z", "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": 31997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 31997.0, "price_incl_doc": 31997.0, "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": 798.26, "amount_financed": 33996.81, "sales_tax": 1999.81, "total_of_payments": 38316.49, "finance_charge": 4319.68, "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. $798 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,997, before any dealer documentation fee. Amount financed $33,997, including $2,000 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,316. 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_2HGFE1E50SH474651_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 665, "unit": "per_month", "display": "$665/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31997.0, "price_incl_doc": 31997.0, "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": 665.03, "amount_financed": 33996.81, "sales_tax": 1999.81, "total_of_payments": 39901.64, "finance_charge": 5904.83, "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. $665 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,997, before any dealer documentation fee. Amount financed $33,997, including $2,000 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,902. 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_2HGFE1E50SH474651_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": 31997.0, "price_incl_doc": 31997.0, "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": 579.45, "amount_financed": 33996.81, "sales_tax": 1999.81, "total_of_payments": 41720.3, "finance_charge": 7723.49, "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. $579 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,997, before any dealer documentation fee. Amount financed $33,997, including $2,000 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,720. Offer expires 2026-07-31. Estimated for ZIP 60050. 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"https://ai.castlesubarumchenry.com/v/JF2BURLDXTY545680.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burldxty545680/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,515. This offer applies to Stock #MS260442, VIN JF2BURLDXTY545680. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $49,850. Advertised price: $46,335. Savings: $3,515, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$49,850"}, {"label": "Advertised price", "value": "$46,335"}, {"label": "Savings", "value": "$3,515, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,515", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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", "features": ["Rain Sensing Wipers", "Side-Impact Airbags", "Push Start", "Heated Seats", "Leather Seats", "Keyless Ignition", "Bluetooth", "Keyless Entry", "Rear View Camera", "Lane Departure Warning", "Blind Spot Sensors", "Satellite Radio", "Apple CarPlay", "Android Auto", "Premium Audio", "Adaptive Cruise Control", "Fog Lights", "Forward Collision Warning"], "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "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": 46335.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURLDXTY545680_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 940, "unit": "per_month", "display": "$940/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46335.0, "price_incl_doc": 46335.0, "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": 940.14, "amount_financed": 49230.94, "sales_tax": 2895.94, "total_of_payments": 56408.46, "finance_charge": 7177.52, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260442, VIN JF2BURLDXTY545680. $940 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,335, before any dealer documentation fee. Amount financed $49,231, including $2,896 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,408. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLDXTY545680_finance_72", "type": "finance_72", "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": 46335.0, "price_incl_doc": 46335.0, "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": 815.67, "amount_financed": 49230.94, "sales_tax": 2895.94, "total_of_payments": 58727.99, "finance_charge": 9497.05, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260442, VIN JF2BURLDXTY545680. $816 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,335, before any dealer documentation fee. Amount financed $49,231, including $2,896 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,728. 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"}, {"offer_id": "of_JF2BURLDXTY545680_finance_84", "type": "finance_84", "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": 46335.0, "price_incl_doc": 46335.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 730.81, "amount_financed": 49230.94, "sales_tax": 2895.94, "total_of_payments": 61388.33, "finance_charge": 12157.39, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260442, VIN JF2BURLDXTY545680. $731 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,335, before any dealer documentation fee. Amount financed $49,231, including $2,896 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,388. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLDXTY545680_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49850.0, "selling_price": 46335.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 596.95, "net_cap_cost": 46930.0, "residual_value": 30907.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 596.95, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 756.95}, "total_of_payments": 21492, "total_of_payments_unrounded": 21490.2}, "disclosure": "Estimated lease payment for stock #MS260442, VIN JF2BURLDXTY545680. $597 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $757, made up of $597 first payment, $60 title, $100 registration. MSRP $49,850. Lease selling price $46,335. Net capitalized cost $46,930. Residual value $30,907, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,492. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLDXTY545680_lease", "type": "lease", "label": "Lease", "headline": {"value": 504, "unit": "per_month", "display": "$504/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49850.0, "selling_price": 46335.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 503.66, "net_cap_cost": 43931.0, "residual_value": 30907.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 503.66, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3662.66}, "total_of_payments": 18144, "total_of_payments_unrounded": 18131.76}, "disclosure": "Estimated lease payment for stock #MS260442, VIN JF2BURLDXTY545680. $504 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,663, made up of $504 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,850. Lease selling price $46,335. Net capitalized cost $43,931. Residual value $30,907, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,144. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 391}}, {"vin": "JF2GUSND0T8273330", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 38734.0, "msrp": 38734.0, "sale_price": 38734.0, "currency": "USD", "mileage": null, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8273330", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273330_22.jpg"], "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": 38734.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSND0T8273330.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8273330/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8273330/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND0T8273330.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND0T8273330.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND0T8273330.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8273330/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8273330, VIN JF2GUSND0T8273330. Advertised price: $38,734. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$38,734"}], "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": "2026-07-26T16:50:07Z", "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": 38734.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND0T8273330_finance_60", "type": "finance_60", "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": 38734.0, "price_incl_doc": 38734.0, "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": 785.92, "amount_financed": 41154.88, "sales_tax": 2420.88, "total_of_payments": 47154.97, "finance_charge": 6000.09, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8273330, VIN JF2GUSND0T8273330. $786 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,734, before any dealer documentation fee. Amount financed $41,155, including $2,421 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,155. 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"}, {"offer_id": "of_JF2GUSND0T8273330_finance_72", "type": "finance_72", "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": 38734.0, "price_incl_doc": 38734.0, "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": 681.86, "amount_financed": 41154.88, "sales_tax": 2420.88, "total_of_payments": 49093.99, "finance_charge": 7939.11, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8273330, VIN JF2GUSND0T8273330. $682 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,734, before any dealer documentation fee. Amount financed $41,155, including $2,421 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,094. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8273330_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 611, "unit": "per_month", "display": "$611/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38734.0, "price_incl_doc": 38734.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 610.93, "amount_financed": 41154.88, "sales_tax": 2420.88, "total_of_payments": 51317.91, "finance_charge": 10163.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8273330, VIN JF2GUSND0T8273330. $611 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,734, before any dealer documentation fee. Amount financed $41,155, including $2,421 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,318. 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_JF2GUSND0T8273330_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38734.0, "selling_price": 38734.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 552.93, "net_cap_cost": 39329.0, "residual_value": 24015.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 712.93}, "total_of_payments": 19908, "total_of_payments_unrounded": 19905.48}, "disclosure": "Estimated lease payment for stock #T8273330, VIN JF2GUSND0T8273330. $553 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $713, made up of $553 first payment, $60 title, $100 registration. MSRP $38,734. Lease selling price $38,734. Net capitalized cost $39,329. Residual value $24,015, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,908. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8273330_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38734.0, "selling_price": 38734.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 459.64, "net_cap_cost": 36330.0, "residual_value": 24015.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 459.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3618.64}, "total_of_payments": 16560, "total_of_payments_unrounded": 16547.04}, "disclosure": "Estimated lease payment for stock #T8273330, VIN JF2GUSND0T8273330. $460 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,619, made up of $460 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,734. Lease selling price $38,734. Net capitalized cost $36,330. Residual value $24,015, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,560. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 393}}, {"vin": "JF2BUPBD3TY566148", "title": "2026 Subaru Outback Premium", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 37146.0, "msrp": 39931.0, "sale_price": 37146.0, "currency": "USD", "mileage": 5, "exterior_color": "River Rock Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260580", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD3TY566148_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39931.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPBD3TY566148.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd3ty566148/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd3ty566148/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPBD3TY566148.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD3TY566148.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD3TY566148.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd3ty566148/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,785. This offer applies to Stock #MS260580, VIN JF2BUPBD3TY566148. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,931. Advertised price: $37,146. Savings: $2,785, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,931"}, {"label": "Advertised price", "value": "$37,146"}, {"label": "Savings", "value": "$2,785, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,785", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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", "features": ["Side-Impact Airbags", "Push Start", "Heated Seats", "Leather Seats", "Keyless Ignition", "Bluetooth", "Keyless Entry", "Rear View Camera", "Lane Departure Warning", "Blind Spot Sensors", "Satellite Radio", "Apple CarPlay", "Android Auto", "Adaptive Cruise Control", "Fog Lights", "Forward Collision Warning"], "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "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": 37146.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPBD3TY566148_finance_60", "type": "finance_60", "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": 37146.0, "price_incl_doc": 37146.0, "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": 753.7, "amount_financed": 39467.63, "sales_tax": 2321.63, "total_of_payments": 45221.73, "finance_charge": 5754.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260580, VIN JF2BUPBD3TY566148. $754 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,146, before any dealer documentation fee. Amount financed $39,468, including $2,322 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,222. 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"}, {"offer_id": "of_JF2BUPBD3TY566148_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": 37146.0, "price_incl_doc": 37146.0, "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": 653.91, "amount_financed": 39467.63, "sales_tax": 2321.63, "total_of_payments": 47081.25, "finance_charge": 7613.62, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260580, VIN JF2BUPBD3TY566148. $654 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,146, before any dealer documentation fee. Amount financed $39,468, including $2,322 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,081. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD3TY566148_finance_84", "type": "finance_84", "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": 37146.0, "price_incl_doc": 37146.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.88, "amount_financed": 39467.63, "sales_tax": 2321.63, "total_of_payments": 49214.0, "finance_charge": 9746.37, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260580, VIN JF2BUPBD3TY566148. $586 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,146, before any dealer documentation fee. Amount financed $39,468, including $2,322 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,214. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD3TY566148_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39931.0, "selling_price": 37146.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 482.81, "net_cap_cost": 37741.0, "residual_value": 24757.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 482.81, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 642.81}, "total_of_payments": 17388, "total_of_payments_unrounded": 17381.16}, "disclosure": "Estimated lease payment for stock #MS260580, VIN JF2BUPBD3TY566148. $483 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $643, made up of $483 first payment, $60 title, $100 registration. MSRP $39,931. Lease selling price $37,146. Net capitalized cost $37,741. Residual value $24,757, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,388. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD3TY566148_lease", "type": "lease", "label": "Lease", "headline": {"value": 390, "unit": "per_month", "display": "$390/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39931.0, "selling_price": 37146.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 389.52, "net_cap_cost": 34742.0, "residual_value": 24757.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 389.52, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3548.52}, "total_of_payments": 14040, "total_of_payments_unrounded": 14022.72}, "disclosure": "Estimated lease payment for stock #MS260580, VIN JF2BUPBD3TY566148. $390 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,549, made up of $390 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,931. Lease selling price $37,146. Net capitalized cost $34,742. Residual value $24,757, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,040. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 393}}, {"vin": "JF2GUSGD3T8267809", "title": "2026 Subaru Crosstrek Sport Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport Hybrid", "decoded_trim": "Sport", "condition": "new", "price": 34974.0, "msrp": 36876.0, "sale_price": 34974.0, "currency": "USD", "mileage": 6, "exterior_color": "Citron Yellow Pearl", "interior_color": "Sport Cloth", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "Gas/Electric H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 36, "mpg_hwy": 36, "range_miles": null, "battery_kwh": null, "stock_number": "MS260520", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD3T8267809_22.jpg"], "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": 36876.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSGD3T8267809.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd3t8267809/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd3t8267809/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSGD3T8267809.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSGD3T8267809.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSGD3T8267809.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd3t8267809/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,902. This offer applies to Stock #MS260520, VIN JF2GUSGD3T8267809. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $36,876. Advertised price: $34,974. Savings: $1,902, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$36,876"}, {"label": "Advertised price", "value": "$34,974"}, {"label": "Savings", "value": "$1,902, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,902", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:07Z", "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": 34974.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSGD3T8267809_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": 34974.0, "price_incl_doc": 34974.0, "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": 709.63, "amount_financed": 37159.88, "sales_tax": 2185.88, "total_of_payments": 42577.52, "finance_charge": 5417.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260520, VIN JF2GUSGD3T8267809. $710 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,974, before any dealer documentation fee. Amount financed $37,160, including $2,186 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,578. 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_JF2GUSGD3T8267809_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": 34974.0, "price_incl_doc": 34974.0, "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": 615.67, "amount_financed": 37159.88, "sales_tax": 2185.88, "total_of_payments": 44328.32, "finance_charge": 7168.44, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260520, VIN JF2GUSGD3T8267809. $616 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,974, before any dealer documentation fee. Amount financed $37,160, including $2,186 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,328. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD3T8267809_finance_84", "type": "finance_84", "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": 34974.0, "price_incl_doc": 34974.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 551.62, "amount_financed": 37159.88, "sales_tax": 2185.88, "total_of_payments": 46336.37, "finance_charge": 9176.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260520, VIN JF2GUSGD3T8267809. $552 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,974, before any dealer documentation fee. Amount financed $37,160, including $2,186 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,336. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD3T8267809_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 468, "unit": "per_month", "display": "$468/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36876.0, "selling_price": 34974.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 468.13, "net_cap_cost": 35569.0, "residual_value": 22863.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 468.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 628.13}, "total_of_payments": 16848, "total_of_payments_unrounded": 16852.68}, "disclosure": "Estimated lease payment for stock #MS260520, VIN JF2GUSGD3T8267809. $468 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $628, made up of $468 first payment, $60 title, $100 registration. MSRP $36,876. Lease selling price $34,974. Net capitalized cost $35,569. Residual value $22,863, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,848. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD3T8267809_lease", "type": "lease", "label": "Lease", "headline": {"value": 375, "unit": "per_month", "display": "$375/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36876.0, "selling_price": 34974.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 374.83, "net_cap_cost": 32570.0, "residual_value": 22863.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 374.83, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3533.83}, "total_of_payments": 13500, "total_of_payments_unrounded": 13493.88}, "disclosure": "Estimated lease payment for stock #MS260520, VIN JF2GUSGD3T8267809. $375 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,534, made up of $375 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,876. Lease selling price $34,974. Net capitalized cost $32,570. Residual value $22,863, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,500. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 394}}, {"vin": "4S4GUHM62T3804279", "title": "2026 Subaru Crosstrek Limited", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited", "decoded_trim": null, "condition": "new", "price": 38188.0, "msrp": 38188.0, "sale_price": 38188.0, "currency": "USD", "mileage": null, "exterior_color": "Alpine Green", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3804279", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHM62T3804279_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "trim": null, "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": 38188.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHM62T3804279.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm62t3804279/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm62t3804279/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHM62T3804279.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM62T3804279.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM62T3804279.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm62t3804279/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3804279, VIN 4S4GUHM62T3804279. Advertised price: $38,188. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$38,188"}], "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": "2026-07-26T16:50:07Z", "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": 38188.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHM62T3804279_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": 38188.0, "price_incl_doc": 38188.0, "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": 774.84, "amount_financed": 40574.75, "sales_tax": 2386.75, "total_of_payments": 46490.26, "finance_charge": 5915.51, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3804279, VIN 4S4GUHM62T3804279. $775 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,188, before any dealer documentation fee. Amount financed $40,575, including $2,387 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,490. 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_4S4GUHM62T3804279_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": 38188.0, "price_incl_doc": 38188.0, "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": 672.25, "amount_financed": 40574.75, "sales_tax": 2386.75, "total_of_payments": 48401.95, "finance_charge": 7827.2, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3804279, VIN 4S4GUHM62T3804279. $672 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,188, before any dealer documentation fee. Amount financed $40,575, including $2,387 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,402. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM62T3804279_finance_84", "type": "finance_84", "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": 38188.0, "price_incl_doc": 38188.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 602.32, "amount_financed": 40574.75, "sales_tax": 2386.75, "total_of_payments": 50594.52, "finance_charge": 10019.77, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3804279, VIN 4S4GUHM62T3804279. $602 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,188, before any dealer documentation fee. Amount financed $40,575, including $2,387 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,595. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM62T3804279_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38188.0, "selling_price": 38188.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 545.39, "net_cap_cost": 38783.0, "residual_value": 23676.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 545.39, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 705.39}, "total_of_payments": 19620, "total_of_payments_unrounded": 19634.04}, "disclosure": "Estimated lease payment for stock #T3804279, VIN 4S4GUHM62T3804279. $545 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $705, made up of $545 first payment, $60 title, $100 registration. MSRP $38,188. Lease selling price $38,188. Net capitalized cost $38,783. Residual value $23,677, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,620. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM62T3804279_lease", "type": "lease", "label": "Lease", "headline": {"value": 452, "unit": "per_month", "display": "$452/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38188.0, "selling_price": 38188.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 452.1, "net_cap_cost": 35784.0, "residual_value": 23676.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 452.1, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3611.1}, "total_of_payments": 16272, "total_of_payments_unrounded": 16275.6}, "disclosure": "Estimated lease payment for stock #T3804279, VIN 4S4GUHM62T3804279. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,611, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,188. Lease selling price $38,188. Net capitalized cost $35,784. Residual value $23,677, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,272. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 393}}, {"vin": "JF2BUPDD3TY562100", "title": "2026 Subaru Outback Limited", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Limited", "decoded_trim": "Limited", "condition": "new", "price": 41634.0, "msrp": 44332.0, "sale_price": 41634.0, "currency": "USD", "mileage": 5, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260578", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPDD3TY562100_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 44332.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPDD3TY562100.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd3ty562100/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd3ty562100/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPDD3TY562100.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD3TY562100.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD3TY562100.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd3ty562100/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,698. This offer applies to Stock #MS260578, VIN JF2BUPDD3TY562100. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $44,332. Advertised price: $41,634. Savings: $2,698, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$44,332"}, {"label": "Advertised price", "value": "$41,634"}, {"label": "Savings", "value": "$2,698, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,698", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:07Z", "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": 41634.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPDD3TY562100_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": 41634.0, "price_incl_doc": 41634.0, "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": 844.76, "amount_financed": 44236.13, "sales_tax": 2602.13, "total_of_payments": 50685.44, "finance_charge": 6449.31, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260578, VIN JF2BUPDD3TY562100. $845 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,634, before any dealer documentation fee. Amount financed $44,236, including $2,602 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,685. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD3TY562100_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": 41634.0, "price_incl_doc": 41634.0, "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": 732.91, "amount_financed": 44236.13, "sales_tax": 2602.13, "total_of_payments": 52769.64, "finance_charge": 8533.51, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260578, VIN JF2BUPDD3TY562100. $733 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,634, before any dealer documentation fee. Amount financed $44,236, including $2,602 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,770. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD3TY562100_finance_84", "type": "finance_84", "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": 41634.0, "price_incl_doc": 41634.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 656.67, "amount_financed": 44236.13, "sales_tax": 2602.13, "total_of_payments": 55160.07, "finance_charge": 10923.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260578, VIN JF2BUPDD3TY562100. $657 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,634, before any dealer documentation fee. Amount financed $44,236, including $2,602 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,160. 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_JF2BUPDD3TY562100_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44332.0, "selling_price": 41634.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 546.24, "net_cap_cost": 42229.0, "residual_value": 27485.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 706.24}, "total_of_payments": 19656, "total_of_payments_unrounded": 19664.64}, "disclosure": "Estimated lease payment for stock #MS260578, VIN JF2BUPDD3TY562100. $546 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $706, made up of $546 first payment, $60 title, $100 registration. MSRP $44,332. Lease selling price $41,634. Net capitalized cost $42,229. Residual value $27,486, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD3TY562100_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44332.0, "selling_price": 41634.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 452.94, "net_cap_cost": 39230.0, "residual_value": 27485.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 452.94, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3611.94}, "total_of_payments": 16308, "total_of_payments_unrounded": 16305.84}, "disclosure": "Estimated lease payment for stock #MS260578, VIN JF2BUPDD3TY562100. $453 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,612, made up of $453 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $44,332. Lease selling price $41,634. Net capitalized cost $39,230. Residual value $27,486, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,308. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 380}}, {"vin": "JF2BURLD4TY543701", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 46338.0, "msrp": 49455.0, "sale_price": 46338.0, "currency": "USD", "mileage": 3, "exterior_color": "Geyser Blue", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260414", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 33, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/19832189a51f4958b70e8f54cbd71b31.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/19832189a51f4958b70e8f54cbd71b31.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/851ab678ebf046b0b458862312652574.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c23c1fb51d344b0c8f98c73f4580c0a2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7e365ebe7f9a4b528da705306f9862a2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ec01d3a1e67b4d81a2de04370e746ec7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/96884964f5814423a5a7175d7299ed50.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d173f3202de24a6a9f82c32be8d0d9c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2b223ee6225242768612aa88170a9761.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6fadb873093443eea67285d28baec8f2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d5501cd83da4f9dbe935c0f193d9082.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c86337b2eff74b02bafa5c06ffd97b41.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/34be12f667114456b0b6df9b4c75f8f8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b8873e63b146408fb022882b2a61dab0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ce4c92f611e24391b4042f1e3669296f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/34dbeea613e54165bc36d71af347ab66.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1918b8b1c81f48d0820de94e4787127b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/53393e99ac5e47fbb919a3d8f72d3195.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fbd2b2e5db18443e99196fdcaa291b72.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9c657ab4a394269acce7fd09efc4cec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/14b866ec8cfa4f07aa3a735a3ac7f0b9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dfbe0e0dfc5b42bdabae929a34dc64c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b97aef86114b4b46894705ae41d5317c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6674a3b12e5a4273a487abc330db73f1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f19892188214419bb9563adbd1037935.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/747145b092e844719ceec443f4882a14.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d37632263d7640549474aec8061c761c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e23fe07a807f4b7e939b80e7b53289b0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/203f45c31a5445a590b2cbad24042be0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/697d177f1f334048b49d4fb98d1836bd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e9d3dbc95a97424daeff5d10d9932847.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/76cd2e239829454fa64cf699c25ecd2e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/71dcd8d1ac94409da9e78eeadcb612b2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b3ef3e1a86cd4181ba260a1f94b03221.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "trim": "Wilderness", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49455.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURLD4TY543701.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burld4ty543701/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burld4ty543701/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURLD4TY543701.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURLD4TY543701.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURLD4TY543701.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burld4ty543701/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,117. This offer applies to Stock #MS260414, VIN JF2BURLD4TY543701. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $49,455. Advertised price: $46,338. Savings: $3,117, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$49,455"}, {"label": "Advertised price", "value": "$46,338"}, {"label": "Savings", "value": "$3,117, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,117", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 46338.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURLD4TY543701_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 940, "unit": "per_month", "display": "$940/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46338.0, "price_incl_doc": 46338.0, "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": 940.2, "amount_financed": 49234.13, "sales_tax": 2896.13, "total_of_payments": 56412.11, "finance_charge": 7177.98, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260414, VIN JF2BURLD4TY543701. $940 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,338, before any dealer documentation fee. Amount financed $49,234, including $2,896 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,412. 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_JF2BURLD4TY543701_finance_72", "type": "finance_72", "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": 46338.0, "price_incl_doc": 46338.0, "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": 815.72, "amount_financed": 49234.13, "sales_tax": 2896.13, "total_of_payments": 58731.79, "finance_charge": 9497.66, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260414, VIN JF2BURLD4TY543701. $816 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,338, before any dealer documentation fee. Amount financed $49,234, including $2,896 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,732. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLD4TY543701_finance_84", "type": "finance_84", "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": 46338.0, "price_incl_doc": 46338.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 730.86, "amount_financed": 49234.13, "sales_tax": 2896.13, "total_of_payments": 61392.3, "finance_charge": 12158.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260414, VIN JF2BURLD4TY543701. $731 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,338, before any dealer documentation fee. Amount financed $49,234, including $2,896 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,392. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLD4TY543701_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 604, "unit": "per_month", "display": "$604/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49455.0, "selling_price": 46338.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 603.88, "net_cap_cost": 46933.0, "residual_value": 30662.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 603.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 763.88}, "total_of_payments": 21744, "total_of_payments_unrounded": 21739.68}, "disclosure": "Estimated lease payment for stock #MS260414, VIN JF2BURLD4TY543701. $604 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $764, made up of $604 first payment, $60 title, $100 registration. MSRP $49,455. Lease selling price $46,338. Net capitalized cost $46,933. Residual value $30,662, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,744. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLD4TY543701_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49455.0, "selling_price": 46338.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 510.59, "net_cap_cost": 43934.0, "residual_value": 30662.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 510.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3669.59}, "total_of_payments": 18396, "total_of_payments_unrounded": 18381.24}, "disclosure": "Estimated lease payment for stock #MS260414, VIN JF2BURLD4TY543701. $511 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,670, made up of $511 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,455. Lease selling price $46,338. Net capitalized cost $43,934. Residual value $30,662, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,396. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 411}}, {"vin": "JF1VBAH63T9808332", "title": "2026 Subaru WRX Base", "year": 2026, "make": "Subaru", "model": "WRX", "trim": "Base", "decoded_trim": "Premium", "condition": "new", "price": 33846.0, "msrp": 33846.0, "sale_price": 33846.0, "currency": "USD", "mileage": 5, "exterior_color": "WR Blue Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Premium Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "6-Speed Manual w/OD", "mpg_city": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "MS260509", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://www.castlesubarumchenry.com/viewdetails/new/jf1vbah63t9808332/2026-subaru-wrx-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260509, VIN JF1VBAH63T9808332. Advertised price: $33,846. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$33,846"}], "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": "2026-07-26T16:50:08Z", "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": 33846.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1VBAH63T9808332_finance_60", "type": "finance_60", "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": 33846.0, "price_incl_doc": 33846.0, "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": 686.74, "amount_financed": 35961.38, "sales_tax": 2115.38, "total_of_payments": 41204.29, "finance_charge": 5242.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260509, VIN JF1VBAH63T9808332. $687 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,846, before any dealer documentation fee. Amount financed $35,961, including $2,115 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,204. 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_JF1VBAH63T9808332_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 596, "unit": "per_month", "display": "$596/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33846.0, "price_incl_doc": 33846.0, "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": 595.81, "amount_financed": 35961.38, "sales_tax": 2115.38, "total_of_payments": 42898.62, "finance_charge": 6937.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260509, VIN JF1VBAH63T9808332. $596 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,846, before any dealer documentation fee. Amount financed $35,961, including $2,115 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,899. 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_JF1VBAH63T9808332_finance_84", "type": "finance_84", "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": 33846.0, "price_incl_doc": 33846.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 533.83, "amount_financed": 35961.38, "sales_tax": 2115.38, "total_of_payments": 44841.9, "finance_charge": 8880.52, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260509, VIN JF1VBAH63T9808332. $534 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,846, before any dealer documentation fee. Amount financed $35,961, including $2,115 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,842. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH63T9808332_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33846.0, "selling_price": 33846.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 485.49, "net_cap_cost": 34441.0, "residual_value": 20984.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 485.49, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 645.49}, "total_of_payments": 17460, "total_of_payments_unrounded": 17477.64}, "disclosure": "Estimated lease payment for stock #MS260509, VIN JF1VBAH63T9808332. $485 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $645, made up of $485 first payment, $60 title, $100 registration. MSRP $33,846. Lease selling price $33,846. Net capitalized cost $34,441. Residual value $20,985, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,460. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH63T9808332_lease", "type": "lease", "label": "Lease", "headline": {"value": 392, "unit": "per_month", "display": "$392/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33846.0, "selling_price": 33846.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 392.2, "net_cap_cost": 31442.0, "residual_value": 20984.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 392.2, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3551.2}, "total_of_payments": 14112, "total_of_payments_unrounded": 14119.2}, "disclosure": "Estimated lease payment for stock #MS260509, VIN JF1VBAH63T9808332. $392 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,551, made up of $392 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,846. Lease selling price $33,846. Net capitalized cost $31,442. Residual value $20,985, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,112. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 413}}, {"vin": "4S4WMAHD2T3433152", "title": "2026 Subaru Ascent Limited Bronze Edition 7-Passenger", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Limited Bronze Edition 7-Passenger", "decoded_trim": "Limited Bronze", "condition": "new", "price": 51426.0, "msrp": 51426.0, "sale_price": 51426.0, "currency": "USD", "mileage": null, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.4L 4-Cylinder", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3433152", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAHD2T3433152_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Ascent", "year": 2026, "trim": "Limited Bronze", "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": 51426.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4WMAHD2T3433152.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmahd2t3433152/2026-subaru-ascent-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmahd2t3433152/2026-subaru-ascent-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4WMAHD2T3433152.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4WMAHD2T3433152.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4WMAHD2T3433152.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmahd2t3433152/2026-subaru-ascent-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3433152, VIN 4S4WMAHD2T3433152. Advertised price: $51,426. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$51,426"}], "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": "2026-07-26T16:50:08Z", "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": 51426.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMAHD2T3433152_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1043, "unit": "per_month", "display": "$1,043/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51426.0, "price_incl_doc": 51426.0, "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": 1043.44, "amount_financed": 54640.13, "sales_tax": 3214.13, "total_of_payments": 62606.27, "finance_charge": 7966.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3433152, VIN 4S4WMAHD2T3433152. $1,043 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,426, before any dealer documentation fee. Amount financed $54,640, including $3,214 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,606. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAHD2T3433152_finance_72", "type": "finance_72", "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": 51426.0, "price_incl_doc": 51426.0, "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": 905.29, "amount_financed": 54640.13, "sales_tax": 3214.13, "total_of_payments": 65180.65, "finance_charge": 10540.52, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3433152, VIN 4S4WMAHD2T3433152. $905 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,426, before any dealer documentation fee. Amount financed $54,640, including $3,214 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,181. 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_4S4WMAHD2T3433152_finance_84", "type": "finance_84", "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": 51426.0, "price_incl_doc": 51426.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 811.11, "amount_financed": 54640.13, "sales_tax": 3214.13, "total_of_payments": 68133.29, "finance_charge": 13493.16, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3433152, VIN 4S4WMAHD2T3433152. $811 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,426, before any dealer documentation fee. Amount financed $54,640, including $3,214 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,133. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAHD2T3433152_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51426.0, "selling_price": 51426.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 728.04, "net_cap_cost": 52021.0, "residual_value": 31884.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 728.04, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 888.04}, "total_of_payments": 26208, "total_of_payments_unrounded": 26209.44}, "disclosure": "Estimated lease payment for stock #T3433152, VIN 4S4WMAHD2T3433152. $728 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $888, made up of $728 first payment, $60 title, $100 registration. MSRP $51,426. Lease selling price $51,426. Net capitalized cost $52,021. Residual value $31,884, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $26,208. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAHD2T3433152_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51426.0, "selling_price": 51426.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 634.75, "net_cap_cost": 49022.0, "residual_value": 31884.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 634.75, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3793.75}, "total_of_payments": 22860, "total_of_payments_unrounded": 22851.0}, "disclosure": "Estimated lease payment for stock #T3433152, VIN 4S4WMAHD2T3433152. $635 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,794, made up of $635 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,426. Lease selling price $51,426. Net capitalized cost $49,022. Residual value $31,884, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,860. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 415}}, {"vin": "JF2BUPAD0TY567159", "title": "2026 Subaru Outback Premium", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 35065.0, "msrp": 36969.0, "sale_price": 35065.0, "currency": "USD", "mileage": 5, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260570", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD0TY567159_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36969.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPAD0TY567159.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupad0ty567159/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupad0ty567159/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPAD0TY567159.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPAD0TY567159.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPAD0TY567159.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupad0ty567159/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,904. This offer applies to Stock #MS260570, VIN JF2BUPAD0TY567159. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $36,969. Advertised price: $35,065. Savings: $1,904, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$36,969"}, {"label": "Advertised price", "value": "$35,065"}, {"label": "Savings", "value": "$1,904, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,904", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 35065.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPAD0TY567159_finance_60", "type": "finance_60", "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": 35065.0, "price_incl_doc": 35065.0, "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": 711.47, "amount_financed": 37256.56, "sales_tax": 2191.56, "total_of_payments": 42688.3, "finance_charge": 5431.74, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260570, VIN JF2BUPAD0TY567159. $711 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,065, before any dealer documentation fee. Amount financed $37,257, including $2,192 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,688. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPAD0TY567159_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 617, "unit": "per_month", "display": "$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": 35065.0, "price_incl_doc": 35065.0, "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": 617.27, "amount_financed": 37256.56, "sales_tax": 2191.56, "total_of_payments": 44443.65, "finance_charge": 7187.09, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260570, VIN JF2BUPAD0TY567159. $617 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,065, before any dealer documentation fee. Amount financed $37,257, including $2,192 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,444. 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_JF2BUPAD0TY567159_finance_84", "type": "finance_84", "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": 35065.0, "price_incl_doc": 35065.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.06, "amount_financed": 37256.56, "sales_tax": 2191.56, "total_of_payments": 46456.92, "finance_charge": 9200.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260570, VIN JF2BUPAD0TY567159. $553 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,065, before any dealer documentation fee. Amount financed $37,257, including $2,192 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,457. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPAD0TY567159_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36969.0, "selling_price": 35065.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 469.35, "net_cap_cost": 35660.0, "residual_value": 22920.78, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 469.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 629.35}, "total_of_payments": 16884, "total_of_payments_unrounded": 16896.6}, "disclosure": "Estimated lease payment for stock #MS260570, VIN JF2BUPAD0TY567159. $469 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $629, made up of $469 first payment, $60 title, $100 registration. MSRP $36,969. Lease selling price $35,065. Net capitalized cost $35,660. Residual value $22,921, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,884. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPAD0TY567159_lease", "type": "lease", "label": "Lease", "headline": {"value": 376, "unit": "per_month", "display": "$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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36969.0, "selling_price": 35065.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 376.06, "net_cap_cost": 32661.0, "residual_value": 22920.78, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 376.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3535.06}, "total_of_payments": 13536, "total_of_payments_unrounded": 13538.16}, "disclosure": "Estimated lease payment for stock #MS260570, VIN JF2BUPAD0TY567159. $376 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,535, made up of $376 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,969. Lease selling price $35,065. Net capitalized cost $32,661. Residual value $22,921, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,536. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 431}}, {"vin": "JF2GUSND3T8279834", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 39709.0, "msrp": 39709.0, "sale_price": 39709.0, "currency": "USD", "mileage": null, "exterior_color": "Sand Dune Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8279834", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND3T8279834_22.jpg"], "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": 39709.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSND3T8279834.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd3t8279834/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd3t8279834/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND3T8279834.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND3T8279834.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND3T8279834.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd3t8279834/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8279834, VIN JF2GUSND3T8279834. Advertised price: $39,709. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$39,709"}], "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": "2026-07-26T16:50:08Z", "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": 39709.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND3T8279834_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": 39709.0, "price_incl_doc": 39709.0, "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": 805.7, "amount_financed": 42190.81, "sales_tax": 2481.81, "total_of_payments": 48341.93, "finance_charge": 6151.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8279834, VIN JF2GUSND3T8279834. $806 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,709, before any dealer documentation fee. Amount financed $42,191, including $2,482 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,342. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND3T8279834_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": 39709.0, "price_incl_doc": 39709.0, "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": 699.02, "amount_financed": 42190.81, "sales_tax": 2481.81, "total_of_payments": 50329.76, "finance_charge": 8138.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8279834, VIN JF2GUSND3T8279834. $699 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,709, before any dealer documentation fee. Amount financed $42,191, including $2,482 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,330. 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_JF2GUSND3T8279834_finance_84", "type": "finance_84", "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": 39709.0, "price_incl_doc": 39709.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 626.31, "amount_financed": 42190.81, "sales_tax": 2481.81, "total_of_payments": 52609.66, "finance_charge": 10418.85, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8279834, VIN JF2GUSND3T8279834. $626 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,709, before any dealer documentation fee. Amount financed $42,191, including $2,482 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $52,610. 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_JF2GUSND3T8279834_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39709.0, "selling_price": 39709.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 566.38, "net_cap_cost": 40304.0, "residual_value": 24619.58, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 566.38, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 726.38}, "total_of_payments": 20376, "total_of_payments_unrounded": 20389.68}, "disclosure": "Estimated lease payment for stock #T8279834, VIN JF2GUSND3T8279834. $566 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $726, made up of $566 first payment, $60 title, $100 registration. MSRP $39,709. Lease selling price $39,709. Net capitalized cost $40,304. Residual value $24,620, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,376. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND3T8279834_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39709.0, "selling_price": 39709.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 473.09, "net_cap_cost": 37305.0, "residual_value": 24619.58, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 473.09, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3632.09}, "total_of_payments": 17028, "total_of_payments_unrounded": 17031.24}, "disclosure": "Estimated lease payment for stock #T8279834, VIN JF2GUSND3T8279834. $473 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,632, made up of $473 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,709. Lease selling price $39,709. Net capitalized cost $37,305. Residual value $24,620, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,028. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 436}}, {"vin": "JF2GUSND0T8274400", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 38734.0, "msrp": 38734.0, "sale_price": 38734.0, "currency": "USD", "mileage": null, "exterior_color": "Pure Red", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8274400", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274400_22.jpg"], "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": 38734.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSND0T8274400.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8274400/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8274400/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND0T8274400.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND0T8274400.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND0T8274400.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8274400/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8274400, VIN JF2GUSND0T8274400. Advertised price: $38,734. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$38,734"}], "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": "2026-07-26T16:50:08Z", "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": 38734.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND0T8274400_finance_60", "type": "finance_60", "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": 38734.0, "price_incl_doc": 38734.0, "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": 785.92, "amount_financed": 41154.88, "sales_tax": 2420.88, "total_of_payments": 47154.97, "finance_charge": 6000.09, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274400, VIN JF2GUSND0T8274400. $786 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,734, before any dealer documentation fee. Amount financed $41,155, including $2,421 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,155. 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"}, {"offer_id": "of_JF2GUSND0T8274400_finance_72", "type": "finance_72", "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": 38734.0, "price_incl_doc": 38734.0, "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": 681.86, "amount_financed": 41154.88, "sales_tax": 2420.88, "total_of_payments": 49093.99, "finance_charge": 7939.11, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274400, VIN JF2GUSND0T8274400. $682 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,734, before any dealer documentation fee. Amount financed $41,155, including $2,421 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,094. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8274400_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 611, "unit": "per_month", "display": "$611/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38734.0, "price_incl_doc": 38734.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 610.93, "amount_financed": 41154.88, "sales_tax": 2420.88, "total_of_payments": 51317.91, "finance_charge": 10163.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274400, VIN JF2GUSND0T8274400. $611 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,734, before any dealer documentation fee. Amount financed $41,155, including $2,421 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,318. 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_JF2GUSND0T8274400_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38734.0, "selling_price": 38734.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 552.93, "net_cap_cost": 39329.0, "residual_value": 24015.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 712.93}, "total_of_payments": 19908, "total_of_payments_unrounded": 19905.48}, "disclosure": "Estimated lease payment for stock #T8274400, VIN JF2GUSND0T8274400. $553 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $713, made up of $553 first payment, $60 title, $100 registration. MSRP $38,734. Lease selling price $38,734. Net capitalized cost $39,329. Residual value $24,015, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,908. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8274400_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38734.0, "selling_price": 38734.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 459.64, "net_cap_cost": 36330.0, "residual_value": 24015.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 459.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3618.64}, "total_of_payments": 16560, "total_of_payments_unrounded": 16547.04}, "disclosure": "Estimated lease payment for stock #T8274400, VIN JF2GUSND0T8274400. $460 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,619, made up of $460 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,734. Lease selling price $38,734. Net capitalized cost $36,330. Residual value $24,015, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,560. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 438}}, {"vin": "4S4SLDL62T3119576", "title": "2026 Subaru Forester Wilderness", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 39134.0, "msrp": 41697.0, "sale_price": 39134.0, "currency": "USD", "mileage": 7, "exterior_color": "CRYSTAL WHITE PEARL", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, 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"short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldl62t3119576/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDL62T3119576.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDL62T3119576.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDL62T3119576.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldl62t3119576/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,563. This offer applies to Stock #MS260451, VIN 4S4SLDL62T3119576. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $41,697. Advertised price: $39,134. Savings: $2,563, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$41,697"}, {"label": "Advertised price", "value": "$39,134"}, {"label": "Savings", "value": "$2,563, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,563", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 39134.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDL62T3119576_finance_60", "type": "finance_60", "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": 39134.0, "price_incl_doc": 39134.0, "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": 794.03, "amount_financed": 41579.88, "sales_tax": 2445.88, "total_of_payments": 47641.93, "finance_charge": 6062.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260451, VIN 4S4SLDL62T3119576. $794 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,134, before any dealer documentation fee. Amount financed $41,580, including $2,446 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,642. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL62T3119576_finance_72", "type": "finance_72", "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": 39134.0, "price_incl_doc": 39134.0, "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": 688.9, "amount_financed": 41579.88, "sales_tax": 2445.88, "total_of_payments": 49600.98, "finance_charge": 8021.1, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260451, VIN 4S4SLDL62T3119576. $689 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,134, before any dealer documentation fee. Amount financed $41,580, including $2,446 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,601. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL62T3119576_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 617, "unit": "per_month", "display": "$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": 39134.0, "price_incl_doc": 39134.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 617.24, "amount_financed": 41579.88, "sales_tax": 2445.88, "total_of_payments": 51847.87, "finance_charge": 10267.99, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260451, VIN 4S4SLDL62T3119576. $617 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,134, before any dealer documentation fee. Amount financed $41,580, including $2,446 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,848. 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"}, {"offer_id": "of_4S4SLDL62T3119576_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41697.0, "selling_price": 39134.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 514.08, "net_cap_cost": 39729.0, "residual_value": 25852.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 514.08, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 674.08}, "total_of_payments": 18504, "total_of_payments_unrounded": 18506.88}, "disclosure": "Estimated lease payment for stock #MS260451, VIN 4S4SLDL62T3119576. $514 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $674, made up of $514 first payment, $60 title, $100 registration. MSRP $41,697. Lease selling price $39,134. Net capitalized cost $39,729. Residual value $25,852, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,504. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL62T3119576_lease", "type": "lease", "label": "Lease", "headline": {"value": 421, "unit": "per_month", "display": "$421/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41697.0, "selling_price": 39134.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 420.79, "net_cap_cost": 36730.0, "residual_value": 25852.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 420.79, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3579.79}, "total_of_payments": 15156, "total_of_payments_unrounded": 15148.44}, "disclosure": "Estimated lease payment for stock #MS260451, VIN 4S4SLDL62T3119576. $421 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,580, made up of $421 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,697. Lease selling price $39,134. Net capitalized cost $36,730. Residual value $25,852, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,156. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 445}}, {"vin": "JF2BURMD1TY494178", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 48087.0, "msrp": 51567.0, "sale_price": 48087.0, "currency": "USD", "mileage": 7, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260207", "stock_status": "Available", "availability": "In Stock", 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"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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 51567.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURMD1TY494178.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd1ty494178/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd1ty494178/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURMD1TY494178.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD1TY494178.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD1TY494178.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd1ty494178/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,480. This offer applies to Stock #MS260207, VIN JF2BURMD1TY494178. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $51,567. Advertised price: $48,087. Savings: $3,480, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$51,567"}, {"label": "Advertised price", "value": "$48,087"}, {"label": "Savings", "value": "$3,480, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,480", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 48087.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURMD1TY494178_finance_60", "type": "finance_60", "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": 48087.0, "price_incl_doc": 48087.0, "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": 975.69, "amount_financed": 51092.44, "sales_tax": 3005.44, "total_of_payments": 58541.35, "finance_charge": 7448.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260207, VIN JF2BURMD1TY494178. $976 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,087, before any dealer documentation fee. Amount financed $51,092, including $3,005 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,541. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD1TY494178_finance_72", "type": "finance_72", "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": 48087.0, "price_incl_doc": 48087.0, "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": 846.51, "amount_financed": 51092.44, "sales_tax": 3005.44, "total_of_payments": 60948.58, "finance_charge": 9856.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260207, VIN JF2BURMD1TY494178. $847 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,087, before any dealer documentation fee. Amount financed $51,092, including $3,005 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,949. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD1TY494178_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 758, "unit": "per_month", "display": "$758/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48087.0, "price_incl_doc": 48087.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.45, "amount_financed": 51092.44, "sales_tax": 3005.44, "total_of_payments": 63709.52, "finance_charge": 12617.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260207, VIN JF2BURMD1TY494178. $758 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,087, before any dealer documentation fee. Amount financed $51,092, including $3,005 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,710. 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_JF2BURMD1TY494178_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51567.0, "selling_price": 48087.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 621.73, "net_cap_cost": 48682.0, "residual_value": 31971.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 621.73, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 781.73}, "total_of_payments": 22392, "total_of_payments_unrounded": 22382.28}, "disclosure": "Estimated lease payment for stock #MS260207, VIN JF2BURMD1TY494178. $622 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $782, made up of $622 first payment, $60 title, $100 registration. MSRP $51,567. Lease selling price $48,087. Net capitalized cost $48,682. Residual value $31,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,392. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD1TY494178_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51567.0, "selling_price": 48087.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 528.44, "net_cap_cost": 45683.0, "residual_value": 31971.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.44, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3687.44}, "total_of_payments": 19008, "total_of_payments_unrounded": 19023.84}, "disclosure": "Estimated lease payment for stock #MS260207, VIN JF2BURMD1TY494178. $528 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,687, made up of $528 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,567. Lease selling price $48,087. Net capitalized cost $45,683. Residual value $31,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 464}}, {"vin": "JF2BURGD0TY543849", "title": "2026 Subaru Outback Limited XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Limited XT", "decoded_trim": "Limited", "condition": "new", "price": 44279.0, "msrp": 47179.0, "sale_price": 44279.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Emerald Green Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260417", "stock_status": "Available", "availability": "In Stock", 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"https://ai.castlesubarumchenry.com/v/JF2BURGD0TY543849.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burgd0ty543849/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,900. This offer applies to Stock #MS260417, VIN JF2BURGD0TY543849. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $47,179. Advertised price: $44,279. Savings: $2,900, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$47,179"}, {"label": "Advertised price", "value": "$44,279"}, {"label": "Savings", "value": "$2,900, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,900", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 44279.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURGD0TY543849_finance_60", "type": "finance_60", "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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44279.0, "price_incl_doc": 44279.0, "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": 898.42, "amount_financed": 47046.44, "sales_tax": 2767.44, "total_of_payments": 53905.47, "finance_charge": 6859.03, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260417, VIN JF2BURGD0TY543849. $898 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,279, before any dealer documentation fee. Amount financed $47,046, including $2,767 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,905. 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"}, {"offer_id": "of_JF2BURGD0TY543849_finance_72", "type": "finance_72", "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": 44279.0, "price_incl_doc": 44279.0, "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": 779.47, "amount_financed": 47046.44, "sales_tax": 2767.44, "total_of_payments": 56122.08, "finance_charge": 9075.64, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260417, VIN JF2BURGD0TY543849. $779 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,279, before any dealer documentation fee. Amount financed $47,046, including $2,767 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,122. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGD0TY543849_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 698, "unit": "per_month", "display": "$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": 44279.0, "price_incl_doc": 44279.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 698.39, "amount_financed": 47046.44, "sales_tax": 2767.44, "total_of_payments": 58664.37, "finance_charge": 11617.93, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260417, VIN JF2BURGD0TY543849. $698 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,279, before any dealer documentation fee. Amount financed $47,046, including $2,767 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,664. 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_JF2BURGD0TY543849_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47179.0, "selling_price": 44279.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 579.23, "net_cap_cost": 44874.0, "residual_value": 29250.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 579.23, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 739.23}, "total_of_payments": 20844, "total_of_payments_unrounded": 20852.28}, "disclosure": "Estimated lease payment for stock #MS260417, VIN JF2BURGD0TY543849. $579 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $739, made up of $579 first payment, $60 title, $100 registration. MSRP $47,179. Lease selling price $44,279. Net capitalized cost $44,874. Residual value $29,251, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,844. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGD0TY543849_lease", "type": "lease", "label": "Lease", "headline": {"value": 486, "unit": "per_month", "display": "$486/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47179.0, "selling_price": 44279.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 485.94, "net_cap_cost": 41875.0, "residual_value": 29250.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 485.94, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3644.94}, "total_of_payments": 17496, "total_of_payments_unrounded": 17493.84}, "disclosure": "Estimated lease payment for stock #MS260417, VIN JF2BURGD0TY543849. $486 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,645, made up of $486 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $47,179. Lease selling price $44,279. Net capitalized cost $41,875. Residual value $29,251, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,496. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 431}}, {"vin": "4S4SLDH62T3119571", "title": "2026 Subaru Forester Sport Onyx Edition", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Sport Onyx Edition", "decoded_trim": "Sport", "condition": "new", "price": 36993.0, "msrp": 39363.0, "sale_price": 36993.0, "currency": "USD", "mileage": null, "exterior_color": "River Rock Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "MS260476", "stock_status": "Available", "availability": "In Stock", 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"https://ai.castlesubarumchenry.com/sticker/4S4SLDH62T3119571.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh62t3119571/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh62t3119571/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDH62T3119571.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDH62T3119571.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDH62T3119571.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh62t3119571/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,370. This offer applies to Stock #MS260476, VIN 4S4SLDH62T3119571. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,363. Advertised price: $36,993. Savings: $2,370, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,363"}, {"label": "Advertised price", "value": "$36,993"}, {"label": "Savings", "value": "$2,370, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,370", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 36993.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDH62T3119571_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": 36993.0, "price_incl_doc": 36993.0, "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": 750.59, "amount_financed": 39305.06, "sales_tax": 2312.06, "total_of_payments": 45035.46, "finance_charge": 5730.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260476, VIN 4S4SLDH62T3119571. $751 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,993, before any dealer documentation fee. Amount financed $39,305, including $2,312 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,035. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH62T3119571_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": 36993.0, "price_incl_doc": 36993.0, "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": 651.21, "amount_financed": 39305.06, "sales_tax": 2312.06, "total_of_payments": 46887.32, "finance_charge": 7582.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260476, VIN 4S4SLDH62T3119571. $651 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,993, before any dealer documentation fee. Amount financed $39,305, including $2,312 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,887. 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_4S4SLDH62T3119571_finance_84", "type": "finance_84", "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": 36993.0, "price_incl_doc": 36993.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.47, "amount_financed": 39305.06, "sales_tax": 2312.06, "total_of_payments": 49011.29, "finance_charge": 9706.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260476, VIN 4S4SLDH62T3119571. $583 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,993, before any dealer documentation fee. Amount financed $39,305, including $2,312 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,011. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH62T3119571_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 488, "unit": "per_month", "display": "$488/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39363.0, "selling_price": 36993.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 487.88, "net_cap_cost": 37588.0, "residual_value": 24405.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 487.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 647.88}, "total_of_payments": 17568, "total_of_payments_unrounded": 17563.68}, "disclosure": "Estimated lease payment for stock #MS260476, VIN 4S4SLDH62T3119571. $488 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $648, made up of $488 first payment, $60 title, $100 registration. MSRP $39,363. Lease selling price $36,993. Net capitalized cost $37,588. Residual value $24,405, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,568. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH62T3119571_lease", "type": "lease", "label": "Lease", "headline": {"value": 395, "unit": "per_month", "display": "$395/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39363.0, "selling_price": 36993.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 394.59, "net_cap_cost": 34589.0, "residual_value": 24405.06, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 394.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3553.59}, "total_of_payments": 14220, "total_of_payments_unrounded": 14205.24}, "disclosure": "Estimated lease payment for stock #MS260476, VIN 4S4SLDH62T3119571. $395 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,554, made up of $395 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,363. Lease selling price $36,993. Net capitalized cost $34,589. Residual value $24,405, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,220. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 432}}, {"vin": "4S4WMAKD2T3433063", "title": "2026 Subaru Ascent Touring 7-Passenger", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Touring 7-Passenger", "decoded_trim": "Touring", "condition": "new", "price": 54184.0, "msrp": 54184.0, "sale_price": 54184.0, "currency": "USD", "mileage": null, "exterior_color": "Autumn Green Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.4L 4-Cylinder", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3433063", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433063_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Ascent", "year": 2026, "trim": "Touring", "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": 54184.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4WMAKD2T3433063.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmakd2t3433063/2026-subaru-ascent-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmakd2t3433063/2026-subaru-ascent-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4WMAKD2T3433063.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4WMAKD2T3433063.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4WMAKD2T3433063.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmakd2t3433063/2026-subaru-ascent-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3433063, VIN 4S4WMAKD2T3433063. Advertised price: $54,184. 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": "$54,184"}], "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": "2026-07-26T16:50:08Z", "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": 54184.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMAKD2T3433063_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1099, "unit": "per_month", "display": "$1,099/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 54184.0, "price_incl_doc": 54184.0, "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": 1099.4, "amount_financed": 57570.5, "sales_tax": 3386.5, "total_of_payments": 65963.86, "finance_charge": 8393.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3433063, VIN 4S4WMAKD2T3433063. $1,099 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $54,184, before any dealer documentation fee. Amount financed $57,570, including $3,386 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $65,964. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAKD2T3433063_finance_72", "type": "finance_72", "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": 54184.0, "price_incl_doc": 54184.0, "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": 953.84, "amount_financed": 57570.5, "sales_tax": 3386.5, "total_of_payments": 68676.31, "finance_charge": 11105.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3433063, VIN 4S4WMAKD2T3433063. $954 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $54,184, before any dealer documentation fee. Amount financed $57,570, including $3,386 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $68,676. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAKD2T3433063_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 855, "unit": "per_month", "display": "$855/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 54184.0, "price_incl_doc": 54184.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 854.61, "amount_financed": 57570.5, "sales_tax": 3386.5, "total_of_payments": 71787.31, "finance_charge": 14216.81, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3433063, VIN 4S4WMAKD2T3433063. $855 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $54,184, before any dealer documentation fee. Amount financed $57,570, including $3,386 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $71,787. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAKD2T3433063_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 54184.0, "selling_price": 54184.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 766.09, "net_cap_cost": 54779.0, "residual_value": 33594.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 766.09, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 926.09}, "total_of_payments": 27576, "total_of_payments_unrounded": 27579.24}, "disclosure": "Estimated lease payment for stock #T3433063, VIN 4S4WMAKD2T3433063. $766 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $926, made up of $766 first payment, $60 title, $100 registration. MSRP $54,184. Lease selling price $54,184. Net capitalized cost $54,779. Residual value $33,594, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $27,576. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAKD2T3433063_lease", "type": "lease", "label": "Lease", "headline": {"value": 673, "unit": "per_month", "display": "$673/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 54184.0, "selling_price": 54184.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 672.8, "net_cap_cost": 51780.0, "residual_value": 33594.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 672.8, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3831.8}, "total_of_payments": 24228, "total_of_payments_unrounded": 24220.8}, "disclosure": "Estimated lease payment for stock #T3433063, VIN 4S4WMAKD2T3433063. $673 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,832, made up of $673 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $54,184. Lease selling price $54,184. Net capitalized cost $51,780. Residual value $33,594, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $24,228. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 438}}, {"vin": "4S4GUHT63T3805880", "title": "2026 Subaru Crosstrek Wilderness", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 35985.0, "msrp": 35985.0, "sale_price": 35985.0, "currency": "USD", "mileage": null, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Wilderness StarTex", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3805880", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT63T3805880_22.jpg"], "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": 35985.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHT63T3805880.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guht63t3805880/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guht63t3805880/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHT63T3805880.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHT63T3805880.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHT63T3805880.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guht63t3805880/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3805880, VIN 4S4GUHT63T3805880. Advertised price: $35,985. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$35,985"}], "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": "2026-07-26T16:50:08Z", "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": 35985.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHT63T3805880_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": 35985.0, "price_incl_doc": 35985.0, "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": 730.14, "amount_financed": 38234.06, "sales_tax": 2249.06, "total_of_payments": 43808.31, "finance_charge": 5574.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3805880, VIN 4S4GUHT63T3805880. $730 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,985, before any dealer documentation fee. Amount financed $38,234, including $2,249 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,808. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHT63T3805880_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": 35985.0, "price_incl_doc": 35985.0, "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": 633.47, "amount_financed": 38234.06, "sales_tax": 2249.06, "total_of_payments": 45609.72, "finance_charge": 7375.66, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3805880, VIN 4S4GUHT63T3805880. $633 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,985, before any dealer documentation fee. Amount financed $38,234, including $2,249 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,610. 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_4S4GUHT63T3805880_finance_84", "type": "finance_84", "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": 35985.0, "price_incl_doc": 35985.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 567.57, "amount_financed": 38234.06, "sales_tax": 2249.06, "total_of_payments": 47675.81, "finance_charge": 9441.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3805880, VIN 4S4GUHT63T3805880. $568 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,985, before any dealer documentation fee. Amount financed $38,234, including $2,249 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,676. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHT63T3805880_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 515, "unit": "per_month", "display": "$515/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35985.0, "selling_price": 35985.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 515.0, "net_cap_cost": 36580.0, "residual_value": 22310.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 515, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 675}, "total_of_payments": 18540, "total_of_payments_unrounded": 18540.0}, "disclosure": "Estimated lease payment for stock #T3805880, VIN 4S4GUHT63T3805880. $515 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $675, made up of $515 first payment, $60 title, $100 registration. MSRP $35,985. Lease selling price $35,985. Net capitalized cost $36,580. Residual value $22,311, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,540. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHT63T3805880_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35985.0, "selling_price": 35985.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 421.71, "net_cap_cost": 33581.0, "residual_value": 22310.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 421.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3580.71}, "total_of_payments": 15192, "total_of_payments_unrounded": 15181.56}, "disclosure": "Estimated lease payment for stock #T3805880, VIN 4S4GUHT63T3805880. $422 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,581, made up of $422 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,985. Lease selling price $35,985. Net capitalized cost $33,581. Residual value $22,311, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,192. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 430}}, {"vin": "JF2BUPBD5TY565812", "title": "2026 Subaru Outback Premium", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 37149.0, "msrp": 39536.0, "sale_price": 37149.0, "currency": "USD", "mileage": 5, "exterior_color": "Crystal Black Silica", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260586", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY565812_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39536.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPBD5TY565812.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd5ty565812/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd5ty565812/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPBD5TY565812.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD5TY565812.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD5TY565812.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd5ty565812/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,387. This offer applies to Stock #MS260586, VIN JF2BUPBD5TY565812. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,536. Advertised price: $37,149. Savings: $2,387, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,536"}, {"label": "Advertised price", "value": "$37,149"}, {"label": "Savings", "value": "$2,387, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,387", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 37149.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPBD5TY565812_finance_60", "type": "finance_60", "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": 37149.0, "price_incl_doc": 37149.0, "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": 753.76, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 45225.37, "finance_charge": 5754.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260586, VIN JF2BUPBD5TY565812. $754 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,225. 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_JF2BUPBD5TY565812_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": 37149.0, "price_incl_doc": 37149.0, "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": 653.96, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 47085.05, "finance_charge": 7614.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260586, VIN JF2BUPBD5TY565812. $654 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,085. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD5TY565812_finance_84", "type": "finance_84", "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": 37149.0, "price_incl_doc": 37149.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.93, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 49217.97, "finance_charge": 9747.16, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260586, VIN JF2BUPBD5TY565812. $586 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,218. 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_JF2BUPBD5TY565812_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 490, "unit": "per_month", "display": "$490/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39536.0, "selling_price": 37149.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 489.74, "net_cap_cost": 37744.0, "residual_value": 24512.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 489.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 649.74}, "total_of_payments": 17640, "total_of_payments_unrounded": 17630.64}, "disclosure": "Estimated lease payment for stock #MS260586, VIN JF2BUPBD5TY565812. $490 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $650, made up of $490 first payment, $60 title, $100 registration. MSRP $39,536. Lease selling price $37,149. Net capitalized cost $37,744. Residual value $24,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,640. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD5TY565812_lease", "type": "lease", "label": "Lease", "headline": {"value": 396, "unit": "per_month", "display": "$396/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39536.0, "selling_price": 37149.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 396.45, "net_cap_cost": 34745.0, "residual_value": 24512.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 396.45, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3555.45}, "total_of_payments": 14256, "total_of_payments_unrounded": 14272.2}, "disclosure": "Estimated lease payment for stock #MS260586, VIN JF2BUPBD5TY565812. $396 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,555, made up of $396 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,536. Lease selling price $37,149. Net capitalized cost $34,745. Residual value $24,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,256. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 425}}, {"vin": "JF2BUPBD3TY466910", "title": "2026 Subaru Outback Premium", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 37271.0, "msrp": 39653.0, "sale_price": 37271.0, "currency": "USD", "mileage": 15, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260306", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39653.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPBD3TY466910.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd3ty466910/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd3ty466910/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPBD3TY466910.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD3TY466910.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD3TY466910.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd3ty466910/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,382. This offer applies to Stock #MS260306, VIN JF2BUPBD3TY466910. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,653. Advertised price: $37,271. Savings: $2,382, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,653"}, {"label": "Advertised price", "value": "$37,271"}, {"label": "Savings", "value": "$2,382, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,382", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 37271.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPBD3TY466910_finance_60", "type": "finance_60", "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": 37271.0, "price_incl_doc": 37271.0, "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": 756.23, "amount_financed": 39600.44, "sales_tax": 2329.44, "total_of_payments": 45373.9, "finance_charge": 5773.46, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260306, VIN JF2BUPBD3TY466910. $756 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,271, before any dealer documentation fee. Amount financed $39,600, including $2,329 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,374. 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_JF2BUPBD3TY466910_finance_72", "type": "finance_72", "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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37271.0, "price_incl_doc": 37271.0, "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": 656.11, "amount_financed": 39600.44, "sales_tax": 2329.44, "total_of_payments": 47239.69, "finance_charge": 7639.25, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260306, VIN JF2BUPBD3TY466910. $656 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,271, before any dealer documentation fee. Amount financed $39,600, including $2,329 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,240. 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_JF2BUPBD3TY466910_finance_84", "type": "finance_84", "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": 37271.0, "price_incl_doc": 37271.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 587.85, "amount_financed": 39600.44, "sales_tax": 2329.44, "total_of_payments": 49379.61, "finance_charge": 9779.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260306, VIN JF2BUPBD3TY466910. $588 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,271, before any dealer documentation fee. Amount financed $39,600, including $2,329 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,380. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD3TY466910_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39653.0, "selling_price": 37271.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 491.51, "net_cap_cost": 37866.0, "residual_value": 24584.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 491.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 651.51}, "total_of_payments": 17712, "total_of_payments_unrounded": 17694.36}, "disclosure": "Estimated lease payment for stock #MS260306, VIN JF2BUPBD3TY466910. $492 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $652, made up of $492 first payment, $60 title, $100 registration. MSRP $39,653. Lease selling price $37,271. Net capitalized cost $37,866. Residual value $24,585, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,712. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD3TY466910_lease", "type": "lease", "label": "Lease", "headline": {"value": 398, "unit": "per_month", "display": "$398/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39653.0, "selling_price": 37271.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 398.22, "net_cap_cost": 34867.0, "residual_value": 24584.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3557.22}, "total_of_payments": 14328, "total_of_payments_unrounded": 14335.92}, "disclosure": "Estimated lease payment for stock #MS260306, VIN JF2BUPBD3TY466910. $398 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,557, made up of $398 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,653. Lease selling price $37,271. Net capitalized cost $34,867. Residual value $24,585, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,328. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 442}}, {"vin": "JF2BURMD1TY510489", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 48087.0, "msrp": 51567.0, "sale_price": 48087.0, "currency": "USD", "mileage": 9, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260250", "stock_status": "Available", "availability": "In Stock", 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"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": 51567.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURMD1TY510489.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd1ty510489/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd1ty510489/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURMD1TY510489.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD1TY510489.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD1TY510489.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd1ty510489/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,480. This offer applies to Stock #MS260250, VIN JF2BURMD1TY510489. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $51,567. Advertised price: $48,087. Savings: $3,480, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$51,567"}, {"label": "Advertised price", "value": "$48,087"}, {"label": "Savings", "value": "$3,480, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,480", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 48087.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURMD1TY510489_finance_60", "type": "finance_60", "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": 48087.0, "price_incl_doc": 48087.0, "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": 975.69, "amount_financed": 51092.44, "sales_tax": 3005.44, "total_of_payments": 58541.35, "finance_charge": 7448.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260250, VIN JF2BURMD1TY510489. $976 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,087, before any dealer documentation fee. Amount financed $51,092, including $3,005 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,541. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD1TY510489_finance_72", "type": "finance_72", "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": 48087.0, "price_incl_doc": 48087.0, "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": 846.51, "amount_financed": 51092.44, "sales_tax": 3005.44, "total_of_payments": 60948.58, "finance_charge": 9856.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260250, VIN JF2BURMD1TY510489. $847 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,087, before any dealer documentation fee. Amount financed $51,092, including $3,005 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,949. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD1TY510489_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 758, "unit": "per_month", "display": "$758/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48087.0, "price_incl_doc": 48087.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.45, "amount_financed": 51092.44, "sales_tax": 3005.44, "total_of_payments": 63709.52, "finance_charge": 12617.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260250, VIN JF2BURMD1TY510489. $758 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,087, before any dealer documentation fee. Amount financed $51,092, including $3,005 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,710. 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_JF2BURMD1TY510489_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51567.0, "selling_price": 48087.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 621.73, "net_cap_cost": 48682.0, "residual_value": 31971.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 621.73, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 781.73}, "total_of_payments": 22392, "total_of_payments_unrounded": 22382.28}, "disclosure": "Estimated lease payment for stock #MS260250, VIN JF2BURMD1TY510489. $622 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $782, made up of $622 first payment, $60 title, $100 registration. MSRP $51,567. Lease selling price $48,087. Net capitalized cost $48,682. Residual value $31,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,392. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD1TY510489_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51567.0, "selling_price": 48087.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 528.44, "net_cap_cost": 45683.0, "residual_value": 31971.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.44, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3687.44}, "total_of_payments": 19008, "total_of_payments_unrounded": 19023.84}, "disclosure": "Estimated lease payment for stock #MS260250, VIN JF2BURMD1TY510489. $528 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,687, made up of $528 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,567. Lease selling price $48,087. Net capitalized cost $45,683. Residual value $31,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 440}}, {"vin": "JF2GUSND9T8282091", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 39314.0, "msrp": 39314.0, "sale_price": 39314.0, "currency": "USD", "mileage": null, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8282091", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8282091_22.jpg"], "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": 39314.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSND9T8282091.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd9t8282091/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd9t8282091/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND9T8282091.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND9T8282091.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND9T8282091.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd9t8282091/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8282091, VIN JF2GUSND9T8282091. Advertised price: $39,314. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$39,314"}], "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": "2026-07-26T16:50:08Z", "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": 39314.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND9T8282091_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": 39314.0, "price_incl_doc": 39314.0, "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": 797.68, "amount_financed": 41771.13, "sales_tax": 2457.13, "total_of_payments": 47861.06, "finance_charge": 6089.93, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8282091, VIN JF2GUSND9T8282091. $798 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,314, before any dealer documentation fee. Amount financed $41,771, including $2,457 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,861. 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_JF2GUSND9T8282091_finance_72", "type": "finance_72", "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": 39314.0, "price_incl_doc": 39314.0, "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": 692.07, "amount_financed": 41771.13, "sales_tax": 2457.13, "total_of_payments": 49829.12, "finance_charge": 8057.99, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8282091, VIN JF2GUSND9T8282091. $692 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,314, before any dealer documentation fee. Amount financed $41,771, including $2,457 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,829. 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_JF2GUSND9T8282091_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39314.0, "price_incl_doc": 39314.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 620.08, "amount_financed": 41771.13, "sales_tax": 2457.13, "total_of_payments": 52086.34, "finance_charge": 10315.21, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8282091, VIN JF2GUSND9T8282091. $620 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,314, before any dealer documentation fee. Amount financed $41,771, including $2,457 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $52,086. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND9T8282091_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 561, "unit": "per_month", "display": "$561/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39314.0, "selling_price": 39314.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 560.93, "net_cap_cost": 39909.0, "residual_value": 24374.68, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 560.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 720.93}, "total_of_payments": 20196, "total_of_payments_unrounded": 20193.48}, "disclosure": "Estimated lease payment for stock #T8282091, VIN JF2GUSND9T8282091. $561 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $721, made up of $561 first payment, $60 title, $100 registration. MSRP $39,314. Lease selling price $39,314. Net capitalized cost $39,909. Residual value $24,375, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,196. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND9T8282091_lease", "type": "lease", "label": "Lease", "headline": {"value": 468, "unit": "per_month", "display": "$468/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39314.0, "selling_price": 39314.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 467.64, "net_cap_cost": 36910.0, "residual_value": 24374.68, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 467.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3626.64}, "total_of_payments": 16848, "total_of_payments_unrounded": 16835.04}, "disclosure": "Estimated lease payment for stock #T8282091, VIN JF2GUSND9T8282091. $468 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,627, made up of $468 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,314. Lease selling price $39,314. Net capitalized cost $36,910. Residual value $24,375, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,848. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"https://ai.castlesubarumchenry.com/v/4S4GUHM69T3787478.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM69T3787478.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm69t3787478/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,959. This offer applies to Stock #MS260489, VIN 4S4GUHM69T3787478. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,158. Advertised price: $35,199. Savings: $1,959, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$37,158"}, {"label": "Advertised price", "value": "$35,199"}, {"label": "Savings", "value": "$1,959, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,959", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 35199.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHM69T3787478_finance_60", "type": "finance_60", "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": 35199.0, "price_incl_doc": 35199.0, "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": 714.19, "amount_financed": 37398.94, "sales_tax": 2199.94, "total_of_payments": 42851.44, "finance_charge": 5452.5, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260489, VIN 4S4GUHM69T3787478. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,199, before any dealer documentation fee. Amount financed $37,399, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,851. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM69T3787478_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35199.0, "price_incl_doc": 35199.0, "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": 619.63, "amount_financed": 37398.94, "sales_tax": 2199.94, "total_of_payments": 44613.5, "finance_charge": 7214.56, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260489, VIN 4S4GUHM69T3787478. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,199, before any dealer documentation fee. Amount financed $37,399, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,614. 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_4S4GUHM69T3787478_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 555, "unit": "per_month", "display": "$555/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35199.0, "price_incl_doc": 35199.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.17, "amount_financed": 37398.94, "sales_tax": 2199.94, "total_of_payments": 46634.46, "finance_charge": 9235.52, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260489, VIN 4S4GUHM69T3787478. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,199, before any dealer documentation fee. Amount financed $37,399, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,634. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM69T3787478_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37158.0, "selling_price": 35199.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 470.24, "net_cap_cost": 35794.0, "residual_value": 23037.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 470.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 630.24}, "total_of_payments": 16920, "total_of_payments_unrounded": 16928.64}, "disclosure": "Estimated lease payment for stock #MS260489, VIN 4S4GUHM69T3787478. $470 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $630, made up of $470 first payment, $60 title, $100 registration. MSRP $37,158. Lease selling price $35,199. Net capitalized cost $35,794. Residual value $23,038, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,920. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM69T3787478_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37158.0, "selling_price": 35199.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 376.95, "net_cap_cost": 32795.0, "residual_value": 23037.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 376.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3535.95}, "total_of_payments": 13572, "total_of_payments_unrounded": 13570.2}, "disclosure": "Estimated lease payment for stock #MS260489, VIN 4S4GUHM69T3787478. $377 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,536, made up of $377 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,158. Lease selling price $35,199. Net capitalized cost $32,795. Residual value $23,038, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,572. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 406}}, {"vin": "4S4GUHM61T3795350", "title": "2026 Subaru Crosstrek Limited", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited", "decoded_trim": null, "condition": "new", "price": 35574.0, "msrp": 37553.0, "sale_price": 35574.0, "currency": "USD", "mileage": 7, "exterior_color": "Alpine Green", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260523", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm61t3795350/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHM61T3795350.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM61T3795350.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM61T3795350.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm61t3795350/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,979. This offer applies to Stock #MS260523, VIN 4S4GUHM61T3795350. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,553. Advertised price: $35,574. Savings: $1,979, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$37,553"}, {"label": "Advertised price", "value": "$35,574"}, {"label": "Savings", "value": "$1,979, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,979", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 35574.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHM61T3795350_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": 35574.0, "price_incl_doc": 35574.0, "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": 721.8, "amount_financed": 37797.38, "sales_tax": 2223.38, "total_of_payments": 43307.97, "finance_charge": 5510.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260523, VIN 4S4GUHM61T3795350. $722 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,574, before any dealer documentation fee. Amount financed $37,797, including $2,223 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,308. 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_4S4GUHM61T3795350_finance_72", "type": "finance_72", "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": 35574.0, "price_incl_doc": 35574.0, "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": 626.23, "amount_financed": 37797.38, "sales_tax": 2223.38, "total_of_payments": 45088.8, "finance_charge": 7291.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260523, VIN 4S4GUHM61T3795350. $626 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,574, before any dealer documentation fee. Amount financed $37,797, including $2,223 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,089. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM61T3795350_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 561, "unit": "per_month", "display": "$561/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35574.0, "price_incl_doc": 35574.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 561.09, "amount_financed": 37797.38, "sales_tax": 2223.38, "total_of_payments": 47131.29, "finance_charge": 9333.91, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260523, VIN 4S4GUHM61T3795350. $561 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,574, before any dealer documentation fee. Amount financed $37,797, including $2,223 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,131. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM61T3795350_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 475, "unit": "per_month", "display": "$475/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37553.0, "selling_price": 35574.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 475.07, "net_cap_cost": 36169.0, "residual_value": 23282.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 475.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 635.07}, "total_of_payments": 17100, "total_of_payments_unrounded": 17102.52}, "disclosure": "Estimated lease payment for stock #MS260523, VIN 4S4GUHM61T3795350. $475 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $635, made up of $475 first payment, $60 title, $100 registration. MSRP $37,553. Lease selling price $35,574. Net capitalized cost $36,169. Residual value $23,283, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,100. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM61T3795350_lease", "type": "lease", "label": "Lease", "headline": {"value": 382, "unit": "per_month", "display": "$382/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37553.0, "selling_price": 35574.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 381.78, "net_cap_cost": 33170.0, "residual_value": 23282.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 381.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3540.78}, "total_of_payments": 13752, "total_of_payments_unrounded": 13744.08}, "disclosure": "Estimated lease payment for stock #MS260523, VIN 4S4GUHM61T3795350. $382 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,541, made up of $382 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,553. Lease selling price $35,574. Net capitalized cost $33,170. Residual value $23,283, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,752. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 413}}, {"vin": "4S4SLSE70T3143899", "title": "2026 Subaru Forester Premium Hybrid", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Premium Hybrid", "decoded_trim": "Premium", "condition": "new", "price": 37272.0, "msrp": 37272.0, "sale_price": 37272.0, "currency": "USD", "mileage": null, "exterior_color": "Crystal White Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3143899", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSE70T3143899_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37272.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLSE70T3143899.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slse70t3143899/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slse70t3143899/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLSE70T3143899.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLSE70T3143899.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLSE70T3143899.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slse70t3143899/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3143899, VIN 4S4SLSE70T3143899. Advertised price: $37,272. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$37,272"}], "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": "2026-07-26T16:50:08Z", "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": 37272.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLSE70T3143899_finance_60", "type": "finance_60", "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": 37272.0, "price_incl_doc": 37272.0, "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": 756.25, "amount_financed": 39601.5, "sales_tax": 2329.5, "total_of_payments": 45375.11, "finance_charge": 5773.61, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3143899, VIN 4S4SLSE70T3143899. $756 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,272, before any dealer documentation fee. Amount financed $39,602, including $2,330 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,375. 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_4S4SLSE70T3143899_finance_72", "type": "finance_72", "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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37272.0, "price_incl_doc": 37272.0, "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": 656.12, "amount_financed": 39601.5, "sales_tax": 2329.5, "total_of_payments": 47240.95, "finance_charge": 7639.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3143899, VIN 4S4SLSE70T3143899. $656 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,272, before any dealer documentation fee. Amount financed $39,602, including $2,330 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,241. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLSE70T3143899_finance_84", "type": "finance_84", "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": 37272.0, "price_incl_doc": 37272.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 587.87, "amount_financed": 39601.5, "sales_tax": 2329.5, "total_of_payments": 49380.93, "finance_charge": 9779.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3143899, VIN 4S4SLSE70T3143899. $588 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,272, before any dealer documentation fee. Amount financed $39,602, including $2,330 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,381. 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_4S4SLSE70T3143899_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37272.0, "selling_price": 37272.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 532.76, "net_cap_cost": 37867.0, "residual_value": 23108.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 532.76, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 692.76}, "total_of_payments": 19188, "total_of_payments_unrounded": 19179.36}, "disclosure": "Estimated lease payment for stock #T3143899, VIN 4S4SLSE70T3143899. $533 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $693, made up of $533 first payment, $60 title, $100 registration. MSRP $37,272. Lease selling price $37,272. Net capitalized cost $37,867. Residual value $23,109, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,188. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLSE70T3143899_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37272.0, "selling_price": 37272.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 439.46, "net_cap_cost": 34868.0, "residual_value": 23108.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.46, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.46}, "total_of_payments": 15804, "total_of_payments_unrounded": 15820.56}, "disclosure": "Estimated lease payment for stock #T3143899, VIN 4S4SLSE70T3143899. $439 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,598, made up of $439 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,272. Lease selling price $37,272. Net capitalized cost $34,868. Residual value $23,109, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,804. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"https://www.castlesubarumchenry.com/viewdetails/new/4s4guhu60t3787479/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHU60T3787479.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHU60T3787479.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHU60T3787479.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhu60t3787479/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,097. This offer applies to Stock #MS260488, VIN 4S4GUHU60T3787479. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $38,501. Advertised price: $36,404. Savings: $2,097, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$38,501"}, {"label": "Advertised price", "value": "$36,404"}, {"label": "Savings", "value": "$2,097, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,097", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 36404.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHU60T3787479_finance_60", "type": "finance_60", "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": 36404.0, "price_incl_doc": 36404.0, "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": 738.64, "amount_financed": 38679.25, "sales_tax": 2275.25, "total_of_payments": 44318.41, "finance_charge": 5639.16, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260488, VIN 4S4GUHU60T3787479. $739 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,404, before any dealer documentation fee. Amount financed $38,679, including $2,275 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,318. 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_4S4GUHU60T3787479_finance_72", "type": "finance_72", "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": 36404.0, "price_incl_doc": 36404.0, "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": 640.84, "amount_financed": 38679.25, "sales_tax": 2275.25, "total_of_payments": 46140.79, "finance_charge": 7461.54, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260488, VIN 4S4GUHU60T3787479. $641 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,404, before any dealer documentation fee. Amount financed $38,679, including $2,275 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,141. 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_4S4GUHU60T3787479_finance_84", "type": "finance_84", "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": 36404.0, "price_incl_doc": 36404.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 574.18, "amount_financed": 38679.25, "sales_tax": 2275.25, "total_of_payments": 48230.94, "finance_charge": 9551.69, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260488, VIN 4S4GUHU60T3787479. $574 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,404, before any dealer documentation fee. Amount financed $38,679, including $2,275 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,231. 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_4S4GUHU60T3787479_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38501.0, "selling_price": 36404.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 484.48, "net_cap_cost": 36999.0, "residual_value": 23870.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 484.48, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 644.48}, "total_of_payments": 17424, "total_of_payments_unrounded": 17441.28}, "disclosure": "Estimated lease payment for stock #MS260488, VIN 4S4GUHU60T3787479. $484 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $644, made up of $484 first payment, $60 title, $100 registration. MSRP $38,501. Lease selling price $36,404. Net capitalized cost $36,999. Residual value $23,871, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,424. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHU60T3787479_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38501.0, "selling_price": 36404.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 391.19, "net_cap_cost": 34000.0, "residual_value": 23870.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 391.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3550.19}, "total_of_payments": 14076, "total_of_payments_unrounded": 14082.84}, "disclosure": "Estimated lease payment for stock #MS260488, VIN 4S4GUHU60T3787479. $391 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,550, made up of $391 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,501. Lease selling price $36,404. Net capitalized cost $34,000. Residual value $23,871, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 365}}, {"vin": "4S4GUHU67T3790508", "title": "2026 Subaru Crosstrek Wilderness", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 36360.0, "msrp": 38433.0, "sale_price": 36360.0, "currency": "USD", "mileage": 7, "exterior_color": "Crystal Black Silica", "interior_color": "Wilderness StarTex", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260498", "stock_status": "Available", "availability": "In Stock", 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"offers": [], "price_history": [], "window_sticker": {"msrp": 38433.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHU67T3790508.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhu67t3790508/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhu67t3790508/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHU67T3790508.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHU67T3790508.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHU67T3790508.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhu67t3790508/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,073. This offer applies to Stock #MS260498, VIN 4S4GUHU67T3790508. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $38,433. Advertised price: $36,360. Savings: $2,073, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$38,433"}, {"label": "Advertised price", "value": "$36,360"}, {"label": "Savings", "value": "$2,073, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,073", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:08Z", "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": 36360.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHU67T3790508_finance_60", "type": "finance_60", "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": 36360.0, "price_incl_doc": 36360.0, "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": 737.75, "amount_financed": 38632.5, "sales_tax": 2272.5, "total_of_payments": 44264.84, "finance_charge": 5632.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260498, VIN 4S4GUHU67T3790508. $738 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,360, before any dealer documentation fee. Amount financed $38,632, including $2,272 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,265. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHU67T3790508_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 640, "unit": "per_month", "display": "$640/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36360.0, "price_incl_doc": 36360.0, "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": 640.07, "amount_financed": 38632.5, "sales_tax": 2272.5, "total_of_payments": 46085.02, "finance_charge": 7452.52, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260498, VIN 4S4GUHU67T3790508. $640 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,360, before any dealer documentation fee. Amount financed $38,632, including $2,272 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,085. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHU67T3790508_finance_84", "type": "finance_84", "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": 36360.0, "price_incl_doc": 36360.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 573.48, "amount_financed": 38632.5, "sales_tax": 2272.5, "total_of_payments": 48172.64, "finance_charge": 9540.14, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260498, VIN 4S4GUHU67T3790508. $573 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,360, before any dealer documentation fee. Amount financed $38,632, including $2,272 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,173. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHU67T3790508_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38433.0, "selling_price": 36360.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 484.29, "net_cap_cost": 36955.0, "residual_value": 23828.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 484.29, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 644.29}, "total_of_payments": 17424, "total_of_payments_unrounded": 17434.44}, "disclosure": "Estimated lease payment for stock #MS260498, VIN 4S4GUHU67T3790508. $484 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $644, made up of $484 first payment, $60 title, $100 registration. MSRP $38,433. Lease selling price $36,360. Net capitalized cost $36,955. Residual value $23,828, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,424. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHU67T3790508_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38433.0, "selling_price": 36360.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 391.0, "net_cap_cost": 33956.0, "residual_value": 23828.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 391, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3550}, "total_of_payments": 14076, "total_of_payments_unrounded": 14076.0}, "disclosure": "Estimated lease payment for stock #MS260498, VIN 4S4GUHU67T3790508. $391 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,550, made up of $391 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,433. Lease selling price $36,360. Net capitalized cost $33,956. Residual value $23,828, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 366}}, {"vin": "JF1GUHHC0T8264847", "title": "2026 Subaru Impreza RS", "year": 2026, "make": "Subaru", "model": "Impreza", "trim": "RS", "decoded_trim": "RS", "condition": "new", "price": 30221.0, "msrp": 31724.0, "sale_price": 30221.0, "currency": "USD", "mileage": 5, "exterior_color": "Crystal White Pearl", "interior_color": "Black RS Cloth", "drivetrain": "All Wheel Drive", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260514", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF1GUHHC0T8264847_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Impreza", "year": 2026, "trim": "RS", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "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": 31724.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF1GUHHC0T8264847.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1guhhc0t8264847/2026-subaru-impreza-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1guhhc0t8264847/2026-subaru-impreza-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF1GUHHC0T8264847.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF1GUHHC0T8264847.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF1GUHHC0T8264847.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1guhhc0t8264847/2026-subaru-impreza-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,503. This offer applies to Stock #MS260514, VIN JF1GUHHC0T8264847. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $31,724. Advertised price: $30,221. Savings: $1,503, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$31,724"}, {"label": "Advertised price", "value": "$30,221"}, {"label": "Savings", "value": "$1,503, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,503", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 30221.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1GUHHC0T8264847_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": 30221.0, "price_incl_doc": 30221.0, "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": 613.19, "amount_financed": 32109.81, "sales_tax": 1888.81, "total_of_payments": 36791.19, "finance_charge": 4681.38, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260514, VIN JF1GUHHC0T8264847. $613 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,221, before any dealer documentation fee. Amount financed $32,110, including $1,889 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,791. 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_JF1GUHHC0T8264847_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": 30221.0, "price_incl_doc": 30221.0, "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": 532.0, "amount_financed": 32109.81, "sales_tax": 1888.81, "total_of_payments": 38304.05, "finance_charge": 6194.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260514, VIN JF1GUHHC0T8264847. $532 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,221, before any dealer documentation fee. Amount financed $32,110, including $1,889 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,304. 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"}, {"offer_id": "of_JF1GUHHC0T8264847_finance_84", "type": "finance_84", "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": 30221.0, "price_incl_doc": 30221.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 476.66, "amount_financed": 32109.81, "sales_tax": 1888.81, "total_of_payments": 40039.2, "finance_charge": 7929.39, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260514, VIN JF1GUHHC0T8264847. $477 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,221, before any dealer documentation fee. Amount financed $32,110, including $1,889 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,039. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUHHC0T8264847_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31724.0, "selling_price": 30221.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 409.46, "net_cap_cost": 30816.0, "residual_value": 19668.88, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 409.46, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 569.46}, "total_of_payments": 14724, "total_of_payments_unrounded": 14740.56}, "disclosure": "Estimated lease payment for stock #MS260514, VIN JF1GUHHC0T8264847. $409 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $569, made up of $409 first payment, $60 title, $100 registration. MSRP $31,724. Lease selling price $30,221. Net capitalized cost $30,816. Residual value $19,669, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,724. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUHHC0T8264847_lease", "type": "lease", "label": "Lease", "headline": {"value": 316, "unit": "per_month", "display": "$316/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31724.0, "selling_price": 30221.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 316.16, "net_cap_cost": 27817.0, "residual_value": 19668.88, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 316.16, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3475.16}, "total_of_payments": 11376, "total_of_payments_unrounded": 11381.76}, "disclosure": "Estimated lease payment for stock #MS260514, VIN JF1GUHHC0T8264847. $316 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,475, made up of $316 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $31,724. Lease selling price $30,221. Net capitalized cost $27,817. Residual value $19,669, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,376. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 386}}, {"vin": "4S4SLSR72T3144689", "title": "2026 Subaru Forester Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 42092.0, "msrp": 42092.0, "sale_price": 42092.0, "currency": "USD", "mileage": null, "exterior_color": "Daybreak Blue Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3144689", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR72T3144689_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42092.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLSR72T3144689.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slsr72t3144689/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slsr72t3144689/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLSR72T3144689.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLSR72T3144689.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLSR72T3144689.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slsr72t3144689/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3144689, VIN 4S4SLSR72T3144689. Advertised price: $42,092. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$42,092"}], "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": "2026-07-26T16:50:09Z", "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": 42092.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLSR72T3144689_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 854, "unit": "per_month", "display": "$854/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42092.0, "price_incl_doc": 42092.0, "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": 854.05, "amount_financed": 44722.75, "sales_tax": 2630.75, "total_of_payments": 51243.01, "finance_charge": 6520.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3144689, VIN 4S4SLSR72T3144689. $854 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,092, before any dealer documentation fee. Amount financed $44,723, including $2,631 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,243. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLSR72T3144689_finance_72", "type": "finance_72", "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": 42092.0, "price_incl_doc": 42092.0, "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": 740.97, "amount_financed": 44722.75, "sales_tax": 2630.75, "total_of_payments": 53350.13, "finance_charge": 8627.38, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3144689, VIN 4S4SLSR72T3144689. $741 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,092, before any dealer documentation fee. Amount financed $44,723, including $2,631 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,350. 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_4S4SLSR72T3144689_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 664, "unit": "per_month", "display": "$664/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42092.0, "price_incl_doc": 42092.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 663.89, "amount_financed": 44722.75, "sales_tax": 2630.75, "total_of_payments": 55766.86, "finance_charge": 11044.11, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3144689, VIN 4S4SLSR72T3144689. $664 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,092, before any dealer documentation fee. Amount financed $44,723, including $2,631 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,767. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLSR72T3144689_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42092.0, "selling_price": 42092.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 599.26, "net_cap_cost": 42687.0, "residual_value": 26097.04, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 599.26, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 759.26}, "total_of_payments": 21564, "total_of_payments_unrounded": 21573.36}, "disclosure": "Estimated lease payment for stock #T3144689, VIN 4S4SLSR72T3144689. $599 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $759, made up of $599 first payment, $60 title, $100 registration. MSRP $42,092. Lease selling price $42,092. Net capitalized cost $42,687. Residual value $26,097, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,564. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLSR72T3144689_lease", "type": "lease", "label": "Lease", "headline": {"value": 506, "unit": "per_month", "display": "$506/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42092.0, "selling_price": 42092.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 505.97, "net_cap_cost": 39688.0, "residual_value": 26097.04, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 505.97, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3664.97}, "total_of_payments": 18216, "total_of_payments_unrounded": 18214.92}, "disclosure": "Estimated lease payment for stock #T3144689, VIN 4S4SLSR72T3144689. $506 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,665, made up of $506 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,092. Lease selling price $42,092. Net capitalized cost $39,688. Residual value $26,097, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,216. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 380}}, {"vin": "JF2BURMDXTY564308", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 48022.0, "msrp": 51484.0, "sale_price": 48022.0, "currency": "USD", "mileage": 5, "exterior_color": "Crystal Black Silica", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260581", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURMDXTY564308_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "trim": "Wilderness", "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": 51484.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURMDXTY564308.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmdxty564308/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmdxty564308/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURMDXTY564308.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURMDXTY564308.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURMDXTY564308.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmdxty564308/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,462. This offer applies to Stock #MS260581, VIN JF2BURMDXTY564308. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $51,484. Advertised price: $48,022. Savings: $3,462, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$51,484"}, {"label": "Advertised price", "value": "$48,022"}, {"label": "Savings", "value": "$3,462, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,462", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 48022.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURMDXTY564308_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 974, "unit": "per_month", "display": "$974/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48022.0, "price_incl_doc": 48022.0, "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": 974.37, "amount_financed": 51023.38, "sales_tax": 3001.38, "total_of_payments": 58462.22, "finance_charge": 7438.84, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260581, VIN JF2BURMDXTY564308. $974 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,022, before any dealer documentation fee. Amount financed $51,023, including $3,001 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,462. 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"}, {"offer_id": "of_JF2BURMDXTY564308_finance_72", "type": "finance_72", "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": 48022.0, "price_incl_doc": 48022.0, "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": 845.36, "amount_financed": 51023.38, "sales_tax": 3001.38, "total_of_payments": 60866.2, "finance_charge": 9842.82, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260581, VIN JF2BURMDXTY564308. $845 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,022, before any dealer documentation fee. Amount financed $51,023, including $3,001 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,866. 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_JF2BURMDXTY564308_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 757, "unit": "per_month", "display": "$757/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48022.0, "price_incl_doc": 48022.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 757.42, "amount_financed": 51023.38, "sales_tax": 3001.38, "total_of_payments": 63623.4, "finance_charge": 12600.02, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260581, VIN JF2BURMDXTY564308. $757 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,022, before any dealer documentation fee. Amount financed $51,023, including $3,001 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,623. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMDXTY564308_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51484.0, "selling_price": 48022.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 621.15, "net_cap_cost": 48617.0, "residual_value": 31920.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 621.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 781.15}, "total_of_payments": 22356, "total_of_payments_unrounded": 22361.4}, "disclosure": "Estimated lease payment for stock #MS260581, VIN JF2BURMDXTY564308. $621 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $781, made up of $621 first payment, $60 title, $100 registration. MSRP $51,484. Lease selling price $48,022. Net capitalized cost $48,617. Residual value $31,920, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,356. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMDXTY564308_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51484.0, "selling_price": 48022.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 527.86, "net_cap_cost": 45618.0, "residual_value": 31920.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.86, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3686.86}, "total_of_payments": 19008, "total_of_payments_unrounded": 19002.96}, "disclosure": "Estimated lease payment for stock #MS260581, VIN JF2BURMDXTY564308. $528 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,687, made up of $528 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,484. Lease selling price $48,022. Net capitalized cost $45,618. Residual value $31,920, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 381}}, {"vin": "JF2BURJD6TY549468", "title": "2026 Subaru Outback Touring XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring XT", "decoded_trim": "Touring", "condition": "new", "price": 47572.0, "msrp": 50772.0, "sale_price": 47572.0, "currency": "USD", "mileage": 7, "exterior_color": "River Rock Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260448", "stock_status": "Available", "availability": "In Stock", 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"https://ai.castlesubarumchenry.com/sticker/JF2BURJD6TY549468.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd6ty549468/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd6ty549468/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURJD6TY549468.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD6TY549468.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD6TY549468.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd6ty549468/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,200. This offer applies to Stock #MS260448, VIN JF2BURJD6TY549468. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $50,772. Advertised price: $47,572. Savings: $3,200, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$50,772"}, {"label": "Advertised price", "value": "$47,572"}, {"label": "Savings", "value": "$3,200, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,200", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 47572.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURJD6TY549468_finance_60", "type": "finance_60", "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": 47572.0, "price_incl_doc": 47572.0, "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": 965.24, "amount_financed": 50545.25, "sales_tax": 2973.25, "total_of_payments": 57914.38, "finance_charge": 7369.13, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260448, VIN JF2BURJD6TY549468. $965 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,572, before any dealer documentation fee. Amount financed $50,545, including $2,973 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,914. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD6TY549468_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 837, "unit": "per_month", "display": "$837/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47572.0, "price_incl_doc": 47572.0, "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": 837.44, "amount_financed": 50545.25, "sales_tax": 2973.25, "total_of_payments": 60295.84, "finance_charge": 9750.59, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260448, VIN JF2BURJD6TY549468. $837 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,572, before any dealer documentation fee. Amount financed $50,545, including $2,973 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,296. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD6TY549468_finance_84", "type": "finance_84", "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": 47572.0, "price_incl_doc": 47572.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 750.32, "amount_financed": 50545.25, "sales_tax": 2973.25, "total_of_payments": 63027.2, "finance_charge": 12481.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260448, VIN JF2BURJD6TY549468. $750 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,572, before any dealer documentation fee. Amount financed $50,545, including $2,973 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,027. 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_JF2BURJD6TY549468_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50772.0, "selling_price": 47572.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 619.47, "net_cap_cost": 48167.0, "residual_value": 31478.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 619.47, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 779.47}, "total_of_payments": 22284, "total_of_payments_unrounded": 22300.92}, "disclosure": "Estimated lease payment for stock #MS260448, VIN JF2BURJD6TY549468. $619 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $779, made up of $619 first payment, $60 title, $100 registration. MSRP $50,772. Lease selling price $47,572. Net capitalized cost $48,167. Residual value $31,479, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,284. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD6TY549468_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50772.0, "selling_price": 47572.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 526.18, "net_cap_cost": 45168.0, "residual_value": 31478.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 526.18, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3685.18}, "total_of_payments": 18936, "total_of_payments_unrounded": 18942.48}, "disclosure": "Estimated lease payment for stock #MS260448, VIN JF2BURJD6TY549468. $526 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,685, made up of $526 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,772. Lease selling price $47,572. Net capitalized cost $45,168. Residual value $31,479, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,936. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 351}}, {"vin": "4S4GUHM64T3778817", "title": "2026 Subaru Crosstrek Limited", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited", "decoded_trim": null, "condition": "new", "price": 35222.0, "msrp": 37194.0, "sale_price": 35222.0, "currency": "USD", "mileage": 7, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260401", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 33, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/572c9ebbbfa84aee82c7166145fa8244.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/572c9ebbbfa84aee82c7166145fa8244.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f0d752870b174790a821080460702905.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/61c9f44582664574a7dec00bc544cb92.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4b216afa10f84bf1916ce3565d9b11bb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/63c5a7718f694d1e85d3422c04c2db8e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9de9c2e2173947499a21a1928d1085ae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9a3abe93961a4362a2f87d5231e46a5e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed3894375eee48408fbebfaf69ddac8a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/888da15d15354cbe80bcede87145aa8d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/acecc263195c43b39e8e40b052d2c9ee.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2fc48e6beba34d6c8962a1bd22049515.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/38d516e88eb24962b7d5f4444394c27e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b495e77bf700462ab860a5dbe26f0b2e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa19928a0b06474686f4b08c4c086332.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/829d48ebd15f4765b6195cb48daefb25.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8819094b784c41ab9c7b618553161b18.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1fa599655eda4064bbb2c0da0b36b306.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ef53d72f13f24187a50b54d5c71a8035.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ea928282834644febd3a69f28b3981bf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d2749f74aa448e1b17e65ce943ff85e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4408ada32dbe437b97e9feb3e7dbde6e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cb746c1d12324012a6bc4324e9d970c4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2e8e07d0318547cd9f80ab0165276e42.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7a1db0110cc64b48a369c75703acd62a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7e4e2f1847f04a8ead900f02d1de8fff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8473f5d9ca2e432eaabfd9c21cf7e7a4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e309fa6e01d145ca90260b112a50738d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d198723dee004a47bd6146c331bf381e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/edf19a7d04ff469abe0972e233cd9881.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad3caab18fb643c99454c5ce657e05a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ec66188970514993aee66cfee9a669ab.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ab824af7b0f4938910709c909d33174.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b509a81be43f41179e0375f2e476c41e.jpg"], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "trim": null, "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": 37194.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHM64T3778817.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm64t3778817/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm64t3778817/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHM64T3778817.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM64T3778817.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM64T3778817.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm64t3778817/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,972. This offer applies to Stock #MS260401, VIN 4S4GUHM64T3778817. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,194. Advertised price: $35,222. Savings: $1,972, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$37,194"}, {"label": "Advertised price", "value": "$35,222"}, {"label": "Savings", "value": "$1,972, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,972", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 35222.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHM64T3778817_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 715, "unit": "per_month", "display": "$715/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35222.0, "price_incl_doc": 35222.0, "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": 714.66, "amount_financed": 37423.38, "sales_tax": 2201.38, "total_of_payments": 42879.44, "finance_charge": 5456.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260401, VIN 4S4GUHM64T3778817. $715 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,222, before any dealer documentation fee. Amount financed $37,423, including $2,201 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,879. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM64T3778817_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35222.0, "price_incl_doc": 35222.0, "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": 620.04, "amount_financed": 37423.38, "sales_tax": 2201.38, "total_of_payments": 44642.65, "finance_charge": 7219.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260401, VIN 4S4GUHM64T3778817. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,222, before any dealer documentation fee. Amount financed $37,423, including $2,201 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,643. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM64T3778817_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 556, "unit": "per_month", "display": "$556/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35222.0, "price_incl_doc": 35222.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.53, "amount_financed": 37423.38, "sales_tax": 2201.38, "total_of_payments": 46664.94, "finance_charge": 9241.56, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260401, VIN 4S4GUHM64T3778817. $556 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,222, before any dealer documentation fee. Amount financed $37,423, including $2,201 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,665. 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_4S4GUHM64T3778817_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37194.0, "selling_price": 35222.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 470.34, "net_cap_cost": 35817.0, "residual_value": 23060.28, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 470.34, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 630.34}, "total_of_payments": 16920, "total_of_payments_unrounded": 16932.24}, "disclosure": "Estimated lease payment for stock #MS260401, VIN 4S4GUHM64T3778817. $470 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $630, made up of $470 first payment, $60 title, $100 registration. MSRP $37,194. Lease selling price $35,222. Net capitalized cost $35,817. Residual value $23,060, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,920. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM64T3778817_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37194.0, "selling_price": 35222.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 377.04, "net_cap_cost": 32818.0, "residual_value": 23060.28, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 377.04, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3536.04}, "total_of_payments": 13572, "total_of_payments_unrounded": 13573.44}, "disclosure": "Estimated lease payment for stock #MS260401, VIN 4S4GUHM64T3778817. $377 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,536, made up of $377 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,194. Lease selling price $35,222. Net capitalized cost $32,818. Residual value $23,060, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,572. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 356}}, {"vin": "JF2BUPED5TY550531", "title": "2026 Subaru Outback Touring", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring", "decoded_trim": "Touring", "condition": "new", "price": 44861.0, "msrp": 47777.0, "sale_price": 44861.0, "currency": "USD", "mileage": 7, "exterior_color": "Crystal Black Silica", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260454", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 21, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPED5TY550531_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "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": 47777.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPED5TY550531.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2buped5ty550531/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2buped5ty550531/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPED5TY550531.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPED5TY550531.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPED5TY550531.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2buped5ty550531/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,916. This offer applies to Stock #MS260454, VIN JF2BUPED5TY550531. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $47,777. Advertised price: $44,861. Savings: $2,916, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$47,777"}, {"label": "Advertised price", "value": "$44,861"}, {"label": "Savings", "value": "$2,916, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,916", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 44861.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPED5TY550531_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 910, "unit": "per_month", "display": "$910/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44861.0, "price_incl_doc": 44861.0, "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": 910.23, "amount_financed": 47664.81, "sales_tax": 2803.81, "total_of_payments": 54614.0, "finance_charge": 6949.19, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260454, VIN JF2BUPED5TY550531. $910 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,861, before any dealer documentation fee. Amount financed $47,665, including $2,804 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,614. 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_JF2BUPED5TY550531_finance_72", "type": "finance_72", "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": 44861.0, "price_incl_doc": 44861.0, "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": 789.72, "amount_financed": 47664.81, "sales_tax": 2803.81, "total_of_payments": 56859.74, "finance_charge": 9194.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260454, VIN JF2BUPED5TY550531. $790 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,861, before any dealer documentation fee. Amount financed $47,665, including $2,804 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,860. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPED5TY550531_finance_84", "type": "finance_84", "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": 44861.0, "price_incl_doc": 44861.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.56, "amount_financed": 47664.81, "sales_tax": 2803.81, "total_of_payments": 59435.45, "finance_charge": 11770.64, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260454, VIN JF2BUPED5TY550531. $708 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,861, before any dealer documentation fee. Amount financed $47,665, including $2,804 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,435. 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_JF2BUPED5TY550531_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47777.0, "selling_price": 44861.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 586.99, "net_cap_cost": 45456.0, "residual_value": 29621.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 586.99, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 746.99}, "total_of_payments": 21132, "total_of_payments_unrounded": 21131.64}, "disclosure": "Estimated lease payment for stock #MS260454, VIN JF2BUPED5TY550531. $587 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $747, made up of $587 first payment, $60 title, $100 registration. MSRP $47,777. Lease selling price $44,861. Net capitalized cost $45,456. Residual value $29,622, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,132. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPED5TY550531_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47777.0, "selling_price": 44861.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 493.69, "net_cap_cost": 42457.0, "residual_value": 29621.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.69, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3652.69}, "total_of_payments": 17784, "total_of_payments_unrounded": 17772.84}, "disclosure": "Estimated lease payment for stock #MS260454, VIN JF2BUPED5TY550531. $494 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,653, made up of $494 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $47,777. Lease selling price $44,861. Net capitalized cost $42,457. Residual value $29,622, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,784. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 367}}, {"vin": "4S4GUHM62T3798838", "title": "2026 Subaru Crosstrek Limited", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited", "decoded_trim": null, "condition": "new", "price": 35610.0, "msrp": 37793.0, "sale_price": 35610.0, "currency": "USD", "mileage": 8, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260563", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://ai.castlesubarumchenry.com/sticker/4S4GUHM62T3798838.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm62t3798838/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm62t3798838/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHM62T3798838.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM62T3798838.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM62T3798838.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm62t3798838/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,183. This offer applies to Stock #MS260563, VIN 4S4GUHM62T3798838. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,793. Advertised price: $35,610. Savings: $2,183, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$37,793"}, {"label": "Advertised price", "value": "$35,610"}, {"label": "Savings", "value": "$2,183, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,183", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 35610.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHM62T3798838_finance_60", "type": "finance_60", "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": 35610.0, "price_incl_doc": 35610.0, "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": 722.53, "amount_financed": 37835.63, "sales_tax": 2225.63, "total_of_payments": 43351.79, "finance_charge": 5516.16, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260563, VIN 4S4GUHM62T3798838. $723 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,610, before any dealer documentation fee. Amount financed $37,836, including $2,226 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,352. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM62T3798838_finance_72", "type": "finance_72", "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": 35610.0, "price_incl_doc": 35610.0, "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": 626.87, "amount_financed": 37835.63, "sales_tax": 2225.63, "total_of_payments": 45134.43, "finance_charge": 7298.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260563, VIN 4S4GUHM62T3798838. $627 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,610, before any dealer documentation fee. Amount financed $37,836, including $2,226 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,134. 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_4S4GUHM62T3798838_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 562, "unit": "per_month", "display": "$562/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35610.0, "price_incl_doc": 35610.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 561.65, "amount_financed": 37835.63, "sales_tax": 2225.63, "total_of_payments": 47178.99, "finance_charge": 9343.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260563, VIN 4S4GUHM62T3798838. $562 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,610, before any dealer documentation fee. Amount financed $37,836, including $2,226 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,179. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM62T3798838_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37793.0, "selling_price": 35610.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 472.04, "net_cap_cost": 36205.0, "residual_value": 23431.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 472.04, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 632.04}, "total_of_payments": 16992, "total_of_payments_unrounded": 16993.44}, "disclosure": "Estimated lease payment for stock #MS260563, VIN 4S4GUHM62T3798838. $472 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $632, made up of $472 first payment, $60 title, $100 registration. MSRP $37,793. Lease selling price $35,610. Net capitalized cost $36,205. Residual value $23,432, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,992. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM62T3798838_lease", "type": "lease", "label": "Lease", "headline": {"value": 379, "unit": "per_month", "display": "$379/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37793.0, "selling_price": 35610.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 378.75, "net_cap_cost": 33206.0, "residual_value": 23431.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 378.75, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3537.75}, "total_of_payments": 13644, "total_of_payments_unrounded": 13635.0}, "disclosure": "Estimated lease payment for stock #MS260563, VIN 4S4GUHM62T3798838. $379 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,538, made up of $379 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,793. Lease selling price $35,610. Net capitalized cost $33,206. Residual value $23,432, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,644. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 366}}, {"vin": "JF2GUSND9T8281961", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 39314.0, "msrp": 39314.0, "sale_price": 39314.0, "currency": "USD", "mileage": null, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8281961", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND9T8281961_22.jpg"], "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": 39314.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSND9T8281961.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd9t8281961/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd9t8281961/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND9T8281961.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND9T8281961.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND9T8281961.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd9t8281961/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8281961, VIN JF2GUSND9T8281961. Advertised price: $39,314. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$39,314"}], "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": "2026-07-26T16:50:09Z", "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": 39314.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND9T8281961_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": 39314.0, "price_incl_doc": 39314.0, "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": 797.68, "amount_financed": 41771.13, "sales_tax": 2457.13, "total_of_payments": 47861.06, "finance_charge": 6089.93, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8281961, VIN JF2GUSND9T8281961. $798 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,314, before any dealer documentation fee. Amount financed $41,771, including $2,457 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,861. 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_JF2GUSND9T8281961_finance_72", "type": "finance_72", "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": 39314.0, "price_incl_doc": 39314.0, "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": 692.07, "amount_financed": 41771.13, "sales_tax": 2457.13, "total_of_payments": 49829.12, "finance_charge": 8057.99, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8281961, VIN JF2GUSND9T8281961. $692 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,314, before any dealer documentation fee. Amount financed $41,771, including $2,457 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,829. 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_JF2GUSND9T8281961_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39314.0, "price_incl_doc": 39314.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 620.08, "amount_financed": 41771.13, "sales_tax": 2457.13, "total_of_payments": 52086.34, "finance_charge": 10315.21, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8281961, VIN JF2GUSND9T8281961. $620 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,314, before any dealer documentation fee. Amount financed $41,771, including $2,457 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $52,086. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND9T8281961_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 561, "unit": "per_month", "display": "$561/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39314.0, "selling_price": 39314.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 560.93, "net_cap_cost": 39909.0, "residual_value": 24374.68, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 560.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 720.93}, "total_of_payments": 20196, "total_of_payments_unrounded": 20193.48}, "disclosure": "Estimated lease payment for stock #T8281961, VIN JF2GUSND9T8281961. $561 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $721, made up of $561 first payment, $60 title, $100 registration. MSRP $39,314. Lease selling price $39,314. Net capitalized cost $39,909. Residual value $24,375, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,196. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND9T8281961_lease", "type": "lease", "label": "Lease", "headline": {"value": 468, "unit": "per_month", "display": "$468/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39314.0, "selling_price": 39314.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 467.64, "net_cap_cost": 36910.0, "residual_value": 24374.68, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 467.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3626.64}, "total_of_payments": 16848, "total_of_payments_unrounded": 16835.04}, "disclosure": "Estimated lease payment for stock #T8281961, VIN JF2GUSND9T8281961. $468 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,627, made up of $468 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,314. Lease selling price $39,314. Net capitalized cost $36,910. Residual value $24,375, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,848. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 366}}, {"vin": "JF2BURJD4TY511964", "title": "2026 Subaru Outback Touring XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring XT", "decoded_trim": "Touring", "condition": "new", "price": 47400.0, "msrp": 50560.0, "sale_price": 47400.0, "currency": "USD", "mileage": 3, "exterior_color": "River Rock Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": 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the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd4ty511964/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURJD4TY511964.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD4TY511964.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD4TY511964.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd4ty511964/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,160. This offer applies to Stock #MS260248, VIN JF2BURJD4TY511964. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $50,560. Advertised price: $47,400. Savings: $3,160, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$50,560"}, {"label": "Advertised price", "value": "$47,400"}, {"label": "Savings", "value": "$3,160, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,160", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 47400.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURJD4TY511964_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 962, "unit": "per_month", "display": "$962/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47400.0, "price_incl_doc": 47400.0, "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": 961.75, "amount_financed": 50362.5, "sales_tax": 2962.5, "total_of_payments": 57704.99, "finance_charge": 7342.49, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260248, VIN JF2BURJD4TY511964. $962 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,400, before any dealer documentation fee. Amount financed $50,362, including $2,962 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,705. 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_JF2BURJD4TY511964_finance_72", "type": "finance_72", "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": 47400.0, "price_incl_doc": 47400.0, "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": 834.41, "amount_financed": 50362.5, "sales_tax": 2962.5, "total_of_payments": 60077.83, "finance_charge": 9715.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260248, VIN JF2BURJD4TY511964. $834 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,400, before any dealer documentation fee. Amount financed $50,362, including $2,962 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,078. 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_JF2BURJD4TY511964_finance_84", "type": "finance_84", "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": 47400.0, "price_incl_doc": 47400.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 747.61, "amount_financed": 50362.5, "sales_tax": 2962.5, "total_of_payments": 62799.32, "finance_charge": 12436.82, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260248, VIN JF2BURJD4TY511964. $748 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,400, before any dealer documentation fee. Amount financed $50,362, including $2,962 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,799. 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_JF2BURJD4TY511964_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50560.0, "selling_price": 47400.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 617.79, "net_cap_cost": 47995.0, "residual_value": 31347.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 617.79, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 777.79}, "total_of_payments": 22248, "total_of_payments_unrounded": 22240.44}, "disclosure": "Estimated lease payment for stock #MS260248, VIN JF2BURJD4TY511964. $618 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $778, made up of $618 first payment, $60 title, $100 registration. MSRP $50,560. Lease selling price $47,400. Net capitalized cost $47,995. Residual value $31,347, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,248. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD4TY511964_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50560.0, "selling_price": 47400.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 524.5, "net_cap_cost": 44996.0, "residual_value": 31347.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 524.5, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3683.5}, "total_of_payments": 18864, "total_of_payments_unrounded": 18882.0}, "disclosure": "Estimated lease payment for stock #MS260248, VIN JF2BURJD4TY511964. $524 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,684, made up of $524 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,560. Lease selling price $47,400. Net capitalized cost $44,996. Residual value $31,347, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,864. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 327}}, {"vin": "JF2BURJD0TY566069", "title": "2026 Subaru Outback Touring XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring XT", "decoded_trim": "Touring", "condition": "new", "price": 47546.0, "msrp": 50916.0, "sale_price": 47546.0, "currency": "USD", "mileage": 5, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260588", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566069_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "trim": "Touring", "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": 50916.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURJD0TY566069.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd0ty566069/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd0ty566069/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURJD0TY566069.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD0TY566069.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD0TY566069.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd0ty566069/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,370. This offer applies to Stock #MS260588, VIN JF2BURJD0TY566069. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $50,916. Advertised price: $47,546. Savings: $3,370, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$50,916"}, {"label": "Advertised price", "value": "$47,546"}, {"label": "Savings", "value": "$3,370, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,370", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 47546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURJD0TY566069_finance_60", "type": "finance_60", "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": 47546.0, "price_incl_doc": 47546.0, "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": 964.71, "amount_financed": 50517.63, "sales_tax": 2971.63, "total_of_payments": 57882.74, "finance_charge": 7365.11, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260588, VIN JF2BURJD0TY566069. $965 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,546, before any dealer documentation fee. Amount financed $50,518, including $2,972 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,883. 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"}, {"offer_id": "of_JF2BURJD0TY566069_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 837, "unit": "per_month", "display": "$837/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47546.0, "price_incl_doc": 47546.0, "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": 836.98, "amount_financed": 50517.63, "sales_tax": 2971.63, "total_of_payments": 60262.89, "finance_charge": 9745.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260588, VIN JF2BURJD0TY566069. $837 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,546, before any dealer documentation fee. Amount financed $50,518, including $2,972 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,263. 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_JF2BURJD0TY566069_finance_84", "type": "finance_84", "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": 47546.0, "price_incl_doc": 47546.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.91, "amount_financed": 50517.63, "sales_tax": 2971.63, "total_of_payments": 62992.76, "finance_charge": 12475.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260588, VIN JF2BURJD0TY566069. $750 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,546, before any dealer documentation fee. Amount financed $50,518, including $2,972 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,993. 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_JF2BURJD0TY566069_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50916.0, "selling_price": 47546.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 616.17, "net_cap_cost": 48141.0, "residual_value": 31567.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 616.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 776.17}, "total_of_payments": 22176, "total_of_payments_unrounded": 22182.12}, "disclosure": "Estimated lease payment for stock #MS260588, VIN JF2BURJD0TY566069. $616 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $776, made up of $616 first payment, $60 title, $100 registration. MSRP $50,916. Lease selling price $47,546. Net capitalized cost $48,141. Residual value $31,568, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,176. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD0TY566069_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50916.0, "selling_price": 47546.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 522.88, "net_cap_cost": 45142.0, "residual_value": 31567.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3681.88}, "total_of_payments": 18828, "total_of_payments_unrounded": 18823.68}, "disclosure": "Estimated lease payment for stock #MS260588, VIN JF2BURJD0TY566069. $523 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,682, made up of $523 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,916. Lease selling price $47,546. Net capitalized cost $45,142. Residual value $31,568, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,828. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 328}}, {"vin": "JF2BURMD3TY527312", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 48467.0, "msrp": 52100.0, "sale_price": 48467.0, "currency": "USD", "mileage": 3, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260361", "stock_status": "Available", "availability": "In Stock", 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"https://ai.castlesubarumchenry.com/sticker/JF2BURMD3TY527312.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd3ty527312/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd3ty527312/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURMD3TY527312.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD3TY527312.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD3TY527312.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd3ty527312/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,633. This offer applies to Stock #MS260361, VIN JF2BURMD3TY527312. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $52,100. Advertised price: $48,467. Savings: $3,633, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$52,100"}, {"label": "Advertised price", "value": "$48,467"}, {"label": "Savings", "value": "$3,633, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,633", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 48467.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURMD3TY527312_finance_60", "type": "finance_60", "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": 48467.0, "price_incl_doc": 48467.0, "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": 983.4, "amount_financed": 51496.19, "sales_tax": 3029.19, "total_of_payments": 59003.96, "finance_charge": 7507.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260361, VIN JF2BURMD3TY527312. $983 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,467, before any dealer documentation fee. Amount financed $51,496, including $3,029 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $59,004. 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"}, {"offer_id": "of_JF2BURMD3TY527312_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 853, "unit": "per_month", "display": "$853/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48467.0, "price_incl_doc": 48467.0, "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": 853.2, "amount_financed": 51496.19, "sales_tax": 3029.19, "total_of_payments": 61430.22, "finance_charge": 9934.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260361, VIN JF2BURMD3TY527312. $853 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,467, before any dealer documentation fee. Amount financed $51,496, including $3,029 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,430. 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"}, {"offer_id": "of_JF2BURMD3TY527312_finance_84", "type": "finance_84", "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": 48467.0, "price_incl_doc": 48467.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 764.44, "amount_financed": 51496.19, "sales_tax": 3029.19, "total_of_payments": 64212.97, "finance_charge": 12716.78, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260361, VIN JF2BURMD3TY527312. $764 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,467, before any dealer documentation fee. Amount financed $51,496, including $3,029 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,213. 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_JF2BURMD3TY527312_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52100.0, "selling_price": 48467.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 624.33, "net_cap_cost": 49062.0, "residual_value": 32302.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 624.33, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 784.33}, "total_of_payments": 22464, "total_of_payments_unrounded": 22475.88}, "disclosure": "Estimated lease payment for stock #MS260361, VIN JF2BURMD3TY527312. $624 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $784, made up of $624 first payment, $60 title, $100 registration. MSRP $52,100. Lease selling price $48,467. Net capitalized cost $49,062. Residual value $32,302, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,464. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD3TY527312_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52100.0, "selling_price": 48467.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 531.03, "net_cap_cost": 46063.0, "residual_value": 32302.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 531.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3690.03}, "total_of_payments": 19116, "total_of_payments_unrounded": 19117.08}, "disclosure": "Estimated lease payment for stock #MS260361, VIN JF2BURMD3TY527312. $531 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,690, made up of $531 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,100. Lease selling price $48,467. Net capitalized cost $46,063. Residual value $32,302, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,116. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 360}}, {"vin": "JF2BURJD9TY528212", "title": "2026 Subaru Outback Touring XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring XT", "decoded_trim": "Touring", "condition": "new", "price": 47146.0, "msrp": 50352.0, "sale_price": 47146.0, "currency": "USD", "mileage": 3, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260343", "stock_status": "Available", "availability": "In Stock", 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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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd9ty528212/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURJD9TY528212.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD9TY528212.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD9TY528212.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd9ty528212/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,206. This offer applies to Stock #MS260343, VIN JF2BURJD9TY528212. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $50,352. Advertised price: $47,146. Savings: $3,206, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$50,352"}, {"label": "Advertised price", "value": "$47,146"}, {"label": "Savings", "value": "$3,206, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,206", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 47146.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURJD9TY528212_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 957, "unit": "per_month", "display": "$957/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47146.0, "price_incl_doc": 47146.0, "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": 956.6, "amount_financed": 50092.63, "sales_tax": 2946.63, "total_of_payments": 57395.78, "finance_charge": 7303.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260343, VIN JF2BURJD9TY528212. $957 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,146, before any dealer documentation fee. Amount financed $50,093, including $2,947 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,396. 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_JF2BURJD9TY528212_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 830, "unit": "per_month", "display": "$830/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47146.0, "price_incl_doc": 47146.0, "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": 829.94, "amount_financed": 50092.63, "sales_tax": 2946.63, "total_of_payments": 59755.9, "finance_charge": 9663.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260343, VIN JF2BURJD9TY528212. $830 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,146, before any dealer documentation fee. Amount financed $50,093, including $2,947 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,756. 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_JF2BURJD9TY528212_finance_84", "type": "finance_84", "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": 47146.0, "price_incl_doc": 47146.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 743.6, "amount_financed": 50092.63, "sales_tax": 2946.63, "total_of_payments": 62462.81, "finance_charge": 12370.18, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260343, VIN JF2BURJD9TY528212. $744 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,146, before any dealer documentation fee. Amount financed $50,093, including $2,947 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,463. 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_JF2BURJD9TY528212_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50352.0, "selling_price": 47146.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 613.49, "net_cap_cost": 47741.0, "residual_value": 31218.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 613.49, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 773.49}, "total_of_payments": 22068, "total_of_payments_unrounded": 22085.64}, "disclosure": "Estimated lease payment for stock #MS260343, VIN JF2BURJD9TY528212. $613 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $773, made up of $613 first payment, $60 title, $100 registration. MSRP $50,352. Lease selling price $47,146. Net capitalized cost $47,741. Residual value $31,218, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,068. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD9TY528212_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50352.0, "selling_price": 47146.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 520.2, "net_cap_cost": 44742.0, "residual_value": 31218.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 520.2, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3679.2}, "total_of_payments": 18720, "total_of_payments_unrounded": 18727.2}, "disclosure": "Estimated lease payment for stock #MS260343, VIN JF2BURJD9TY528212. $520 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,679, made up of $520 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,352. Lease selling price $47,146. Net capitalized cost $44,742. Residual value $31,218, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,720. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 303}}, {"vin": "4S4GUHF67T3785368", "title": "2026 Subaru Crosstrek Sport", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 31440.0, "msrp": 33029.0, "sale_price": 31440.0, "currency": "USD", "mileage": 7, "exterior_color": "Crystal White Pearl", "interior_color": "Sport Cloth", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260479", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://ai.castlesubarumchenry.com/v/4S4GUHF67T3785368.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHF67T3785368.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhf67t3785368/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,589. This offer applies to Stock #MS260479, VIN 4S4GUHF67T3785368. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $33,029. Advertised price: $31,440. Savings: $1,589, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$33,029"}, {"label": "Advertised price", "value": "$31,440"}, {"label": "Savings", "value": "$1,589, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,589", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 31440.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF67T3785368_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": 31440.0, "price_incl_doc": 31440.0, "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": 637.92, "amount_financed": 33405.0, "sales_tax": 1965.0, "total_of_payments": 38275.21, "finance_charge": 4870.21, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260479, VIN 4S4GUHF67T3785368. $638 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,440, before any dealer documentation fee. Amount financed $33,405, including $1,965 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,275. 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_4S4GUHF67T3785368_finance_72", "type": "finance_72", "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": 31440.0, "price_incl_doc": 31440.0, "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": 553.46, "amount_financed": 33405.0, "sales_tax": 1965.0, "total_of_payments": 39849.09, "finance_charge": 6444.09, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260479, VIN 4S4GUHF67T3785368. $553 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,440, before any dealer documentation fee. Amount financed $33,405, including $1,965 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $39,849. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF67T3785368_finance_84", "type": "finance_84", "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": 31440.0, "price_incl_doc": 31440.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 495.88, "amount_financed": 33405.0, "sales_tax": 1965.0, "total_of_payments": 41654.23, "finance_charge": 8249.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260479, VIN 4S4GUHF67T3785368. $496 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,440, before any dealer documentation fee. Amount financed $33,405, including $1,965 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,654. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF67T3785368_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 425, "unit": "per_month", "display": "$425/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33029.0, "selling_price": 31440.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 424.79, "net_cap_cost": 32035.0, "residual_value": 20477.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 424.79, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 584.79}, "total_of_payments": 15300, "total_of_payments_unrounded": 15292.44}, "disclosure": "Estimated lease payment for stock #MS260479, VIN 4S4GUHF67T3785368. $425 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $585, made up of $425 first payment, $60 title, $100 registration. MSRP $33,029. Lease selling price $31,440. Net capitalized cost $32,035. Residual value $20,478, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,300. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF67T3785368_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33029.0, "selling_price": 31440.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 331.49, "net_cap_cost": 29036.0, "residual_value": 20477.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 331.49, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3490.49}, "total_of_payments": 11916, "total_of_payments_unrounded": 11933.64}, "disclosure": "Estimated lease payment for stock #MS260479, VIN 4S4GUHF67T3785368. $331 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,490, made up of $331 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,029. Lease selling price $31,440. Net capitalized cost $29,036. Residual value $20,478, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,916. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 288}}, {"vin": "JF2BUPDD6TY526417", "title": "2026 Subaru Outback Limited", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Limited", "decoded_trim": "Limited", "condition": "new", "price": 41679.0, "msrp": 44384.0, "sale_price": 41679.0, "currency": "USD", "mileage": 7, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260363", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 33, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/a1c959e94777483fb2d20869738e42f5.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/a1c959e94777483fb2d20869738e42f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/160d3e75f8344efc84320ad9b0b7edb6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48c5afffca75424e86faf34588d1ecb0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9b2bb4ae0b764029b452ab97de844c6f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/19c3011e4b6547a0aae51c047983155a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e6333f99164741328163288d28b3f080.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5774591a93ea48c1afff1f0ade9d5bfe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3c0326a9c6634170b5652a098e681b28.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7b2d514fce8845cfbba94927b87bacb3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f9ea5e005965489abda4ce3ecfd1969f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ccb6d76f62c410f8c3635f0397fbf08.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1b5d7763e7ac4fa187a95942c6b6560e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e6e28969863c4389b83e9159275f46ff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41c69e08e0ac4284bd80b510ed34ecbe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/880ee7c6488547f4b462b84a0cd0c4c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3d7bad990b6c44268d984dcac1c55af9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/96c8bc51e873468d85f50523de242462.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c1ca7a6e0fa94b2690c41052dc94a6df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e37eba3f97054900be39e78d9dc9a092.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/baa09b7e78bd41ffacc7d5e774899147.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6bf95b80b38d45f7a1f723e03c66645f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2ed39e88c5454da3995d72db056a4bdd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9ccc9e6989364be98b05b892ddc1472a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/82ff5d2231ab4633a6243241ab2292f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/07fb2755718848578a773f29960e9ee1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/486b1eb47fce4821b6ba249f12e0e82d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48385e787ad446bf883ebdee87075868.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b0d374ac1e1d493d8fe8d9e2bdf1791b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/204faa4927ce41909e9386e0dd48093d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f40cb51bf1d841d1b7f5f1f783794de9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e4a13c1dd6d34b9b9e6fd981aece4027.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5c7f6b7ab75049bb8426ea3cdffb84e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/14d89e85b73c43719d9c799ce9835373.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "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": 44384.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPDD6TY526417.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd6ty526417/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd6ty526417/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPDD6TY526417.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD6TY526417.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD6TY526417.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd6ty526417/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,705. This offer applies to Stock #MS260363, VIN JF2BUPDD6TY526417. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $44,384. Advertised price: $41,679. Savings: $2,705, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$44,384"}, {"label": "Advertised price", "value": "$41,679"}, {"label": "Savings", "value": "$2,705, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,705", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 41679.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPDD6TY526417_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": 41679.0, "price_incl_doc": 41679.0, "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": 845.67, "amount_financed": 44283.94, "sales_tax": 2604.94, "total_of_payments": 50740.22, "finance_charge": 6456.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260363, VIN JF2BUPDD6TY526417. $846 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,679, before any dealer documentation fee. Amount financed $44,284, including $2,605 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,740. 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"}, {"offer_id": "of_JF2BUPDD6TY526417_finance_72", "type": "finance_72", "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": 41679.0, "price_incl_doc": 41679.0, "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": 733.7, "amount_financed": 44283.94, "sales_tax": 2604.94, "total_of_payments": 52826.67, "finance_charge": 8542.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260363, VIN JF2BUPDD6TY526417. $734 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,679, before any dealer documentation fee. Amount financed $44,284, including $2,605 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,827. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD6TY526417_finance_84", "type": "finance_84", "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": 41679.0, "price_incl_doc": 41679.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 657.38, "amount_financed": 44283.94, "sales_tax": 2604.94, "total_of_payments": 55219.68, "finance_charge": 10935.74, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260363, VIN JF2BUPDD6TY526417. $657 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,679, before any dealer documentation fee. Amount financed $44,284, including $2,605 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,220. 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"}, {"offer_id": "of_JF2BUPDD6TY526417_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44384.0, "selling_price": 41679.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 546.74, "net_cap_cost": 42274.0, "residual_value": 27518.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 706.74}, "total_of_payments": 19692, "total_of_payments_unrounded": 19682.64}, "disclosure": "Estimated lease payment for stock #MS260363, VIN JF2BUPDD6TY526417. $547 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $707, made up of $547 first payment, $60 title, $100 registration. MSRP $44,384. Lease selling price $41,679. Net capitalized cost $42,274. Residual value $27,518, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,692. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD6TY526417_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44384.0, "selling_price": 41679.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 453.44, "net_cap_cost": 39275.0, "residual_value": 27518.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 453.44, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3612.44}, "total_of_payments": 16308, "total_of_payments_unrounded": 16323.84}, "disclosure": "Estimated lease payment for stock #MS260363, VIN JF2BUPDD6TY526417. $453 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,612, made up of $453 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $44,384. Lease selling price $41,679. Net capitalized cost $39,275. Residual value $27,518, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,308. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 275}}, {"vin": "4S4SLDH63T3132653", "title": "2026 Subaru Forester Sport", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 36944.0, "msrp": 39287.0, "sale_price": 36944.0, "currency": "USD", "mileage": 7, "exterior_color": "River Rock Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "MS260527", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39287.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDH63T3132653.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh63t3132653/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh63t3132653/2026-subaru-forester-sport-utility", "canonical_url": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,343. This offer applies to Stock #MS260527, VIN 4S4SLDH63T3132653. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,287. Advertised price: $36,944. Savings: $2,343, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,287"}, {"label": "Advertised price", "value": "$36,944"}, {"label": "Savings", "value": "$2,343, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,343", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 36944.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDH63T3132653_finance_60", "type": "finance_60", "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": 36944.0, "price_incl_doc": 36944.0, "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": 749.6, "amount_financed": 39253.0, "sales_tax": 2309.0, "total_of_payments": 44975.81, "finance_charge": 5722.81, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260527, VIN 4S4SLDH63T3132653. $750 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,944, before any dealer documentation fee. Amount financed $39,253, including $2,309 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,976. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH63T3132653_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": 36944.0, "price_incl_doc": 36944.0, "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": 650.35, "amount_financed": 39253.0, "sales_tax": 2309.0, "total_of_payments": 46825.22, "finance_charge": 7572.22, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260527, VIN 4S4SLDH63T3132653. $650 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,944, before any dealer documentation fee. Amount financed $39,253, including $2,309 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,825. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH63T3132653_finance_84", "type": "finance_84", "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": 36944.0, "price_incl_doc": 36944.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.69, "amount_financed": 39253.0, "sales_tax": 2309.0, "total_of_payments": 48946.37, "finance_charge": 9693.37, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260527, VIN 4S4SLDH63T3132653. $583 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,944, before any dealer documentation fee. Amount financed $39,253, including $2,309 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,946. 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_4S4SLDH63T3132653_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 488, "unit": "per_month", "display": "$488/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39287.0, "selling_price": 36944.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 487.67, "net_cap_cost": 37539.0, "residual_value": 24357.94, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 487.67, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 647.67}, "total_of_payments": 17568, "total_of_payments_unrounded": 17556.12}, "disclosure": "Estimated lease payment for stock #MS260527, VIN 4S4SLDH63T3132653. $488 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $648, made up of $488 first payment, $60 title, $100 registration. MSRP $39,287. Lease selling price $36,944. Net capitalized cost $37,539. Residual value $24,358, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,568. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH63T3132653_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39287.0, "selling_price": 36944.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 394.38, "net_cap_cost": 34540.0, "residual_value": 24357.94, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 394.38, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3553.38}, "total_of_payments": 14184, "total_of_payments_unrounded": 14197.68}, "disclosure": "Estimated lease payment for stock #MS260527, VIN 4S4SLDH63T3132653. $394 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,553, made up of $394 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,287. Lease selling price $36,944. Net capitalized cost $34,540. Residual value $24,358, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,184. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 274}}, {"vin": "JF2BURMD7TY525269", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 48467.0, "msrp": 52100.0, "sale_price": 48467.0, "currency": "USD", "mileage": 7, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260367", "stock_status": "Available", "availability": "In Stock", 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"https://ai.castlesubarumchenry.com/sticker/JF2BURMD7TY525269.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd7ty525269/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd7ty525269/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURMD7TY525269.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD7TY525269.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD7TY525269.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd7ty525269/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,633. This offer applies to Stock #MS260367, VIN JF2BURMD7TY525269. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $52,100. Advertised price: $48,467. Savings: $3,633, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$52,100"}, {"label": "Advertised price", "value": "$48,467"}, {"label": "Savings", "value": "$3,633, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,633", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 48467.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURMD7TY525269_finance_60", "type": "finance_60", "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": 48467.0, "price_incl_doc": 48467.0, "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": 983.4, "amount_financed": 51496.19, "sales_tax": 3029.19, "total_of_payments": 59003.96, "finance_charge": 7507.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260367, VIN JF2BURMD7TY525269. $983 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,467, before any dealer documentation fee. Amount financed $51,496, including $3,029 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $59,004. 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"}, {"offer_id": "of_JF2BURMD7TY525269_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 853, "unit": "per_month", "display": "$853/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48467.0, "price_incl_doc": 48467.0, "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": 853.2, "amount_financed": 51496.19, "sales_tax": 3029.19, "total_of_payments": 61430.22, "finance_charge": 9934.03, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260367, VIN JF2BURMD7TY525269. $853 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,467, before any dealer documentation fee. Amount financed $51,496, including $3,029 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,430. 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"}, {"offer_id": "of_JF2BURMD7TY525269_finance_84", "type": "finance_84", "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": 48467.0, "price_incl_doc": 48467.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 764.44, "amount_financed": 51496.19, "sales_tax": 3029.19, "total_of_payments": 64212.97, "finance_charge": 12716.78, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260367, VIN JF2BURMD7TY525269. $764 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,467, before any dealer documentation fee. Amount financed $51,496, including $3,029 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,213. 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_JF2BURMD7TY525269_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52100.0, "selling_price": 48467.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 624.33, "net_cap_cost": 49062.0, "residual_value": 32302.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 624.33, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 784.33}, "total_of_payments": 22464, "total_of_payments_unrounded": 22475.88}, "disclosure": "Estimated lease payment for stock #MS260367, VIN JF2BURMD7TY525269. $624 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $784, made up of $624 first payment, $60 title, $100 registration. MSRP $52,100. Lease selling price $48,467. Net capitalized cost $49,062. Residual value $32,302, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,464. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD7TY525269_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52100.0, "selling_price": 48467.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 531.03, "net_cap_cost": 46063.0, "residual_value": 32302.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 531.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3690.03}, "total_of_payments": 19116, "total_of_payments_unrounded": 19117.08}, "disclosure": "Estimated lease payment for stock #MS260367, VIN JF2BURMD7TY525269. $531 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,690, made up of $531 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,100. Lease selling price $48,467. Net capitalized cost $46,063. Residual value $32,302, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,116. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 273}}, {"vin": "JF2BUPDD7TY526359", "title": "2026 Subaru Outback Limited", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Limited", "decoded_trim": "Limited", "condition": "new", "price": 41679.0, "msrp": 44384.0, "sale_price": 41679.0, "currency": "USD", "mileage": 7, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260364", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd7ty526359/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPDD7TY526359.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD7TY526359.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD7TY526359.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd7ty526359/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,705. This offer applies to Stock #MS260364, VIN JF2BUPDD7TY526359. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $44,384. Advertised price: $41,679. Savings: $2,705, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$44,384"}, {"label": "Advertised price", "value": "$41,679"}, {"label": "Savings", "value": "$2,705, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,705", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 41679.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPDD7TY526359_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": 41679.0, "price_incl_doc": 41679.0, "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": 845.67, "amount_financed": 44283.94, "sales_tax": 2604.94, "total_of_payments": 50740.22, "finance_charge": 6456.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260364, VIN JF2BUPDD7TY526359. $846 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,679, before any dealer documentation fee. Amount financed $44,284, including $2,605 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,740. 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"}, {"offer_id": "of_JF2BUPDD7TY526359_finance_72", "type": "finance_72", "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": 41679.0, "price_incl_doc": 41679.0, "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": 733.7, "amount_financed": 44283.94, "sales_tax": 2604.94, "total_of_payments": 52826.67, "finance_charge": 8542.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260364, VIN JF2BUPDD7TY526359. $734 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,679, before any dealer documentation fee. Amount financed $44,284, including $2,605 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,827. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD7TY526359_finance_84", "type": "finance_84", "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": 41679.0, "price_incl_doc": 41679.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 657.38, "amount_financed": 44283.94, "sales_tax": 2604.94, "total_of_payments": 55219.68, "finance_charge": 10935.74, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260364, VIN JF2BUPDD7TY526359. $657 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,679, before any dealer documentation fee. Amount financed $44,284, including $2,605 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,220. 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"}, {"offer_id": "of_JF2BUPDD7TY526359_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44384.0, "selling_price": 41679.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 546.74, "net_cap_cost": 42274.0, "residual_value": 27518.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 546.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 706.74}, "total_of_payments": 19692, "total_of_payments_unrounded": 19682.64}, "disclosure": "Estimated lease payment for stock #MS260364, VIN JF2BUPDD7TY526359. $547 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $707, made up of $547 first payment, $60 title, $100 registration. MSRP $44,384. Lease selling price $41,679. Net capitalized cost $42,274. Residual value $27,518, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,692. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD7TY526359_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44384.0, "selling_price": 41679.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 453.44, "net_cap_cost": 39275.0, "residual_value": 27518.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 453.44, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3612.44}, "total_of_payments": 16308, "total_of_payments_unrounded": 16323.84}, "disclosure": "Estimated lease payment for stock #MS260364, VIN JF2BUPDD7TY526359. $453 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,612, made up of $453 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $44,384. Lease selling price $41,679. Net capitalized cost $39,275. Residual value $27,518, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,308. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 273}}, {"vin": "JF2BUPDD9TY546855", "title": "2026 Subaru Outback Limited", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Limited", "decoded_trim": "Limited", "condition": "new", "price": 41427.0, "msrp": 43995.0, "sale_price": 41427.0, "currency": "USD", "mileage": 7, "exterior_color": "Ice Silver Metallic", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260441", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd9ty546855/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPDD9TY546855.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD9TY546855.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD9TY546855.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd9ty546855/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,568. This offer applies to Stock #MS260441, VIN JF2BUPDD9TY546855. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $43,995. Advertised price: $41,427. Savings: $2,568, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$43,995"}, {"label": "Advertised price", "value": "$41,427"}, {"label": "Savings", "value": "$2,568, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,568", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 41427.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPDD9TY546855_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 841, "unit": "per_month", "display": "$841/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41427.0, "price_incl_doc": 41427.0, "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": 840.56, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 50433.43, "finance_charge": 6417.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260441, VIN JF2BUPDD9TY546855. $841 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,433. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD9TY546855_finance_72", "type": "finance_72", "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": 41427.0, "price_incl_doc": 41427.0, "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": 729.27, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 52507.27, "finance_charge": 8491.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260441, VIN JF2BUPDD9TY546855. $729 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,507. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD9TY546855_finance_84", "type": "finance_84", "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": 41427.0, "price_incl_doc": 41427.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.4, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 54885.81, "finance_charge": 10869.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260441, VIN JF2BUPDD9TY546855. $653 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,886. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD9TY546855_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43995.0, "selling_price": 41427.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 545.63, "net_cap_cost": 42022.0, "residual_value": 27276.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 545.63, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 705.63}, "total_of_payments": 19656, "total_of_payments_unrounded": 19642.68}, "disclosure": "Estimated lease payment for stock #MS260441, VIN JF2BUPDD9TY546855. $546 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $706, made up of $546 first payment, $60 title, $100 registration. MSRP $43,995. Lease selling price $41,427. Net capitalized cost $42,022. Residual value $27,277, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD9TY546855_lease", "type": "lease", "label": "Lease", "headline": {"value": 452, "unit": "per_month", "display": "$452/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43995.0, "selling_price": 41427.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 452.34, "net_cap_cost": 39023.0, "residual_value": 27276.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 452.34, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3611.34}, "total_of_payments": 16272, "total_of_payments_unrounded": 16284.24}, "disclosure": "Estimated lease payment for stock #MS260441, VIN JF2BUPDD9TY546855. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,611, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,995. Lease selling price $41,427. Net capitalized cost $39,023. Residual value $27,277, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,272. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 273}}, {"vin": "4S4SLDT63T3144681", "title": "2026 Subaru Forester Touring", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Touring", "decoded_trim": "Touring", "condition": "new", "price": 43436.0, "msrp": 43436.0, "sale_price": 43436.0, "currency": "USD", "mileage": null, "exterior_color": "Daybreak Blue Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3144681", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDT63T3144681_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "year": 2026, "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 43436.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDT63T3144681.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldt63t3144681/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldt63t3144681/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDT63T3144681.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDT63T3144681.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDT63T3144681.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldt63t3144681/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3144681, VIN 4S4SLDT63T3144681. Advertised price: $43,436. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$43,436"}], "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": "2026-07-26T16:50:09Z", "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": 43436.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDT63T3144681_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": 43436.0, "price_incl_doc": 43436.0, "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": 881.32, "amount_financed": 46150.75, "sales_tax": 2714.75, "total_of_payments": 52879.2, "finance_charge": 6728.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3144681, VIN 4S4SLDT63T3144681. $881 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,436, before any dealer documentation fee. Amount financed $46,151, including $2,715 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,879. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDT63T3144681_finance_72", "type": "finance_72", "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": 43436.0, "price_incl_doc": 43436.0, "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": 764.63, "amount_financed": 46150.75, "sales_tax": 2714.75, "total_of_payments": 55053.6, "finance_charge": 8902.85, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3144681, VIN 4S4SLDT63T3144681. $765 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,436, before any dealer documentation fee. Amount financed $46,151, including $2,715 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,054. 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_4S4SLDT63T3144681_finance_84", "type": "finance_84", "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": 43436.0, "price_incl_doc": 43436.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 685.09, "amount_financed": 46150.75, "sales_tax": 2714.75, "total_of_payments": 57547.49, "finance_charge": 11396.74, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3144681, VIN 4S4SLDT63T3144681. $685 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,436, before any dealer documentation fee. Amount financed $46,151, including $2,715 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,547. 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_4S4SLDT63T3144681_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43436.0, "selling_price": 43436.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 617.8, "net_cap_cost": 44031.0, "residual_value": 26930.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 617.8, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 777.8}, "total_of_payments": 22248, "total_of_payments_unrounded": 22240.8}, "disclosure": "Estimated lease payment for stock #T3144681, VIN 4S4SLDT63T3144681. $618 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $778, made up of $618 first payment, $60 title, $100 registration. MSRP $43,436. Lease selling price $43,436. Net capitalized cost $44,031. Residual value $26,930, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,248. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDT63T3144681_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43436.0, "selling_price": 43436.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 524.51, "net_cap_cost": 41032.0, "residual_value": 26930.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 524.51, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3683.51}, "total_of_payments": 18900, "total_of_payments_unrounded": 18882.36}, "disclosure": "Estimated lease payment for stock #T3144681, VIN 4S4SLDT63T3144681. $525 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,684, made up of $525 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,436. Lease selling price $43,436. Net capitalized cost $41,032. Residual value $26,930, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,900. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 266}}, {"vin": "4S4WMAGD0T3428405", "title": "2026 Subaru Ascent Limited 7-Passenger", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Limited 7-Passenger", "decoded_trim": "Limited", "condition": "new", "price": 47274.0, "msrp": 50499.0, "sale_price": 47274.0, "currency": "USD", "mileage": 12, "exterior_color": "Crimson Red Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, 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"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": 50499.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4WMAGD0T3428405.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmagd0t3428405/2026-subaru-ascent-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmagd0t3428405/2026-subaru-ascent-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4WMAGD0T3428405.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4WMAGD0T3428405.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4WMAGD0T3428405.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmagd0t3428405/2026-subaru-ascent-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,225. This offer applies to Stock #MS260470, VIN 4S4WMAGD0T3428405. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $50,499. Advertised price: $47,274. Savings: $3,225, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$50,499"}, {"label": "Advertised price", "value": "$47,274"}, {"label": "Savings", "value": "$3,225, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,225", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 47274.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMAGD0T3428405_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 959, "unit": "per_month", "display": "$959/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47274.0, "price_incl_doc": 47274.0, "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": 959.19, "amount_financed": 50228.63, "sales_tax": 2954.63, "total_of_payments": 57551.6, "finance_charge": 7322.97, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260470, VIN 4S4WMAGD0T3428405. $959 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,274, before any dealer documentation fee. Amount financed $50,229, including $2,955 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,552. 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_4S4WMAGD0T3428405_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 832, "unit": "per_month", "display": "$832/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47274.0, "price_incl_doc": 47274.0, "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": 832.2, "amount_financed": 50228.63, "sales_tax": 2954.63, "total_of_payments": 59918.14, "finance_charge": 9689.51, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260470, VIN 4S4WMAGD0T3428405. $832 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,274, before any dealer documentation fee. Amount financed $50,229, including $2,955 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,918. 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_4S4WMAGD0T3428405_finance_84", "type": "finance_84", "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": 47274.0, "price_incl_doc": 47274.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 745.62, "amount_financed": 50228.63, "sales_tax": 2954.63, "total_of_payments": 62632.39, "finance_charge": 12403.76, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260470, VIN 4S4WMAGD0T3428405. $746 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,274, before any dealer documentation fee. Amount financed $50,229, including $2,955 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,632. 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_4S4WMAGD0T3428405_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 615, "unit": "per_month", "display": "$615/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50499.0, "selling_price": 47274.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 614.93, "net_cap_cost": 47869.0, "residual_value": 31309.38, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 614.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 774.93}, "total_of_payments": 22140, "total_of_payments_unrounded": 22137.48}, "disclosure": "Estimated lease payment for stock #MS260470, VIN 4S4WMAGD0T3428405. $615 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $775, made up of $615 first payment, $60 title, $100 registration. MSRP $50,499. Lease selling price $47,274. Net capitalized cost $47,869. Residual value $31,309, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,140. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAGD0T3428405_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50499.0, "selling_price": 47274.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 521.64, "net_cap_cost": 44870.0, "residual_value": 31309.38, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 521.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3680.64}, "total_of_payments": 18792, "total_of_payments_unrounded": 18779.04}, "disclosure": "Estimated lease payment for stock #MS260470, VIN 4S4WMAGD0T3428405. $522 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,681, made up of $522 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,499. Lease selling price $47,274. Net capitalized cost $44,870. Residual value $31,309, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,792. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 331}}, {"vin": "JF2BURGD0TY519650", "title": "2026 Subaru Outback Limited XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Limited XT", "decoded_trim": "Limited", "condition": "new", "price": 46847.0, "msrp": 46847.0, "sale_price": 46847.0, "currency": "USD", "mileage": null, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.4L 4-Cylinder", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "TY519650", "stock_status": "Available", "availability": "In Stock", 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"https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGD0TY519650_34.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGD0TY519650_35.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGD0TY519650_36.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGD0TY519650_37.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGD0TY519650_38.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "trim": "Limited", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 46847.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURGD0TY519650.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burgd0ty519650/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burgd0ty519650/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURGD0TY519650.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURGD0TY519650.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURGD0TY519650.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burgd0ty519650/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #TY519650, VIN JF2BURGD0TY519650. Advertised price: $46,847. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$46,847"}], "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": "2026-07-26T16:50:09Z", "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": 46847.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURGD0TY519650_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 951, "unit": "per_month", "display": "$951/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46847.0, "price_incl_doc": 46847.0, "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": 950.53, "amount_financed": 49774.94, "sales_tax": 2927.94, "total_of_payments": 57031.77, "finance_charge": 7256.83, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY519650, VIN JF2BURGD0TY519650. $951 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,847, before any dealer documentation fee. Amount financed $49,775, including $2,928 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,032. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGD0TY519650_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 825, "unit": "per_month", "display": "$825/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46847.0, "price_incl_doc": 46847.0, "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": 824.68, "amount_financed": 49774.94, "sales_tax": 2927.94, "total_of_payments": 59376.93, "finance_charge": 9601.99, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY519650, VIN JF2BURGD0TY519650. $825 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,847, before any dealer documentation fee. Amount financed $49,775, including $2,928 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,377. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGD0TY519650_finance_84", "type": "finance_84", "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": 46847.0, "price_incl_doc": 46847.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 738.89, "amount_financed": 49774.94, "sales_tax": 2927.94, "total_of_payments": 62066.66, "finance_charge": 12291.72, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY519650, VIN JF2BURGD0TY519650. $739 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,847, before any dealer documentation fee. Amount financed $49,775, including $2,928 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,067. 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"}, {"offer_id": "of_JF2BURGD0TY519650_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 665, "unit": "per_month", "display": "$665/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46847.0, "selling_price": 46847.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 664.86, "net_cap_cost": 47442.0, "residual_value": 29045.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 664.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 824.86}, "total_of_payments": 23940, "total_of_payments_unrounded": 23934.96}, "disclosure": "Estimated lease payment for stock #TY519650, VIN JF2BURGD0TY519650. $665 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $825, made up of $665 first payment, $60 title, $100 registration. MSRP $46,847. Lease selling price $46,847. Net capitalized cost $47,442. Residual value $29,045, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,940. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGD0TY519650_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46847.0, "selling_price": 46847.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 571.57, "net_cap_cost": 44443.0, "residual_value": 29045.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 571.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3730.57}, "total_of_payments": 20592, "total_of_payments_unrounded": 20576.52}, "disclosure": "Estimated lease payment for stock #TY519650, VIN JF2BURGD0TY519650. $572 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,731, made up of $572 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,847. Lease selling price $46,847. Net capitalized cost $44,443. Residual value $29,045, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,592. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 333}}, {"vin": "JTMBDAFC6TA012334", "title": "2026 Subaru Solterra Limited XT", "year": 2026, "make": "Subaru", "model": "Solterra", "trim": "Limited XT", "decoded_trim": "15 Series", "condition": "new", "price": 45328.0, "msrp": 45328.0, "sale_price": 45328.0, "currency": "USD", "mileage": null, "exterior_color": "ASTRO BLACK MICA", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Electric", "doors": 4, "seating_capacity": null, "engine": null, "engine_displacement_l": null, "engine_cylinders": null, "transmission": "Direct Drive", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "TA012334", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBDAFC6TA012334_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Solterra", "year": 2026, "trim": "15 Series", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": null, "engine_displacement_l": null, "cylinders": null, "drive_type": "4WD", "fuel_type": "Electric", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 45328.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JTMBDAFC6TA012334.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jtmbdafc6ta012334/2026-subaru-solterra-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jtmbdafc6ta012334/2026-subaru-solterra-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JTMBDAFC6TA012334.html", "json_url": "https://ai.castlesubarumchenry.com/v/JTMBDAFC6TA012334.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JTMBDAFC6TA012334.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jtmbdafc6ta012334/2026-subaru-solterra-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #TA012334, VIN JTMBDAFC6TA012334. Advertised price: $45,328. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$45,328"}], "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": "2026-07-26T16:50:09Z", "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": 45328.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JTMBDAFC6TA012334_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 920, "unit": "per_month", "display": "$920/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45328.0, "price_incl_doc": 45328.0, "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": 919.71, "amount_financed": 48161.0, "sales_tax": 2833.0, "total_of_payments": 55182.53, "finance_charge": 7021.53, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TA012334, VIN JTMBDAFC6TA012334. $920 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,328, before any dealer documentation fee. Amount financed $48,161, including $2,833 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,183. 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_JTMBDAFC6TA012334_finance_72", "type": "finance_72", "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": 45328.0, "price_incl_doc": 45328.0, "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": 797.94, "amount_financed": 48161.0, "sales_tax": 2833.0, "total_of_payments": 57451.65, "finance_charge": 9290.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TA012334, VIN JTMBDAFC6TA012334. $798 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,328, before any dealer documentation fee. Amount financed $48,161, including $2,833 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,452. 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_JTMBDAFC6TA012334_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 715, "unit": "per_month", "display": "$715/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45328.0, "price_incl_doc": 45328.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 714.93, "amount_financed": 48161.0, "sales_tax": 2833.0, "total_of_payments": 60054.17, "finance_charge": 11893.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TA012334, VIN JTMBDAFC6TA012334. $715 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,328, before any dealer documentation fee. Amount financed $48,161, including $2,833 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,054. 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_JTMBDAFC6TA012334_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 644, "unit": "per_month", "display": "$644/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45328.0, "selling_price": 45328.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 643.91, "net_cap_cost": 45923.0, "residual_value": 28103.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 643.91, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 803.91}, "total_of_payments": 23184, "total_of_payments_unrounded": 23180.76}, "disclosure": "Estimated lease payment for stock #TA012334, VIN JTMBDAFC6TA012334. $644 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $804, made up of $644 first payment, $60 title, $100 registration. MSRP $45,328. Lease selling price $45,328. Net capitalized cost $45,923. Residual value $28,103, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,184. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JTMBDAFC6TA012334_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45328.0, "selling_price": 45328.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 550.61, "net_cap_cost": 42924.0, "residual_value": 28103.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 550.61, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3709.61}, "total_of_payments": 19836, "total_of_payments_unrounded": 19821.96}, "disclosure": "Estimated lease payment for stock #TA012334, VIN JTMBDAFC6TA012334. $551 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,710, made up of $551 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,328. Lease selling price $45,328. Net capitalized cost $42,924. Residual value $28,103, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,836. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 342}}, {"vin": "4S4WMALD6T3423215", "title": "2026 Subaru Ascent Onyx Edition Touring 7-Passenger", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Onyx Edition Touring 7-Passenger", "decoded_trim": "Onyx Touring", "condition": "new", "price": 51239.0, "msrp": 54838.0, "sale_price": 51239.0, "currency": "USD", "mileage": 12, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", 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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": "Manufacturer's suggested retail price", "value": "$54,838"}, {"label": "Advertised price", "value": "$51,239"}, {"label": "Savings", "value": "$3,599, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,599", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 51239.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMALD6T3423215_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1040, "unit": "per_month", "display": "$1,040/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51239.0, "price_incl_doc": 51239.0, "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": 1039.64, "amount_financed": 54441.44, "sales_tax": 3202.44, "total_of_payments": 62378.61, "finance_charge": 7937.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260374, VIN 4S4WMALD6T3423215. $1,040 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,239, before any dealer documentation fee. Amount financed $54,441, including $3,202 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,379. 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_4S4WMALD6T3423215_finance_72", "type": "finance_72", "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": 51239.0, "price_incl_doc": 51239.0, "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": 901.99, "amount_financed": 54441.44, "sales_tax": 3202.44, "total_of_payments": 64943.63, "finance_charge": 10502.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260374, VIN 4S4WMALD6T3423215. $902 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,239, before any dealer documentation fee. Amount financed $54,441, including $3,202 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,944. 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_4S4WMALD6T3423215_finance_84", "type": "finance_84", "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": 51239.0, "price_incl_doc": 51239.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.16, "amount_financed": 54441.44, "sales_tax": 3202.44, "total_of_payments": 67885.54, "finance_charge": 13444.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260374, VIN 4S4WMALD6T3423215. $808 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,239, before any dealer documentation fee. Amount financed $54,441, including $3,202 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,886. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMALD6T3423215_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 54838.0, "selling_price": 51239.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 663.16, "net_cap_cost": 51834.0, "residual_value": 33999.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 663.16, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 823.16}, "total_of_payments": 23868, "total_of_payments_unrounded": 23873.76}, "disclosure": "Estimated lease payment for stock #MS260374, VIN 4S4WMALD6T3423215. $663 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $823, made up of $663 first payment, $60 title, $100 registration. MSRP $54,838. Lease selling price $51,239. Net capitalized cost $51,834. Residual value $34,000, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,868. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMALD6T3423215_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 54838.0, "selling_price": 51239.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 569.87, "net_cap_cost": 48835.0, "residual_value": 33999.56, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 569.87, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3728.87}, "total_of_payments": 20520, "total_of_payments_unrounded": 20515.32}, "disclosure": "Estimated lease payment for stock #MS260374, VIN 4S4WMALD6T3423215. $570 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,729, made up of $570 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $54,838. Lease selling price $51,239. Net capitalized cost $48,835. Residual value $34,000, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,520. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 341}}, {"vin": "4S4SLDD63T3145344", "title": "2026 Subaru Forester Premium", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 35552.0, "msrp": 35552.0, "sale_price": 35552.0, "currency": "USD", "mileage": null, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3145344", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD63T3145344_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35552.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDD63T3145344.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldd63t3145344/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldd63t3145344/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDD63T3145344.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDD63T3145344.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDD63T3145344.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldd63t3145344/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3145344, VIN 4S4SLDD63T3145344. Advertised price: $35,552. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$35,552"}], "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": "2026-07-26T16:50:09Z", "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": 35552.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDD63T3145344_finance_60", "type": "finance_60", "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": 35552.0, "price_incl_doc": 35552.0, "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": 721.35, "amount_financed": 37774.0, "sales_tax": 2222.0, "total_of_payments": 43281.18, "finance_charge": 5507.18, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3145344, VIN 4S4SLDD63T3145344. $721 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,552, before any dealer documentation fee. Amount financed $37,774, including $2,222 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,281. 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_4S4SLDD63T3145344_finance_72", "type": "finance_72", "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": 35552.0, "price_incl_doc": 35552.0, "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": 625.85, "amount_financed": 37774.0, "sales_tax": 2222.0, "total_of_payments": 45060.91, "finance_charge": 7286.91, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3145344, VIN 4S4SLDD63T3145344. $626 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,552, before any dealer documentation fee. Amount financed $37,774, including $2,222 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,061. 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"}, {"offer_id": "of_4S4SLDD63T3145344_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 561, "unit": "per_month", "display": "$561/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35552.0, "price_incl_doc": 35552.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 560.74, "amount_financed": 37774.0, "sales_tax": 2222.0, "total_of_payments": 47102.14, "finance_charge": 9328.14, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3145344, VIN 4S4SLDD63T3145344. $561 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,552, before any dealer documentation fee. Amount financed $37,774, including $2,222 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,102. 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_4S4SLDD63T3145344_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35552.0, "selling_price": 35552.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 509.03, "net_cap_cost": 36147.0, "residual_value": 22042.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 509.03, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 669.03}, "total_of_payments": 18324, "total_of_payments_unrounded": 18325.08}, "disclosure": "Estimated lease payment for stock #T3145344, VIN 4S4SLDD63T3145344. $509 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $669, made up of $509 first payment, $60 title, $100 registration. MSRP $35,552. Lease selling price $35,552. Net capitalized cost $36,147. Residual value $22,042, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,324. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDD63T3145344_lease", "type": "lease", "label": "Lease", "headline": {"value": 416, "unit": "per_month", "display": "$416/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35552.0, "selling_price": 35552.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 415.73, "net_cap_cost": 33148.0, "residual_value": 22042.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 415.73, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3574.73}, "total_of_payments": 14976, "total_of_payments_unrounded": 14966.28}, "disclosure": "Estimated lease payment for stock #T3145344, VIN 4S4SLDD63T3145344. $416 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,575, made up of $416 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,552. Lease selling price $35,552. Net capitalized cost $33,148. Residual value $22,042, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,976. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 341}}, {"vin": "4S4SLDH67T3109313", "title": "2026 Subaru Forester Sport", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 36779.0, "msrp": 39103.0, "sale_price": 36779.0, "currency": "USD", "mileage": 7, "exterior_color": "River Rock Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, 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2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39103.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDH67T3109313.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh67t3109313/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh67t3109313/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDH67T3109313.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDH67T3109313.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDH67T3109313.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh67t3109313/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,324. This offer applies to Stock #MS260412, VIN 4S4SLDH67T3109313. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,103. Advertised price: $36,779. Savings: $2,324, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,103"}, {"label": "Advertised price", "value": "$36,779"}, {"label": "Savings", "value": "$2,324, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,324", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 36779.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDH67T3109313_finance_60", "type": "finance_60", "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": 36779.0, "price_incl_doc": 36779.0, "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": 746.25, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 44774.94, "finance_charge": 5697.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260412, VIN 4S4SLDH67T3109313. $746 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,775. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH67T3109313_finance_72", "type": "finance_72", "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": 36779.0, "price_incl_doc": 36779.0, "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": 647.45, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 46616.09, "finance_charge": 7538.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260412, VIN 4S4SLDH67T3109313. $647 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,616. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH67T3109313_finance_84", "type": "finance_84", "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": 36779.0, "price_incl_doc": 36779.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 580.09, "amount_financed": 39077.69, "sales_tax": 2298.69, "total_of_payments": 48727.77, "finance_charge": 9650.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260412, VIN 4S4SLDH67T3109313. $580 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,779, before any dealer documentation fee. Amount financed $39,078, including $2,299 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,728. 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"}, {"offer_id": "of_4S4SLDH67T3109313_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 486, "unit": "per_month", "display": "$486/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39103.0, "selling_price": 36779.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 485.72, "net_cap_cost": 37374.0, "residual_value": 24243.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 485.72, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 645.72}, "total_of_payments": 17496, "total_of_payments_unrounded": 17485.92}, "disclosure": "Estimated lease payment for stock #MS260412, VIN 4S4SLDH67T3109313. $486 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $646, made up of $486 first payment, $60 title, $100 registration. MSRP $39,103. Lease selling price $36,779. Net capitalized cost $37,374. Residual value $24,244, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,496. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH67T3109313_lease", "type": "lease", "label": "Lease", "headline": {"value": 392, "unit": "per_month", "display": "$392/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39103.0, "selling_price": 36779.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 392.43, "net_cap_cost": 34375.0, "residual_value": 24243.86, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 392.43, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3551.43}, "total_of_payments": 14112, "total_of_payments_unrounded": 14127.48}, "disclosure": "Estimated lease payment for stock #MS260412, VIN 4S4SLDH67T3109313. $392 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,551, made up of $392 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,103. Lease selling price $36,779. Net capitalized cost $34,375. Residual value $24,244, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,112. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 340}}, {"vin": "JF1ZDBS14T9701420", "title": "2026 Subaru BRZ tS", "year": 2026, "make": "Subaru", "model": "BRZ", "trim": "tS", "decoded_trim": "tS", "condition": "new", "price": 40401.0, "msrp": 40401.0, "sale_price": 40401.0, "currency": "USD", "mileage": 232, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "Rear Wheel Drive", "body_style": "2dr Car", "vehicle_type": "car", "fuel_type": "Gas", "doors": 2, "seating_capacity": null, "engine": "Premium Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "6-Speed Manual w/OD", "mpg_city": 20, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260493", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", 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"https://www.castlesubarumchenry.com/viewdetails/new/jf1zdbs14t9701420/2026-subaru-brz-2dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1zdbs14t9701420/2026-subaru-brz-2dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF1ZDBS14T9701420.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF1ZDBS14T9701420.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF1ZDBS14T9701420.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1zdbs14t9701420/2026-subaru-brz-2dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260493, VIN JF1ZDBS14T9701420. Advertised price: $40,401. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$40,401"}], "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": "2026-07-26T16:50:09Z", "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": 40401.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1ZDBS14T9701420_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 820, "unit": "per_month", "display": "$820/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40401.0, "price_incl_doc": 40401.0, "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": 819.74, "amount_financed": 42926.06, "sales_tax": 2525.06, "total_of_payments": 49184.37, "finance_charge": 6258.31, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260493, VIN JF1ZDBS14T9701420. $820 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,401, before any dealer documentation fee. Amount financed $42,926, including $2,525 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $49,184. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1ZDBS14T9701420_finance_72", "type": "finance_72", "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": 40401.0, "price_incl_doc": 40401.0, "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": 711.21, "amount_financed": 42926.06, "sales_tax": 2525.06, "total_of_payments": 51206.84, "finance_charge": 8280.78, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260493, VIN JF1ZDBS14T9701420. $711 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,401, before any dealer documentation fee. Amount financed $42,926, including $2,525 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $51,207. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1ZDBS14T9701420_finance_84", "type": "finance_84", "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": 40401.0, "price_incl_doc": 40401.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 637.22, "amount_financed": 42926.06, "sales_tax": 2525.06, "total_of_payments": 53526.48, "finance_charge": 10600.42, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260493, VIN JF1ZDBS14T9701420. $637 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,401, before any dealer documentation fee. Amount financed $42,926, including $2,525 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,526. 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_JF1ZDBS14T9701420_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40401.0, "selling_price": 40401.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 575.93, "net_cap_cost": 40996.0, "residual_value": 25048.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 575.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 735.93}, "total_of_payments": 20736, "total_of_payments_unrounded": 20733.48}, "disclosure": "Estimated lease payment for stock #MS260493, VIN JF1ZDBS14T9701420. $576 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $736, made up of $576 first payment, $60 title, $100 registration. MSRP $40,401. Lease selling price $40,401. Net capitalized cost $40,996. Residual value $25,049, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,736. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1ZDBS14T9701420_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40401.0, "selling_price": 40401.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 482.64, "net_cap_cost": 37997.0, "residual_value": 25048.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 482.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3641.64}, "total_of_payments": 17388, "total_of_payments_unrounded": 17375.04}, "disclosure": "Estimated lease payment for stock #MS260493, VIN JF1ZDBS14T9701420. $483 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,642, made up of $483 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,401. Lease selling price $40,401. Net capitalized cost $37,997. Residual value $25,049, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,388. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 339}}, {"vin": "4S4SLSR70T3144285", "title": "2026 Subaru Forester Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 39045.0, "msrp": 41697.0, "sale_price": 39045.0, "currency": "USD", "mileage": 5, "exterior_color": "Crystal Black Silica", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "Gas/Electric H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "1-Speed CVT w/OD", "mpg_city": 35, "mpg_hwy": 34, "range_miles": null, "battery_kwh": null, "stock_number": "MS260601", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLSR70T3144285_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41697.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLSR70T3144285.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slsr70t3144285/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slsr70t3144285/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLSR70T3144285.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLSR70T3144285.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLSR70T3144285.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slsr70t3144285/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,652. This offer applies to Stock #MS260601, VIN 4S4SLSR70T3144285. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $41,697. Advertised price: $39,045. Savings: $2,652, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$41,697"}, {"label": "Advertised price", "value": "$39,045"}, {"label": "Savings", "value": "$2,652, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,652", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:09Z", "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": 39045.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLSR70T3144285_finance_60", "type": "finance_60", "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": 39045.0, "price_incl_doc": 39045.0, "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": 792.23, "amount_financed": 41485.31, "sales_tax": 2440.31, "total_of_payments": 47533.57, "finance_charge": 6048.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260601, VIN 4S4SLSR70T3144285. $792 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,045, before any dealer documentation fee. Amount financed $41,485, including $2,440 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,534. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLSR70T3144285_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": 39045.0, "price_incl_doc": 39045.0, "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": 687.34, "amount_financed": 41485.31, "sales_tax": 2440.31, "total_of_payments": 49488.16, "finance_charge": 8002.85, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260601, VIN 4S4SLSR70T3144285. $687 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,045, before any dealer documentation fee. Amount financed $41,485, including $2,440 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,488. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLSR70T3144285_finance_84", "type": "finance_84", "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": 39045.0, "price_incl_doc": 39045.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 615.83, "amount_financed": 41485.31, "sales_tax": 2440.31, "total_of_payments": 51729.94, "finance_charge": 10244.63, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260601, VIN 4S4SLSR70T3144285. $616 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,045, before any dealer documentation fee. Amount financed $41,485, including $2,440 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,730. 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_4S4SLSR70T3144285_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41697.0, "selling_price": 39045.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 511.31, "net_cap_cost": 39640.0, "residual_value": 25852.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 511.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 671.31}, "total_of_payments": 18396, "total_of_payments_unrounded": 18407.16}, "disclosure": "Estimated lease payment for stock #MS260601, VIN 4S4SLSR70T3144285. $511 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $671, made up of $511 first payment, $60 title, $100 registration. MSRP $41,697. Lease selling price $39,045. Net capitalized cost $39,640. Residual value $25,852, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,396. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLSR70T3144285_lease", "type": "lease", "label": "Lease", "headline": {"value": 418, "unit": "per_month", "display": "$418/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41697.0, "selling_price": 39045.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 418.02, "net_cap_cost": 36641.0, "residual_value": 25852.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 418.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3577.02}, "total_of_payments": 15048, "total_of_payments_unrounded": 15048.72}, "disclosure": "Estimated lease payment for stock #MS260601, VIN 4S4SLSR70T3144285. $418 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,577, made up of $418 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,697. Lease selling price $39,045. Net capitalized cost $36,641. Residual value $25,852, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,048. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 311}}, {"vin": "JF2BURMD2TY551486", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 48215.0, "msrp": 51711.0, "sale_price": 48215.0, "currency": "USD", "mileage": 7, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260453", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd2ty551486/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd2ty551486/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURMD2TY551486.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD2TY551486.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD2TY551486.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd2ty551486/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,496. This offer applies to Stock #MS260453, VIN JF2BURMD2TY551486. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $51,711. Advertised price: $48,215. Savings: $3,496, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$51,711"}, {"label": "Advertised price", "value": "$48,215"}, {"label": "Savings", "value": "$3,496, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,496", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 48215.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURMD2TY551486_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 978, "unit": "per_month", "display": "$978/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48215.0, "price_incl_doc": 48215.0, "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": 978.29, "amount_financed": 51228.44, "sales_tax": 3013.44, "total_of_payments": 58697.18, "finance_charge": 7468.74, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260453, VIN JF2BURMD2TY551486. $978 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,215, before any dealer documentation fee. Amount financed $51,228, including $3,013 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,697. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD2TY551486_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 849, "unit": "per_month", "display": "$849/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48215.0, "price_incl_doc": 48215.0, "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": 848.76, "amount_financed": 51228.44, "sales_tax": 3013.44, "total_of_payments": 61110.82, "finance_charge": 9882.38, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260453, VIN JF2BURMD2TY551486. $849 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,215, before any dealer documentation fee. Amount financed $51,228, including $3,013 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,111. 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_JF2BURMD2TY551486_finance_84", "type": "finance_84", "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": 48215.0, "price_incl_doc": 48215.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 760.47, "amount_financed": 51228.44, "sales_tax": 3013.44, "total_of_payments": 63879.1, "finance_charge": 12650.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260453, VIN JF2BURMD2TY551486. $760 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,215, before any dealer documentation fee. Amount financed $51,228, including $3,013 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,879. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD2TY551486_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51711.0, "selling_price": 48215.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 623.22, "net_cap_cost": 48810.0, "residual_value": 32060.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 623.22, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 783.22}, "total_of_payments": 22428, "total_of_payments_unrounded": 22435.92}, "disclosure": "Estimated lease payment for stock #MS260453, VIN JF2BURMD2TY551486. $623 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $783, made up of $623 first payment, $60 title, $100 registration. MSRP $51,711. Lease selling price $48,215. Net capitalized cost $48,810. Residual value $32,061, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,428. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD2TY551486_lease", "type": "lease", "label": "Lease", "headline": {"value": 530, "unit": "per_month", "display": "$530/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51711.0, "selling_price": 48215.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 529.93, "net_cap_cost": 45811.0, "residual_value": 32060.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 529.93, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3688.93}, "total_of_payments": 19080, "total_of_payments_unrounded": 19077.48}, "disclosure": "Estimated lease payment for stock #MS260453, VIN JF2BURMD2TY551486. $530 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,689, made up of $530 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,711. Lease selling price $48,215. Net capitalized cost $45,811. Residual value $32,061, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,080. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 342}}, {"vin": "JF1GUHJC4T8257961", "title": "2026 Subaru Impreza RS", "year": 2026, "make": "Subaru", "model": "Impreza", "trim": "RS", "decoded_trim": "RS", "condition": "new", "price": 32102.0, "msrp": 33862.0, "sale_price": 32102.0, "currency": "USD", "mileage": 6, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black RS Cloth", "drivetrain": "All Wheel Drive", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260409", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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33862.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF1GUHJC4T8257961.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1guhjc4t8257961/2026-subaru-impreza-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1guhjc4t8257961/2026-subaru-impreza-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF1GUHJC4T8257961.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF1GUHJC4T8257961.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF1GUHJC4T8257961.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1guhjc4t8257961/2026-subaru-impreza-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,760. This offer applies to Stock #MS260409, VIN JF1GUHJC4T8257961. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $33,862. Advertised price: $32,102. Savings: $1,760, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$33,862"}, {"label": "Advertised price", "value": "$32,102"}, {"label": "Savings", "value": "$1,760, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,760", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 32102.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1GUHJC4T8257961_finance_60", "type": "finance_60", "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": 32102.0, "price_incl_doc": 32102.0, "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": 651.35, "amount_financed": 34108.38, "sales_tax": 2006.38, "total_of_payments": 39081.14, "finance_charge": 4972.76, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260409, VIN JF1GUHJC4T8257961. $651 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,102, before any dealer documentation fee. Amount financed $34,108, including $2,006 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,081. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUHJC4T8257961_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": 32102.0, "price_incl_doc": 32102.0, "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": 565.11, "amount_financed": 34108.38, "sales_tax": 2006.38, "total_of_payments": 40688.16, "finance_charge": 6579.78, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260409, VIN JF1GUHJC4T8257961. $565 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,102, before any dealer documentation fee. Amount financed $34,108, including $2,006 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,688. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUHJC4T8257961_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 506, "unit": "per_month", "display": "$506/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32102.0, "price_incl_doc": 32102.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 506.33, "amount_financed": 34108.38, "sales_tax": 2006.38, "total_of_payments": 42531.31, "finance_charge": 8422.93, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260409, VIN JF1GUHJC4T8257961. $506 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,102, before any dealer documentation fee. Amount financed $34,108, including $2,006 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,531. 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_JF1GUHJC4T8257961_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 431, "unit": "per_month", "display": "$431/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33862.0, "selling_price": 32102.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 430.96, "net_cap_cost": 32697.0, "residual_value": 20994.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 430.96, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 590.96}, "total_of_payments": 15516, "total_of_payments_unrounded": 15514.56}, "disclosure": "Estimated lease payment for stock #MS260409, VIN JF1GUHJC4T8257961. $431 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $591, made up of $431 first payment, $60 title, $100 registration. MSRP $33,862. Lease selling price $32,102. Net capitalized cost $32,697. Residual value $20,994, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,516. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUHJC4T8257961_lease", "type": "lease", "label": "Lease", "headline": {"value": 338, "unit": "per_month", "display": "$338/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33862.0, "selling_price": 32102.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 337.67, "net_cap_cost": 29698.0, "residual_value": 20994.44, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.67, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3496.67}, "total_of_payments": 12168, "total_of_payments_unrounded": 12156.12}, "disclosure": "Estimated lease payment for stock #MS260409, VIN JF1GUHJC4T8257961. $338 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,497, made up of $338 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,862. Lease selling price $32,102. Net capitalized cost $29,698. Residual value $20,994, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,168. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 341}}, {"vin": "JF2BURJD6TY578145", "title": "2026 Subaru Outback Touring XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring XT", "decoded_trim": "Touring", "condition": "new", "price": 50698.0, "msrp": 50698.0, "sale_price": 50698.0, "currency": "USD", "mileage": null, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.4L 4-Cylinder", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "TY578145", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY578145_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "trim": "Touring", "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": 50698.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURJD6TY578145.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd6ty578145/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd6ty578145/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURJD6TY578145.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD6TY578145.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD6TY578145.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd6ty578145/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #TY578145, VIN JF2BURJD6TY578145. Advertised price: $50,698. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$50,698"}], "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": "2026-07-26T16:50:10Z", "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": 50698.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURJD6TY578145_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1029, "unit": "per_month", "display": "$1,029/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50698.0, "price_incl_doc": 50698.0, "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": 1028.67, "amount_financed": 53866.63, "sales_tax": 3168.63, "total_of_payments": 61720.0, "finance_charge": 7853.37, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY578145, VIN JF2BURJD6TY578145. $1,029 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $50,698, before any dealer documentation fee. Amount financed $53,867, including $3,169 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $61,720. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD6TY578145_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 892, "unit": "per_month", "display": "$892/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50698.0, "price_incl_doc": 50698.0, "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": 892.47, "amount_financed": 53866.63, "sales_tax": 3168.63, "total_of_payments": 64257.94, "finance_charge": 10391.31, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY578145, VIN JF2BURJD6TY578145. $892 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $50,698, before any dealer documentation fee. Amount financed $53,867, including $3,169 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $64,258. 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_JF2BURJD6TY578145_finance_84", "type": "finance_84", "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": 50698.0, "price_incl_doc": 50698.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 799.63, "amount_financed": 53866.63, "sales_tax": 3168.63, "total_of_payments": 67168.78, "finance_charge": 13302.15, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY578145, VIN JF2BURJD6TY578145. $800 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $50,698, before any dealer documentation fee. Amount financed $53,867, including $3,169 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,169. 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_JF2BURJD6TY578145_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 718, "unit": "per_month", "display": "$718/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50698.0, "selling_price": 50698.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 718.0, "net_cap_cost": 51293.0, "residual_value": 31432.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 718, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 878}, "total_of_payments": 25848, "total_of_payments_unrounded": 25848.0}, "disclosure": "Estimated lease payment for stock #TY578145, VIN JF2BURJD6TY578145. $718 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $878, made up of $718 first payment, $60 title, $100 registration. MSRP $50,698. Lease selling price $50,698. Net capitalized cost $51,293. Residual value $31,433, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,848. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD6TY578145_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50698.0, "selling_price": 50698.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 624.71, "net_cap_cost": 48294.0, "residual_value": 31432.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 624.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3783.71}, "total_of_payments": 22500, "total_of_payments_unrounded": 22489.56}, "disclosure": "Estimated lease payment for stock #TY578145, VIN JF2BURJD6TY578145. $625 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,784, made up of $625 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,698. Lease selling price $50,698. Net capitalized cost $48,294. Residual value $31,433, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,500. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 347}}, {"vin": "JF2BURKDXTY561654", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 44450.0, "msrp": 47198.0, "sale_price": 44450.0, "currency": "USD", "mileage": 5, "exterior_color": "Geyser Blue", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260577", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURKDXTY561654_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "trim": "Wilderness", "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": 47198.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURKDXTY561654.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burkdxty561654/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burkdxty561654/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURKDXTY561654.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURKDXTY561654.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURKDXTY561654.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burkdxty561654/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,748. This offer applies to Stock #MS260577, VIN JF2BURKDXTY561654. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $47,198. Advertised price: $44,450. Savings: $2,748, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$47,198"}, {"label": "Advertised price", "value": "$44,450"}, {"label": "Savings", "value": "$2,748, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,748", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 44450.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURKDXTY561654_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": 44450.0, "price_incl_doc": 44450.0, "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": 901.89, "amount_financed": 47228.13, "sales_tax": 2778.13, "total_of_payments": 54113.65, "finance_charge": 6885.52, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260577, VIN JF2BURKDXTY561654. $902 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,450, before any dealer documentation fee. Amount financed $47,228, including $2,778 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,114. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURKDXTY561654_finance_72", "type": "finance_72", "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": 44450.0, "price_incl_doc": 44450.0, "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": 782.48, "amount_financed": 47228.13, "sales_tax": 2778.13, "total_of_payments": 56338.82, "finance_charge": 9110.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260577, VIN JF2BURKDXTY561654. $782 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,450, before any dealer documentation fee. Amount financed $47,228, including $2,778 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,339. 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_JF2BURKDXTY561654_finance_84", "type": "finance_84", "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": 44450.0, "price_incl_doc": 44450.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.08, "amount_financed": 47228.13, "sales_tax": 2778.13, "total_of_payments": 58890.93, "finance_charge": 11662.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260577, VIN JF2BURKDXTY561654. $701 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,450, before any dealer documentation fee. Amount financed $47,228, including $2,778 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,891. 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_JF2BURKDXTY561654_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47198.0, "selling_price": 44450.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 584.22, "net_cap_cost": 45045.0, "residual_value": 29262.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 584.22, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 744.22}, "total_of_payments": 21024, "total_of_payments_unrounded": 21031.92}, "disclosure": "Estimated lease payment for stock #MS260577, VIN JF2BURKDXTY561654. $584 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $744, made up of $584 first payment, $60 title, $100 registration. MSRP $47,198. Lease selling price $44,450. Net capitalized cost $45,045. Residual value $29,263, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,024. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURKDXTY561654_lease", "type": "lease", "label": "Lease", "headline": {"value": 491, "unit": "per_month", "display": "$491/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47198.0, "selling_price": 44450.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 490.93, "net_cap_cost": 42046.0, "residual_value": 29262.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 490.93, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3649.93}, "total_of_payments": 17676, "total_of_payments_unrounded": 17673.48}, "disclosure": "Estimated lease payment for stock #MS260577, VIN JF2BURKDXTY561654. $491 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,650, made up of $491 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $47,198. Lease selling price $44,450. Net capitalized cost $42,046. Residual value $29,263, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,676. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 367}}, {"vin": "JF2BURMD5TY526288", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 48208.0, "msrp": 51754.0, "sale_price": 48208.0, "currency": "USD", "mileage": 3, "exterior_color": "Crystal Black Silica", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260365", "stock_status": "Available", "availability": "In Stock", 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"short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd5ty526288/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURMD5TY526288.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD5TY526288.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD5TY526288.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd5ty526288/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,546. This offer applies to Stock #MS260365, VIN JF2BURMD5TY526288. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $51,754. Advertised price: $48,208. Savings: $3,546, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$51,754"}, {"label": "Advertised price", "value": "$48,208"}, {"label": "Savings", "value": "$3,546, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,546", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 48208.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURMD5TY526288_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 978, "unit": "per_month", "display": "$978/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48208.0, "price_incl_doc": 48208.0, "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": 978.14, "amount_financed": 51221.0, "sales_tax": 3013.0, "total_of_payments": 58688.65, "finance_charge": 7467.65, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260365, VIN JF2BURMD5TY526288. $978 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,208, before any dealer documentation fee. Amount financed $51,221, including $3,013 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,689. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD5TY526288_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 849, "unit": "per_month", "display": "$849/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48208.0, "price_incl_doc": 48208.0, "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": 848.64, "amount_financed": 51221.0, "sales_tax": 3013.0, "total_of_payments": 61101.95, "finance_charge": 9880.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260365, VIN JF2BURMD5TY526288. $849 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,208, before any dealer documentation fee. Amount financed $51,221, including $3,013 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $61,102. 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_JF2BURMD5TY526288_finance_84", "type": "finance_84", "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": 48208.0, "price_incl_doc": 48208.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 760.36, "amount_financed": 51221.0, "sales_tax": 3013.0, "total_of_payments": 63869.82, "finance_charge": 12648.82, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260365, VIN JF2BURMD5TY526288. $760 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,208, before any dealer documentation fee. Amount financed $51,221, including $3,013 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,870. 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"}, {"offer_id": "of_JF2BURMD5TY526288_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51754.0, "selling_price": 48208.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 622.26, "net_cap_cost": 48803.0, "residual_value": 32087.48, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 622.26, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 782.26}, "total_of_payments": 22392, "total_of_payments_unrounded": 22401.36}, "disclosure": "Estimated lease payment for stock #MS260365, VIN JF2BURMD5TY526288. $622 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $782, made up of $622 first payment, $60 title, $100 registration. MSRP $51,754. Lease selling price $48,208. Net capitalized cost $48,803. Residual value $32,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,392. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD5TY526288_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51754.0, "selling_price": 48208.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 528.97, "net_cap_cost": 45804.0, "residual_value": 32087.48, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.97, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3687.97}, "total_of_payments": 19044, "total_of_payments_unrounded": 19042.92}, "disclosure": "Estimated lease payment for stock #MS260365, VIN JF2BURMD5TY526288. $529 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,688, made up of $529 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,754. Lease selling price $48,208. Net capitalized cost $45,804. Residual value $32,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,044. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 368}}, {"vin": "4S4WMAKD3T3430737", "title": "2026 Subaru Ascent Touring 7-Passenger", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Touring 7-Passenger", "decoded_trim": "Touring", "condition": "new", "price": 50244.0, "msrp": 53804.0, "sale_price": 50244.0, "currency": "USD", "mileage": 7, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "MS260535", "stock_status": "Available", "availability": "In 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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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmakd3t3430737/2026-subaru-ascent-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4WMAKD3T3430737.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4WMAKD3T3430737.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4WMAKD3T3430737.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmakd3t3430737/2026-subaru-ascent-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,560. This offer applies to Stock #MS260535, VIN 4S4WMAKD3T3430737. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $53,804. Advertised price: $50,244. Savings: $3,560, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$53,804"}, {"label": "Advertised price", "value": "$50,244"}, {"label": "Savings", "value": "$3,560, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,560", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 50244.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMAKD3T3430737_finance_60", "type": "finance_60", "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": 50244.0, "price_incl_doc": 50244.0, "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": 1019.45, "amount_financed": 53384.25, "sales_tax": 3140.25, "total_of_payments": 61167.29, "finance_charge": 7783.04, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260535, VIN 4S4WMAKD3T3430737. $1,019 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $50,244, before any dealer documentation fee. Amount financed $53,384, including $3,140 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $61,167. 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"}, {"offer_id": "of_4S4WMAKD3T3430737_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 884, "unit": "per_month", "display": "$884/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50244.0, "price_incl_doc": 50244.0, "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": 884.48, "amount_financed": 53384.25, "sales_tax": 3140.25, "total_of_payments": 63682.5, "finance_charge": 10298.25, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260535, VIN 4S4WMAKD3T3430737. $884 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $50,244, before any dealer documentation fee. Amount financed $53,384, including $3,140 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $63,682. 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_4S4WMAKD3T3430737_finance_84", "type": "finance_84", "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": 50244.0, "price_incl_doc": 50244.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 792.47, "amount_financed": 53384.25, "sales_tax": 3140.25, "total_of_payments": 66567.28, "finance_charge": 13183.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260535, VIN 4S4WMAKD3T3430737. $792 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $50,244, before any dealer documentation fee. Amount financed $53,384, including $3,140 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $66,567. 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_4S4WMAKD3T3430737_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53804.0, "selling_price": 50244.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 650.11, "net_cap_cost": 50839.0, "residual_value": 33358.48, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 650.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 810.11}, "total_of_payments": 23400, "total_of_payments_unrounded": 23403.96}, "disclosure": "Estimated lease payment for stock #MS260535, VIN 4S4WMAKD3T3430737. $650 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $810, made up of $650 first payment, $60 title, $100 registration. MSRP $53,804. Lease selling price $50,244. Net capitalized cost $50,839. Residual value $33,358, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,400. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAKD3T3430737_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53804.0, "selling_price": 50244.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 556.82, "net_cap_cost": 47840.0, "residual_value": 33358.48, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 556.82, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3715.82}, "total_of_payments": 20052, "total_of_payments_unrounded": 20045.52}, "disclosure": "Estimated lease payment for stock #MS260535, VIN 4S4WMAKD3T3430737. $557 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,716, made up of $557 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $53,804. Lease selling price $50,244. Net capitalized cost $47,840. Residual value $33,358, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,052. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 369}}, {"vin": "4S4GUHT67T3803873", "title": "2026 Subaru Crosstrek Wilderness", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 36433.0, "msrp": 36433.0, "sale_price": 36433.0, "currency": "USD", "mileage": null, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Wilderness StarTex", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3803873", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHT67T3803873_22.jpg"], "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": 36433.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHT67T3803873.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guht67t3803873/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guht67t3803873/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHT67T3803873.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHT67T3803873.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHT67T3803873.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guht67t3803873/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3803873, VIN 4S4GUHT67T3803873. Advertised price: $36,433. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$36,433"}], "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": "2026-07-26T16:50:10Z", "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": 36433.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHT67T3803873_finance_60", "type": "finance_60", "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": 36433.0, "price_incl_doc": 36433.0, "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": 739.23, "amount_financed": 38710.06, "sales_tax": 2277.06, "total_of_payments": 44353.71, "finance_charge": 5643.65, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3803873, VIN 4S4GUHT67T3803873. $739 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,433, before any dealer documentation fee. Amount financed $38,710, including $2,277 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,354. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHT67T3803873_finance_72", "type": "finance_72", "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": 36433.0, "price_incl_doc": 36433.0, "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": 641.35, "amount_financed": 38710.06, "sales_tax": 2277.06, "total_of_payments": 46177.54, "finance_charge": 7467.48, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3803873, VIN 4S4GUHT67T3803873. $641 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,433, before any dealer documentation fee. Amount financed $38,710, including $2,277 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,178. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHT67T3803873_finance_84", "type": "finance_84", "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": 36433.0, "price_incl_doc": 36433.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 574.64, "amount_financed": 38710.06, "sales_tax": 2277.06, "total_of_payments": 48269.36, "finance_charge": 9559.3, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3803873, VIN 4S4GUHT67T3803873. $575 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,433, before any dealer documentation fee. Amount financed $38,710, including $2,277 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,269. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHT67T3803873_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 521, "unit": "per_month", "display": "$521/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36433.0, "selling_price": 36433.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 521.18, "net_cap_cost": 37028.0, "residual_value": 22588.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 521.18, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 681.18}, "total_of_payments": 18756, "total_of_payments_unrounded": 18762.48}, "disclosure": "Estimated lease payment for stock #T3803873, VIN 4S4GUHT67T3803873. $521 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $681, made up of $521 first payment, $60 title, $100 registration. MSRP $36,433. Lease selling price $36,433. Net capitalized cost $37,028. Residual value $22,588, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,756. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHT67T3803873_lease", "type": "lease", "label": "Lease", "headline": {"value": 428, "unit": "per_month", "display": "$428/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36433.0, "selling_price": 36433.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 427.89, "net_cap_cost": 34029.0, "residual_value": 22588.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 427.89, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3586.89}, "total_of_payments": 15408, "total_of_payments_unrounded": 15404.04}, "disclosure": "Estimated lease payment for stock #T3803873, VIN 4S4GUHT67T3803873. $428 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,587, made up of $428 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,433. Lease selling price $36,433. Net capitalized cost $34,029. Residual value $22,588, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,408. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 370}}, {"vin": "JF2BUPBD2TY564441", "title": "2026 Subaru Outback Premium", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 37149.0, "msrp": 39536.0, "sale_price": 37149.0, "currency": "USD", "mileage": 5, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260584", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD2TY564441_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39536.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPBD2TY564441.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd2ty564441/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd2ty564441/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPBD2TY564441.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD2TY564441.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD2TY564441.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd2ty564441/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,387. This offer applies to Stock #MS260584, VIN JF2BUPBD2TY564441. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,536. Advertised price: $37,149. Savings: $2,387, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,536"}, {"label": "Advertised price", "value": "$37,149"}, {"label": "Savings", "value": "$2,387, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,387", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 37149.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPBD2TY564441_finance_60", "type": "finance_60", "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": 37149.0, "price_incl_doc": 37149.0, "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": 753.76, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 45225.37, "finance_charge": 5754.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260584, VIN JF2BUPBD2TY564441. $754 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,225. 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_JF2BUPBD2TY564441_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": 37149.0, "price_incl_doc": 37149.0, "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": 653.96, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 47085.05, "finance_charge": 7614.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260584, VIN JF2BUPBD2TY564441. $654 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,085. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD2TY564441_finance_84", "type": "finance_84", "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": 37149.0, "price_incl_doc": 37149.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.93, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 49217.97, "finance_charge": 9747.16, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260584, VIN JF2BUPBD2TY564441. $586 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,218. 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_JF2BUPBD2TY564441_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 490, "unit": "per_month", "display": "$490/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39536.0, "selling_price": 37149.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 489.74, "net_cap_cost": 37744.0, "residual_value": 24512.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 489.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 649.74}, "total_of_payments": 17640, "total_of_payments_unrounded": 17630.64}, "disclosure": "Estimated lease payment for stock #MS260584, VIN JF2BUPBD2TY564441. $490 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $650, made up of $490 first payment, $60 title, $100 registration. MSRP $39,536. Lease selling price $37,149. Net capitalized cost $37,744. Residual value $24,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,640. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD2TY564441_lease", "type": "lease", "label": "Lease", "headline": {"value": 396, "unit": "per_month", "display": "$396/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39536.0, "selling_price": 37149.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 396.45, "net_cap_cost": 34745.0, "residual_value": 24512.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 396.45, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3555.45}, "total_of_payments": 14256, "total_of_payments_unrounded": 14272.2}, "disclosure": "Estimated lease payment for stock #MS260584, VIN JF2BUPBD2TY564441. $396 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,555, made up of $396 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,536. Lease selling price $37,149. Net capitalized cost $34,745. Residual value $24,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,256. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 394}}, {"vin": "4S4GUHD61T3803592", "title": "2026 Subaru Crosstrek Premium", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 30714.0, "msrp": 32261.0, "sale_price": 30714.0, "currency": "USD", "mileage": 5, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260595", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHD61T3803592_22.jpg"], "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": 32261.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHD61T3803592.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhd61t3803592/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhd61t3803592/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHD61T3803592.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHD61T3803592.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHD61T3803592.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhd61t3803592/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,547. This offer applies to Stock #MS260595, VIN 4S4GUHD61T3803592. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $32,261. Advertised price: $30,714. Savings: $1,547, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$32,261"}, {"label": "Advertised price", "value": "$30,714"}, {"label": "Savings", "value": "$1,547, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,547", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 30714.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHD61T3803592_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": 30714.0, "price_incl_doc": 30714.0, "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": 623.19, "amount_financed": 32633.63, "sales_tax": 1919.63, "total_of_payments": 37391.38, "finance_charge": 4757.75, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260595, VIN 4S4GUHD61T3803592. $623 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,714, before any dealer documentation fee. Amount financed $32,634, including $1,920 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,391. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHD61T3803592_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 541, "unit": "per_month", "display": "$541/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30714.0, "price_incl_doc": 30714.0, "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": 540.68, "amount_financed": 32633.63, "sales_tax": 1919.63, "total_of_payments": 38928.92, "finance_charge": 6295.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260595, VIN 4S4GUHD61T3803592. $541 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,714, before any dealer documentation fee. Amount financed $32,634, including $1,920 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,929. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHD61T3803592_finance_84", "type": "finance_84", "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": 30714.0, "price_incl_doc": 30714.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.43, "amount_financed": 32633.63, "sales_tax": 1919.63, "total_of_payments": 40692.38, "finance_charge": 8058.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260595, VIN 4S4GUHD61T3803592. $484 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,714, before any dealer documentation fee. Amount financed $32,634, including $1,920 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,692. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHD61T3803592_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 416, "unit": "per_month", "display": "$416/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32261.0, "selling_price": 30714.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 415.5, "net_cap_cost": 31309.0, "residual_value": 20001.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 415.5, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 575.5}, "total_of_payments": 14976, "total_of_payments_unrounded": 14958.0}, "disclosure": "Estimated lease payment for stock #MS260595, VIN 4S4GUHD61T3803592. $416 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $576, made up of $416 first payment, $60 title, $100 registration. MSRP $32,261. Lease selling price $30,714. Net capitalized cost $31,309. Residual value $20,002, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,976. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHD61T3803592_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32261.0, "selling_price": 30714.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 322.2, "net_cap_cost": 28310.0, "residual_value": 20001.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 322.2, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3481.2}, "total_of_payments": 11592, "total_of_payments_unrounded": 11599.2}, "disclosure": "Estimated lease payment for stock #MS260595, VIN 4S4GUHD61T3803592. $322 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,481, made up of $322 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $32,261. Lease selling price $30,714. Net capitalized cost $28,310. Residual value $20,002, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,592. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 363}}, {"vin": "4S4SLDH66T3078779", "title": "2026 Subaru Forester Sport Onyx Edition", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Sport Onyx Edition", "decoded_trim": "Sport", "condition": "new", "price": 36700.0, "msrp": 39094.0, "sale_price": 36700.0, "currency": "USD", "mileage": 9, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "MS260286", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh66t3078779/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDH66T3078779.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDH66T3078779.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDH66T3078779.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh66t3078779/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,394. This offer applies to Stock #MS260286, VIN 4S4SLDH66T3078779. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,094. Advertised price: $36,700. Savings: $2,394, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,094"}, {"label": "Advertised price", "value": "$36,700"}, {"label": "Savings", "value": "$2,394, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,394", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 36700.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDH66T3078779_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 745, "unit": "per_month", "display": "$745/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36700.0, "price_incl_doc": 36700.0, "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": 744.65, "amount_financed": 38993.75, "sales_tax": 2293.75, "total_of_payments": 44678.76, "finance_charge": 5685.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260286, VIN 4S4SLDH66T3078779. $745 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,700, before any dealer documentation fee. Amount financed $38,994, including $2,294 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,679. 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_4S4SLDH66T3078779_finance_72", "type": "finance_72", "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": 36700.0, "price_incl_doc": 36700.0, "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": 646.05, "amount_financed": 38993.75, "sales_tax": 2293.75, "total_of_payments": 46515.96, "finance_charge": 7522.21, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260286, VIN 4S4SLDH66T3078779. $646 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,700, before any dealer documentation fee. Amount financed $38,994, including $2,294 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,516. 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_4S4SLDH66T3078779_finance_84", "type": "finance_84", "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": 36700.0, "price_incl_doc": 36700.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 578.85, "amount_financed": 38993.75, "sales_tax": 2293.75, "total_of_payments": 48623.1, "finance_charge": 9629.35, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260286, VIN 4S4SLDH66T3078779. $579 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,700, before any dealer documentation fee. Amount financed $38,994, including $2,294 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,623. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH66T3078779_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39094.0, "selling_price": 36700.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 483.42, "net_cap_cost": 37295.0, "residual_value": 24238.28, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 483.42, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 643.42}, "total_of_payments": 17388, "total_of_payments_unrounded": 17403.12}, "disclosure": "Estimated lease payment for stock #MS260286, VIN 4S4SLDH66T3078779. $483 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $643, made up of $483 first payment, $60 title, $100 registration. MSRP $39,094. Lease selling price $36,700. Net capitalized cost $37,295. Residual value $24,238, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,388. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH66T3078779_lease", "type": "lease", "label": "Lease", "headline": {"value": 390, "unit": "per_month", "display": "$390/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39094.0, "selling_price": 36700.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 390.13, "net_cap_cost": 34296.0, "residual_value": 24238.28, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 390.13, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3549.13}, "total_of_payments": 14040, "total_of_payments_unrounded": 14044.68}, "disclosure": "Estimated lease payment for stock #MS260286, VIN 4S4SLDH66T3078779. $390 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,549, made up of $390 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,094. Lease selling price $36,700. Net capitalized cost $34,296. Residual value $24,238, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,040. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 362}}, {"vin": "JF2BUPDD5TY547243", "title": "2026 Subaru Outback Limited", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Limited", "decoded_trim": "Limited", "condition": "new", "price": 41427.0, "msrp": 43995.0, "sale_price": 41427.0, "currency": "USD", "mileage": 5, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260436", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd5ty547243/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd5ty547243/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPDD5TY547243.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD5TY547243.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD5TY547243.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd5ty547243/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,568. This offer applies to Stock #MS260436, VIN JF2BUPDD5TY547243. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $43,995. Advertised price: $41,427. Savings: $2,568, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$43,995"}, {"label": "Advertised price", "value": "$41,427"}, {"label": "Savings", "value": "$2,568, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,568", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 41427.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPDD5TY547243_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 841, "unit": "per_month", "display": "$841/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41427.0, "price_incl_doc": 41427.0, "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": 840.56, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 50433.43, "finance_charge": 6417.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260436, VIN JF2BUPDD5TY547243. $841 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,433. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD5TY547243_finance_72", "type": "finance_72", "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": 41427.0, "price_incl_doc": 41427.0, "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": 729.27, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 52507.27, "finance_charge": 8491.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260436, VIN JF2BUPDD5TY547243. $729 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,507. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD5TY547243_finance_84", "type": "finance_84", "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": 41427.0, "price_incl_doc": 41427.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.4, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 54885.81, "finance_charge": 10869.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260436, VIN JF2BUPDD5TY547243. $653 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,886. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD5TY547243_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43995.0, "selling_price": 41427.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 545.63, "net_cap_cost": 42022.0, "residual_value": 27276.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 545.63, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 705.63}, "total_of_payments": 19656, "total_of_payments_unrounded": 19642.68}, "disclosure": "Estimated lease payment for stock #MS260436, VIN JF2BUPDD5TY547243. $546 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $706, made up of $546 first payment, $60 title, $100 registration. MSRP $43,995. Lease selling price $41,427. Net capitalized cost $42,022. Residual value $27,277, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD5TY547243_lease", "type": "lease", "label": "Lease", "headline": {"value": 452, "unit": "per_month", "display": "$452/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43995.0, "selling_price": 41427.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 452.34, "net_cap_cost": 39023.0, "residual_value": 27276.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 452.34, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3611.34}, "total_of_payments": 16272, "total_of_payments_unrounded": 16284.24}, "disclosure": "Estimated lease payment for stock #MS260436, VIN JF2BUPDD5TY547243. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,611, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,995. Lease selling price $41,427. Net capitalized cost $39,023. Residual value $27,277, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,272. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 376}}, {"vin": "JF1VBAH61T9807437", "title": "2026 Subaru WRX Base", "year": 2026, "make": "Subaru", "model": "WRX", "trim": "Base", "decoded_trim": "Premium", "condition": "new", "price": 34272.0, "msrp": 34272.0, "sale_price": 34272.0, "currency": "USD", "mileage": 7, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Premium Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "6-Speed Manual w/OD", "mpg_city": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "MS260511", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 7, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ce808cc76d6941a293dd5cbdbde44893.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ce808cc76d6941a293dd5cbdbde44893.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/21ade233436047c48e815ab2cc3f891b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ded92fa2ccb04125ac47f8b4e6241331.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c383897ef55c49eab2270ce614061cc6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e4ec528d39ca4db08cdbe4a1d9c43df8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/13bea499ff7a40a79084fe2df9ea5766.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b50d78609f7a4c0797b88c9535eac232.jpg"], "vin_decode": {"make": "Subaru", "model": "WRX", "year": 2026, "trim": "Premium", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "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": 34272.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF1VBAH61T9807437.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbah61t9807437/2026-subaru-wrx-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbah61t9807437/2026-subaru-wrx-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF1VBAH61T9807437.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF1VBAH61T9807437.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF1VBAH61T9807437.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbah61t9807437/2026-subaru-wrx-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260511, VIN JF1VBAH61T9807437. Advertised price: $34,272. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$34,272"}], "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": "2026-07-26T16:50:10Z", "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": 34272.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1VBAH61T9807437_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 695, "unit": "per_month", "display": "$695/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34272.0, "price_incl_doc": 34272.0, "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": 695.38, "amount_financed": 36414.0, "sales_tax": 2142.0, "total_of_payments": 41722.9, "finance_charge": 5308.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260511, VIN JF1VBAH61T9807437. $695 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,272, before any dealer documentation fee. Amount financed $36,414, including $2,142 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,723. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH61T9807437_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": 34272.0, "price_incl_doc": 34272.0, "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": 603.31, "amount_financed": 36414.0, "sales_tax": 2142.0, "total_of_payments": 43438.56, "finance_charge": 7024.56, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260511, VIN JF1VBAH61T9807437. $603 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,272, before any dealer documentation fee. Amount financed $36,414, including $2,142 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,439. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH61T9807437_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 541, "unit": "per_month", "display": "$541/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34272.0, "price_incl_doc": 34272.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 540.55, "amount_financed": 36414.0, "sales_tax": 2142.0, "total_of_payments": 45406.29, "finance_charge": 8992.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260511, VIN JF1VBAH61T9807437. $541 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,272, before any dealer documentation fee. Amount financed $36,414, including $2,142 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,406. 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"}, {"offer_id": "of_JF1VBAH61T9807437_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 491, "unit": "per_month", "display": "$491/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34272.0, "selling_price": 34272.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 491.37, "net_cap_cost": 34867.0, "residual_value": 21248.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 491.37, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 651.37}, "total_of_payments": 17676, "total_of_payments_unrounded": 17689.32}, "disclosure": "Estimated lease payment for stock #MS260511, VIN JF1VBAH61T9807437. $491 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $651, made up of $491 first payment, $60 title, $100 registration. MSRP $34,272. Lease selling price $34,272. Net capitalized cost $34,867. Residual value $21,249, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,676. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH61T9807437_lease", "type": "lease", "label": "Lease", "headline": {"value": 398, "unit": "per_month", "display": "$398/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34272.0, "selling_price": 34272.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 398.07, "net_cap_cost": 31868.0, "residual_value": 21248.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.07, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3557.07}, "total_of_payments": 14328, "total_of_payments_unrounded": 14330.52}, "disclosure": "Estimated lease payment for stock #MS260511, VIN JF1VBAH61T9807437. $398 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,557, made up of $398 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,272. Lease selling price $34,272. Net capitalized cost $31,868. Residual value $21,249, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,328. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 362}}, {"vin": "JF1VBAN6XT9806288", "title": "2026 Subaru WRX Limited", "year": 2026, "make": "Subaru", "model": "WRX", "trim": "Limited", "decoded_trim": "Limited", "condition": "new", "price": 41573.0, "msrp": 41573.0, "sale_price": 41573.0, "currency": "USD", "mileage": 7, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": 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"1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vban6xt9806288/2026-subaru-wrx-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF1VBAN6XT9806288.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF1VBAN6XT9806288.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF1VBAN6XT9806288.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vban6xt9806288/2026-subaru-wrx-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260443, VIN JF1VBAN6XT9806288. Advertised price: $41,573. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$41,573"}], "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": "2026-07-26T16:50:10Z", "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": 41573.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1VBAN6XT9806288_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 844, "unit": "per_month", "display": "$844/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41573.0, "price_incl_doc": 41573.0, "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": 843.52, "amount_financed": 44171.31, "sales_tax": 2598.31, "total_of_payments": 50611.17, "finance_charge": 6439.86, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260443, VIN JF1VBAN6XT9806288. $844 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,573, before any dealer documentation fee. Amount financed $44,171, including $2,598 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,611. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAN6XT9806288_finance_72", "type": "finance_72", "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": 41573.0, "price_incl_doc": 41573.0, "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": 731.84, "amount_financed": 44171.31, "sales_tax": 2598.31, "total_of_payments": 52692.31, "finance_charge": 8521.0, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260443, VIN JF1VBAN6XT9806288. $732 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,573, before any dealer documentation fee. Amount financed $44,171, including $2,598 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,692. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAN6XT9806288_finance_84", "type": "finance_84", "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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41573.0, "price_incl_doc": 41573.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 655.71, "amount_financed": 44171.31, "sales_tax": 2598.31, "total_of_payments": 55079.24, "finance_charge": 10907.93, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260443, VIN JF1VBAN6XT9806288. $656 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,573, before any dealer documentation fee. Amount financed $44,171, including $2,598 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,079. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAN6XT9806288_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41573.0, "selling_price": 41573.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 592.1, "net_cap_cost": 42168.0, "residual_value": 25775.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 592.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 752.1}, "total_of_payments": 21312, "total_of_payments_unrounded": 21315.6}, "disclosure": "Estimated lease payment for stock #MS260443, VIN JF1VBAN6XT9806288. $592 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $752, made up of $592 first payment, $60 title, $100 registration. MSRP $41,573. Lease selling price $41,573. Net capitalized cost $42,168. Residual value $25,775, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,312. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAN6XT9806288_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41573.0, "selling_price": 41573.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 498.81, "net_cap_cost": 39169.0, "residual_value": 25775.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 498.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3657.81}, "total_of_payments": 17964, "total_of_payments_unrounded": 17957.16}, "disclosure": "Estimated lease payment for stock #MS260443, VIN JF1VBAN6XT9806288. $499 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,658, made up of $499 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,573. Lease selling price $41,573. Net capitalized cost $39,169. Residual value $25,775, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,964. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 43995.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPDD6TY547316.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd6ty547316/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd6ty547316/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPDD6TY547316.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD6TY547316.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD6TY547316.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd6ty547316/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,568. This offer applies to Stock #MS260440, VIN JF2BUPDD6TY547316. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $43,995. Advertised price: $41,427. Savings: $2,568, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$43,995"}, {"label": "Advertised price", "value": "$41,427"}, {"label": "Savings", "value": "$2,568, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,568", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 41427.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPDD6TY547316_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 841, "unit": "per_month", "display": "$841/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41427.0, "price_incl_doc": 41427.0, "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": 840.56, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 50433.43, "finance_charge": 6417.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260440, VIN JF2BUPDD6TY547316. $841 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,433. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD6TY547316_finance_72", "type": "finance_72", "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": 41427.0, "price_incl_doc": 41427.0, "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": 729.27, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 52507.27, "finance_charge": 8491.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260440, VIN JF2BUPDD6TY547316. $729 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,507. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD6TY547316_finance_84", "type": "finance_84", "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": 41427.0, "price_incl_doc": 41427.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.4, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 54885.81, "finance_charge": 10869.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260440, VIN JF2BUPDD6TY547316. $653 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,886. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD6TY547316_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43995.0, "selling_price": 41427.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 545.63, "net_cap_cost": 42022.0, "residual_value": 27276.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 545.63, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 705.63}, "total_of_payments": 19656, "total_of_payments_unrounded": 19642.68}, "disclosure": "Estimated lease payment for stock #MS260440, VIN JF2BUPDD6TY547316. $546 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $706, made up of $546 first payment, $60 title, $100 registration. MSRP $43,995. Lease selling price $41,427. Net capitalized cost $42,022. Residual value $27,277, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD6TY547316_lease", "type": "lease", "label": "Lease", "headline": {"value": 452, "unit": "per_month", "display": "$452/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43995.0, "selling_price": 41427.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 452.34, "net_cap_cost": 39023.0, "residual_value": 27276.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 452.34, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3611.34}, "total_of_payments": 16272, "total_of_payments_unrounded": 16284.24}, "disclosure": "Estimated lease payment for stock #MS260440, VIN JF2BUPDD6TY547316. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,611, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,995. Lease selling price $41,427. Net capitalized cost $39,023. Residual value $27,277, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,272. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 380}}, {"vin": "JF2GUSND0T8274459", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 39129.0, "msrp": 39129.0, "sale_price": 39129.0, "currency": "USD", "mileage": null, "exterior_color": "Sand Dune Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8274459", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274459_22.jpg"], "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": 39129.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSND0T8274459.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8274459/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8274459/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND0T8274459.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND0T8274459.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND0T8274459.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8274459/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8274459, VIN JF2GUSND0T8274459. Advertised price: $39,129. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$39,129"}], "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": "2026-07-26T16:50:10Z", "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": 39129.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND0T8274459_finance_60", "type": "finance_60", "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": 39129.0, "price_incl_doc": 39129.0, "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": 793.93, "amount_financed": 41574.56, "sales_tax": 2445.56, "total_of_payments": 47635.83, "finance_charge": 6061.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274459, VIN JF2GUSND0T8274459. $794 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,129, before any dealer documentation fee. Amount financed $41,575, including $2,446 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,636. 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_JF2GUSND0T8274459_finance_72", "type": "finance_72", "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": 39129.0, "price_incl_doc": 39129.0, "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": 688.81, "amount_financed": 41574.56, "sales_tax": 2445.56, "total_of_payments": 49594.63, "finance_charge": 8020.07, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274459, VIN JF2GUSND0T8274459. $689 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,129, before any dealer documentation fee. Amount financed $41,575, including $2,446 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,595. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8274459_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 617, "unit": "per_month", "display": "$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": 39129.0, "price_incl_doc": 39129.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 617.16, "amount_financed": 41574.56, "sales_tax": 2445.56, "total_of_payments": 51841.23, "finance_charge": 10266.67, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274459, VIN JF2GUSND0T8274459. $617 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,129, before any dealer documentation fee. Amount financed $41,575, including $2,446 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,841. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8274459_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 558, "unit": "per_month", "display": "$558/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39129.0, "selling_price": 39129.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 558.38, "net_cap_cost": 39724.0, "residual_value": 24259.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 558.38, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 718.38}, "total_of_payments": 20088, "total_of_payments_unrounded": 20101.68}, "disclosure": "Estimated lease payment for stock #T8274459, VIN JF2GUSND0T8274459. $558 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $718, made up of $558 first payment, $60 title, $100 registration. MSRP $39,129. Lease selling price $39,129. Net capitalized cost $39,724. Residual value $24,260, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,088. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8274459_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39129.0, "selling_price": 39129.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 465.09, "net_cap_cost": 36725.0, "residual_value": 24259.98, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 465.09, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3624.09}, "total_of_payments": 16740, "total_of_payments_unrounded": 16743.24}, "disclosure": "Estimated lease payment for stock #T8274459, VIN JF2GUSND0T8274459. $465 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,624, made up of $465 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,129. Lease selling price $39,129. Net capitalized cost $36,725. Residual value $24,260, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,740. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 377}}, {"vin": "4S4SLDD61T3144144", "title": "2026 Subaru Forester Premium", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 35552.0, "msrp": 35552.0, "sale_price": 35552.0, "currency": "USD", "mileage": null, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3144144", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144144_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35552.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDD61T3144144.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldd61t3144144/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldd61t3144144/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDD61T3144144.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDD61T3144144.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDD61T3144144.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldd61t3144144/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3144144, VIN 4S4SLDD61T3144144. Advertised price: $35,552. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$35,552"}], "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": "2026-07-26T16:50:10Z", "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": 35552.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDD61T3144144_finance_60", "type": "finance_60", "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": 35552.0, "price_incl_doc": 35552.0, "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": 721.35, "amount_financed": 37774.0, "sales_tax": 2222.0, "total_of_payments": 43281.18, "finance_charge": 5507.18, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3144144, VIN 4S4SLDD61T3144144. $721 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,552, before any dealer documentation fee. Amount financed $37,774, including $2,222 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,281. 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_4S4SLDD61T3144144_finance_72", "type": "finance_72", "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": 35552.0, "price_incl_doc": 35552.0, "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": 625.85, "amount_financed": 37774.0, "sales_tax": 2222.0, "total_of_payments": 45060.91, "finance_charge": 7286.91, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3144144, VIN 4S4SLDD61T3144144. $626 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,552, before any dealer documentation fee. Amount financed $37,774, including $2,222 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,061. 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"}, {"offer_id": "of_4S4SLDD61T3144144_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 561, "unit": "per_month", "display": "$561/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35552.0, "price_incl_doc": 35552.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 560.74, "amount_financed": 37774.0, "sales_tax": 2222.0, "total_of_payments": 47102.14, "finance_charge": 9328.14, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3144144, VIN 4S4SLDD61T3144144. $561 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,552, before any dealer documentation fee. Amount financed $37,774, including $2,222 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,102. 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_4S4SLDD61T3144144_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35552.0, "selling_price": 35552.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 509.03, "net_cap_cost": 36147.0, "residual_value": 22042.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 509.03, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 669.03}, "total_of_payments": 18324, "total_of_payments_unrounded": 18325.08}, "disclosure": "Estimated lease payment for stock #T3144144, VIN 4S4SLDD61T3144144. $509 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $669, made up of $509 first payment, $60 title, $100 registration. MSRP $35,552. Lease selling price $35,552. Net capitalized cost $36,147. Residual value $22,042, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,324. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDD61T3144144_lease", "type": "lease", "label": "Lease", "headline": {"value": 416, "unit": "per_month", "display": "$416/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35552.0, "selling_price": 35552.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 415.73, "net_cap_cost": 33148.0, "residual_value": 22042.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 415.73, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3574.73}, "total_of_payments": 14976, "total_of_payments_unrounded": 14966.28}, "disclosure": "Estimated lease payment for stock #T3144144, VIN 4S4SLDD61T3144144. $416 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,575, made up of $416 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,552. Lease selling price $35,552. Net capitalized cost $33,148. Residual value $22,042, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,976. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 354}}, {"vin": "4S4GUHU62T3778136", "title": "2026 Subaru Crosstrek Wilderness", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 36576.0, "msrp": 38767.0, "sale_price": 36576.0, "currency": "USD", "mileage": 7, "exterior_color": "Lithium Red Pearl", "interior_color": "Wilderness StarTex", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, 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"https://www.castlesubarumchenry.com/viewdetails/new/4s4guhu62t3778136/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHU62T3778136.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHU62T3778136.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHU62T3778136.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhu62t3778136/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,191. This offer applies to Stock #MS260403, VIN 4S4GUHU62T3778136. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $38,767. Advertised price: $36,576. Savings: $2,191, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$38,767"}, {"label": "Advertised price", "value": "$36,576"}, {"label": "Savings", "value": "$2,191, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,191", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 36576.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHU62T3778136_finance_60", "type": "finance_60", "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": 36576.0, "price_incl_doc": 36576.0, "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": 742.13, "amount_financed": 38862.0, "sales_tax": 2286.0, "total_of_payments": 44527.8, "finance_charge": 5665.8, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260403, VIN 4S4GUHU62T3778136. $742 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,576, before any dealer documentation fee. Amount financed $38,862, including $2,286 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,528. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHU62T3778136_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 644, "unit": "per_month", "display": "$644/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36576.0, "price_incl_doc": 36576.0, "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": 643.87, "amount_financed": 38862.0, "sales_tax": 2286.0, "total_of_payments": 46358.79, "finance_charge": 7496.79, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260403, VIN 4S4GUHU62T3778136. $644 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,576, before any dealer documentation fee. Amount financed $38,862, including $2,286 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,359. 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_4S4GUHU62T3778136_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 577, "unit": "per_month", "display": "$577/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36576.0, "price_incl_doc": 36576.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 576.89, "amount_financed": 38862.0, "sales_tax": 2286.0, "total_of_payments": 48458.82, "finance_charge": 9596.82, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260403, VIN 4S4GUHU62T3778136. $577 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,576, before any dealer documentation fee. Amount financed $38,862, including $2,286 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,459. 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"}, {"offer_id": "of_4S4GUHU62T3778136_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38767.0, "selling_price": 36576.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 485.23, "net_cap_cost": 37171.0, "residual_value": 24035.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 485.23, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 645.23}, "total_of_payments": 17460, "total_of_payments_unrounded": 17468.28}, "disclosure": "Estimated lease payment for stock #MS260403, VIN 4S4GUHU62T3778136. $485 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $645, made up of $485 first payment, $60 title, $100 registration. MSRP $38,767. Lease selling price $36,576. Net capitalized cost $37,171. Residual value $24,036, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,460. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHU62T3778136_lease", "type": "lease", "label": "Lease", "headline": {"value": 392, "unit": "per_month", "display": "$392/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38767.0, "selling_price": 36576.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 391.93, "net_cap_cost": 34172.0, "residual_value": 24035.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 391.93, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3550.93}, "total_of_payments": 14112, "total_of_payments_unrounded": 14109.48}, "disclosure": "Estimated lease payment for stock #MS260403, VIN 4S4GUHU62T3778136. $392 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,551, made up of $392 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,767. Lease selling price $36,576. Net capitalized cost $34,172. Residual value $24,036, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,112. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 328}}, {"vin": "JF2BURKD7TY527414", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 44480.0, "msrp": 47173.0, "sale_price": 44480.0, "currency": "USD", "mileage": 3, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260360", "stock_status": "Available", "availability": "In Stock", 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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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burkd7ty527414/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURKD7TY527414.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURKD7TY527414.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURKD7TY527414.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burkd7ty527414/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,693. This offer applies to Stock #MS260360, VIN JF2BURKD7TY527414. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $47,173. Advertised price: $44,480. Savings: $2,693, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$47,173"}, {"label": "Advertised price", "value": "$44,480"}, {"label": "Savings", "value": "$2,693, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,693", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:10Z", "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": 44480.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURKD7TY527414_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": 44480.0, "price_incl_doc": 44480.0, "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": 902.5, "amount_financed": 47260.0, "sales_tax": 2780.0, "total_of_payments": 54150.17, "finance_charge": 6890.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260360, VIN JF2BURKD7TY527414. $902 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,480, before any dealer documentation fee. Amount financed $47,260, including $2,780 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $54,150. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURKD7TY527414_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 783, "unit": "per_month", "display": "$783/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44480.0, "price_incl_doc": 44480.0, "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": 783.01, "amount_financed": 47260.0, "sales_tax": 2780.0, "total_of_payments": 56376.84, "finance_charge": 9116.84, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260360, VIN JF2BURKD7TY527414. $783 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,480, before any dealer documentation fee. Amount financed $47,260, including $2,780 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,377. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURKD7TY527414_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 702, "unit": "per_month", "display": "$702/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44480.0, "price_incl_doc": 44480.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.56, "amount_financed": 47260.0, "sales_tax": 2780.0, "total_of_payments": 58930.67, "finance_charge": 11670.67, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260360, VIN JF2BURKD7TY527414. $702 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,480, before any dealer documentation fee. Amount financed $47,260, including $2,780 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,931. 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_JF2BURKD7TY527414_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47173.0, "selling_price": 44480.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 585.59, "net_cap_cost": 45075.0, "residual_value": 29247.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 585.59, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 745.59}, "total_of_payments": 21096, "total_of_payments_unrounded": 21081.24}, "disclosure": "Estimated lease payment for stock #MS260360, VIN JF2BURKD7TY527414. $586 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $746, made up of $586 first payment, $60 title, $100 registration. MSRP $47,173. Lease selling price $44,480. Net capitalized cost $45,075. Residual value $29,247, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,096. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURKD7TY527414_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47173.0, "selling_price": 44480.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 492.3, "net_cap_cost": 42076.0, "residual_value": 29247.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 492.3, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3651.3}, "total_of_payments": 17712, "total_of_payments_unrounded": 17722.8}, "disclosure": "Estimated lease payment for stock #MS260360, VIN JF2BURKD7TY527414. $492 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,651, made up of $492 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $47,173. Lease selling price $44,480. Net capitalized cost $42,076. Residual value $29,247, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,712. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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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"https://ai.castlesubarumchenry.com/v/JF2BUPDD0TY551829.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD0TY551829.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd0ty551829/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,568. This offer applies to Stock #MS260517, VIN JF2BUPDD0TY551829. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $43,995. Advertised price: $41,427. Savings: $2,568, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$43,995"}, {"label": "Advertised price", "value": "$41,427"}, {"label": "Savings", "value": "$2,568, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,568", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41427.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPDD0TY551829_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 841, "unit": "per_month", "display": "$841/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41427.0, "price_incl_doc": 41427.0, "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": 840.56, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 50433.43, "finance_charge": 6417.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260517, VIN JF2BUPDD0TY551829. $841 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,433. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD0TY551829_finance_72", "type": "finance_72", "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": 41427.0, "price_incl_doc": 41427.0, "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": 729.27, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 52507.27, "finance_charge": 8491.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260517, VIN JF2BUPDD0TY551829. $729 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,507. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD0TY551829_finance_84", "type": "finance_84", "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": 41427.0, "price_incl_doc": 41427.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.4, "amount_financed": 44016.19, "sales_tax": 2589.19, "total_of_payments": 54885.81, "finance_charge": 10869.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260517, VIN JF2BUPDD0TY551829. $653 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,427, before any dealer documentation fee. Amount financed $44,016, including $2,589 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,886. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD0TY551829_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43995.0, "selling_price": 41427.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 545.63, "net_cap_cost": 42022.0, "residual_value": 27276.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 545.63, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 705.63}, "total_of_payments": 19656, "total_of_payments_unrounded": 19642.68}, "disclosure": "Estimated lease payment for stock #MS260517, VIN JF2BUPDD0TY551829. $546 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $706, made up of $546 first payment, $60 title, $100 registration. MSRP $43,995. Lease selling price $41,427. Net capitalized cost $42,022. Residual value $27,277, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,656. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD0TY551829_lease", "type": "lease", "label": "Lease", "headline": {"value": 452, "unit": "per_month", "display": "$452/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43995.0, "selling_price": 41427.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 452.34, "net_cap_cost": 39023.0, "residual_value": 27276.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 452.34, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3611.34}, "total_of_payments": 16272, "total_of_payments_unrounded": 16284.24}, "disclosure": "Estimated lease payment for stock #MS260517, VIN JF2BUPDD0TY551829. $452 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,611, made up of $452 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,995. Lease selling price $41,427. Net capitalized cost $39,023. Residual value $27,277, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,272. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 344}}, {"vin": "JF2BUPDD8TY526032", "title": "2026 Subaru Outback Limited", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Limited", "decoded_trim": "Limited", "condition": "new", "price": 42141.0, "msrp": 44914.0, "sale_price": 42141.0, "currency": "USD", "mileage": 7, "exterior_color": "Deep Emerald Green Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260366", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,773. This offer applies to Stock #MS260366, VIN JF2BUPDD8TY526032. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $44,914. Advertised price: $42,141. Savings: $2,773, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$44,914"}, {"label": "Advertised price", "value": "$42,141"}, {"label": "Savings", "value": "$2,773, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,773", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42141.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPDD8TY526032_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 855, "unit": "per_month", "display": "$855/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42141.0, "price_incl_doc": 42141.0, "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": 855.04, "amount_financed": 44774.81, "sales_tax": 2633.81, "total_of_payments": 51302.66, "finance_charge": 6527.85, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260366, VIN JF2BUPDD8TY526032. $855 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,141, before any dealer documentation fee. Amount financed $44,775, including $2,634 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,303. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD8TY526032_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": 42141.0, "price_incl_doc": 42141.0, "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": 741.84, "amount_financed": 44774.81, "sales_tax": 2633.81, "total_of_payments": 53412.23, "finance_charge": 8637.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260366, VIN JF2BUPDD8TY526032. $742 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,141, before any dealer documentation fee. Amount financed $44,775, including $2,634 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,412. 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_JF2BUPDD8TY526032_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 665, "unit": "per_month", "display": "$665/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42141.0, "price_incl_doc": 42141.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 664.66, "amount_financed": 44774.81, "sales_tax": 2633.81, "total_of_payments": 55831.77, "finance_charge": 11056.96, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260366, VIN JF2BUPDD8TY526032. $665 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,141, before any dealer documentation fee. Amount financed $44,775, including $2,634 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,832. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD8TY526032_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44914.0, "selling_price": 42141.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 551.93, "net_cap_cost": 42736.0, "residual_value": 27846.68, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 551.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 711.93}, "total_of_payments": 19872, "total_of_payments_unrounded": 19869.48}, "disclosure": "Estimated lease payment for stock #MS260366, VIN JF2BUPDD8TY526032. $552 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $712, made up of $552 first payment, $60 title, $100 registration. MSRP $44,914. Lease selling price $42,141. Net capitalized cost $42,736. Residual value $27,847, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,872. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD8TY526032_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44914.0, "selling_price": 42141.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 458.64, "net_cap_cost": 39737.0, "residual_value": 27846.68, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 458.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3617.64}, "total_of_payments": 16524, "total_of_payments_unrounded": 16511.04}, "disclosure": "Estimated lease payment for stock #MS260366, VIN JF2BUPDD8TY526032. $459 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,618, made up of $459 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $44,914. Lease selling price $42,141. Net capitalized cost $39,737. Residual value $27,847, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,524. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 338}}, {"vin": "JF2BURLD2TY498094", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 46185.0, "msrp": 49218.0, "sale_price": 46185.0, "currency": "USD", "mileage": 9, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260196", "stock_status": "Available", "availability": "In Stock", 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2.4, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49218.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURLD2TY498094.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burld2ty498094/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burld2ty498094/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURLD2TY498094.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURLD2TY498094.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURLD2TY498094.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burld2ty498094/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,033. This offer applies to Stock #MS260196, VIN JF2BURLD2TY498094. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $49,218. Advertised price: $46,185. Savings: $3,033, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$49,218"}, {"label": "Advertised price", "value": "$46,185"}, {"label": "Savings", "value": "$3,033, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,033", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46185.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURLD2TY498094_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 937, "unit": "per_month", "display": "$937/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46185.0, "price_incl_doc": 46185.0, "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": 937.1, "amount_financed": 49071.56, "sales_tax": 2886.56, "total_of_payments": 56225.84, "finance_charge": 7154.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260196, VIN JF2BURLD2TY498094. $937 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,185, before any dealer documentation fee. Amount financed $49,072, including $2,887 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,226. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLD2TY498094_finance_72", "type": "finance_72", "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": 46185.0, "price_incl_doc": 46185.0, "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": 813.03, "amount_financed": 49071.56, "sales_tax": 2886.56, "total_of_payments": 58537.86, "finance_charge": 9466.3, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260196, VIN JF2BURLD2TY498094. $813 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,185, before any dealer documentation fee. Amount financed $49,072, including $2,887 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,538. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLD2TY498094_finance_84", "type": "finance_84", "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": 46185.0, "price_incl_doc": 46185.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 728.45, "amount_financed": 49071.56, "sales_tax": 2886.56, "total_of_payments": 61189.59, "finance_charge": 12118.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260196, VIN JF2BURLD2TY498094. $728 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,185, before any dealer documentation fee. Amount financed $49,072, including $2,887 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,190. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLD2TY498094_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49218.0, "selling_price": 46185.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 603.23, "net_cap_cost": 46780.0, "residual_value": 30515.16, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 603.23, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 763.23}, "total_of_payments": 21708, "total_of_payments_unrounded": 21716.28}, "disclosure": "Estimated lease payment for stock #MS260196, VIN JF2BURLD2TY498094. $603 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $763, made up of $603 first payment, $60 title, $100 registration. MSRP $49,218. Lease selling price $46,185. Net capitalized cost $46,780. Residual value $30,515, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,708. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLD2TY498094_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49218.0, "selling_price": 46185.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 509.94, "net_cap_cost": 43781.0, "residual_value": 30515.16, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 509.94, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3668.94}, "total_of_payments": 18360, "total_of_payments_unrounded": 18357.84}, "disclosure": "Estimated lease payment for stock #MS260196, VIN JF2BURLD2TY498094. $510 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,669, made up of $510 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,218. Lease selling price $46,185. Net capitalized cost $43,781. Residual value $30,515, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,360. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 322}}, {"vin": "4S4WMAKD2T3433094", "title": "2026 Subaru Ascent Touring 7-Passenger", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Touring 7-Passenger", "decoded_trim": "Touring", "condition": "new", "price": 54058.0, "msrp": 54058.0, "sale_price": 54058.0, "currency": "USD", "mileage": null, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.4L 4-Cylinder", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3433094", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMAKD2T3433094_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Ascent", "year": 2026, "trim": "Touring", "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": 54058.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4WMAKD2T3433094.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmakd2t3433094/2026-subaru-ascent-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmakd2t3433094/2026-subaru-ascent-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4WMAKD2T3433094.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4WMAKD2T3433094.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4WMAKD2T3433094.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmakd2t3433094/2026-subaru-ascent-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3433094, VIN 4S4WMAKD2T3433094. Advertised price: $54,058. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$54,058"}], "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 54058.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMAKD2T3433094_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1097, "unit": "per_month", "display": "$1,097/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": 54058.0, "price_incl_doc": 54058.0, "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": 1096.84, "amount_financed": 57436.63, "sales_tax": 3378.63, "total_of_payments": 65810.48, "finance_charge": 8373.85, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3433094, VIN 4S4WMAKD2T3433094. $1,097 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $54,058, before any dealer documentation fee. Amount financed $57,437, including $3,379 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $65,810. 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_4S4WMAKD2T3433094_finance_72", "type": "finance_72", "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": 54058.0, "price_incl_doc": 54058.0, "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": 951.62, "amount_financed": 57436.63, "sales_tax": 3378.63, "total_of_payments": 68516.62, "finance_charge": 11079.99, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3433094, VIN 4S4WMAKD2T3433094. $952 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $54,058, before any dealer documentation fee. Amount financed $57,437, including $3,379 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $68,517. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAKD2T3433094_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 853, "unit": "per_month", "display": "$853/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 54058.0, "price_incl_doc": 54058.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 852.62, "amount_financed": 57436.63, "sales_tax": 3378.63, "total_of_payments": 71620.38, "finance_charge": 14183.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3433094, VIN 4S4WMAKD2T3433094. $853 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $54,058, before any dealer documentation fee. Amount financed $57,437, including $3,379 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $71,620. 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_4S4WMAKD2T3433094_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 54058.0, "selling_price": 54058.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 764.36, "net_cap_cost": 54653.0, "residual_value": 33515.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 764.36, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 924.36}, "total_of_payments": 27504, "total_of_payments_unrounded": 27516.96}, "disclosure": "Estimated lease payment for stock #T3433094, VIN 4S4WMAKD2T3433094. $764 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $924, made up of $764 first payment, $60 title, $100 registration. MSRP $54,058. Lease selling price $54,058. Net capitalized cost $54,653. Residual value $33,516, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $27,504. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAKD2T3433094_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 54058.0, "selling_price": 54058.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 671.06, "net_cap_cost": 51654.0, "residual_value": 33515.96, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 671.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3830.06}, "total_of_payments": 24156, "total_of_payments_unrounded": 24158.16}, "disclosure": "Estimated lease payment for stock #T3433094, VIN 4S4WMAKD2T3433094. $671 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,830, made up of $671 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $54,058. Lease selling price $54,058. Net capitalized cost $51,654. Residual value $33,516, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $24,156. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 320}}, {"vin": "JF2BUPBD1TY558842", "title": "2026 Subaru Outback Premium", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 39536.0, "msrp": 39536.0, "sale_price": 39536.0, "currency": "USD", "mileage": null, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": 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2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39536.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPBD1TY558842.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd1ty558842/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd1ty558842/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPBD1TY558842.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD1TY558842.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD1TY558842.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd1ty558842/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #TY558842, VIN JF2BUPBD1TY558842. Advertised price: $39,536. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$39,536"}], "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39536.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPBD1TY558842_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 802, "unit": "per_month", "display": "$802/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39536.0, "price_incl_doc": 39536.0, "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": 802.19, "amount_financed": 42007.0, "sales_tax": 2471.0, "total_of_payments": 48131.32, "finance_charge": 6124.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY558842, VIN JF2BUPBD1TY558842. $802 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,536, before any dealer documentation fee. Amount financed $42,007, including $2,471 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,131. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD1TY558842_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": 39536.0, "price_incl_doc": 39536.0, "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": 695.98, "amount_financed": 42007.0, "sales_tax": 2471.0, "total_of_payments": 50110.49, "finance_charge": 8103.49, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY558842, VIN JF2BUPBD1TY558842. $696 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,536, before any dealer documentation fee. Amount financed $42,007, including $2,471 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,110. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD1TY558842_finance_84", "type": "finance_84", "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": 39536.0, "price_incl_doc": 39536.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 623.58, "amount_financed": 42007.0, "sales_tax": 2471.0, "total_of_payments": 52380.46, "finance_charge": 10373.46, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY558842, VIN JF2BUPBD1TY558842. $624 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,536, before any dealer documentation fee. Amount financed $42,007, including $2,471 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $52,380. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD1TY558842_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 564, "unit": "per_month", "display": "$564/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39536.0, "selling_price": 39536.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 563.99, "net_cap_cost": 40131.0, "residual_value": 24512.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 563.99, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 723.99}, "total_of_payments": 20304, "total_of_payments_unrounded": 20303.64}, "disclosure": "Estimated lease payment for stock #TY558842, VIN JF2BUPBD1TY558842. $564 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $724, made up of $564 first payment, $60 title, $100 registration. MSRP $39,536. Lease selling price $39,536. Net capitalized cost $40,131. Residual value $24,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,304. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD1TY558842_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39536.0, "selling_price": 39536.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 470.7, "net_cap_cost": 37132.0, "residual_value": 24512.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 470.7, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3629.7}, "total_of_payments": 16956, "total_of_payments_unrounded": 16945.2}, "disclosure": "Estimated lease payment for stock #TY558842, VIN JF2BUPBD1TY558842. $471 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,630, made up of $471 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,536. Lease selling price $39,536. Net capitalized cost $37,132. Residual value $24,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,956. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 322}}, {"vin": "JF2BUPAD4TY565446", "title": "2026 Subaru Outback Premium", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 35065.0, "msrp": 36969.0, "sale_price": 35065.0, "currency": "USD", "mileage": 5, "exterior_color": "Crystal Black Silica", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260571", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPAD4TY565446_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36969.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPAD4TY565446.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupad4ty565446/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupad4ty565446/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPAD4TY565446.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPAD4TY565446.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPAD4TY565446.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupad4ty565446/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,904. This offer applies to Stock #MS260571, VIN JF2BUPAD4TY565446. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $36,969. Advertised price: $35,065. Savings: $1,904, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$36,969"}, {"label": "Advertised price", "value": "$35,065"}, {"label": "Savings", "value": "$1,904, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,904", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35065.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPAD4TY565446_finance_60", "type": "finance_60", "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": 35065.0, "price_incl_doc": 35065.0, "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": 711.47, "amount_financed": 37256.56, "sales_tax": 2191.56, "total_of_payments": 42688.3, "finance_charge": 5431.74, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260571, VIN JF2BUPAD4TY565446. $711 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,065, before any dealer documentation fee. Amount financed $37,257, including $2,192 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,688. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPAD4TY565446_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 617, "unit": "per_month", "display": "$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": 35065.0, "price_incl_doc": 35065.0, "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": 617.27, "amount_financed": 37256.56, "sales_tax": 2191.56, "total_of_payments": 44443.65, "finance_charge": 7187.09, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260571, VIN JF2BUPAD4TY565446. $617 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,065, before any dealer documentation fee. Amount financed $37,257, including $2,192 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,444. 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_JF2BUPAD4TY565446_finance_84", "type": "finance_84", "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": 35065.0, "price_incl_doc": 35065.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.06, "amount_financed": 37256.56, "sales_tax": 2191.56, "total_of_payments": 46456.92, "finance_charge": 9200.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260571, VIN JF2BUPAD4TY565446. $553 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,065, before any dealer documentation fee. Amount financed $37,257, including $2,192 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,457. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPAD4TY565446_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36969.0, "selling_price": 35065.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 469.35, "net_cap_cost": 35660.0, "residual_value": 22920.78, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 469.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 629.35}, "total_of_payments": 16884, "total_of_payments_unrounded": 16896.6}, "disclosure": "Estimated lease payment for stock #MS260571, VIN JF2BUPAD4TY565446. $469 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $629, made up of $469 first payment, $60 title, $100 registration. MSRP $36,969. Lease selling price $35,065. Net capitalized cost $35,660. Residual value $22,921, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,884. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPAD4TY565446_lease", "type": "lease", "label": "Lease", "headline": {"value": 376, "unit": "per_month", "display": "$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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36969.0, "selling_price": 35065.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 376.06, "net_cap_cost": 32661.0, "residual_value": 22920.78, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 376.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3535.06}, "total_of_payments": 13536, "total_of_payments_unrounded": 13538.16}, "disclosure": "Estimated lease payment for stock #MS260571, VIN JF2BUPAD4TY565446. $376 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,535, made up of $376 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,969. Lease selling price $35,065. Net capitalized cost $32,661. Residual value $22,921, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,536. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 322}}, {"vin": "4S4SLDA60T3133561", "title": "2026 Subaru Forester Standard Model", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Standard Model", "decoded_trim": "Base Plus", "condition": "new", "price": 30532.0, "msrp": 32048.0, "sale_price": 30532.0, "currency": "USD", "mileage": 7, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260531", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 31, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/23a70a13c2f144a9a478c8502048edcf.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/23a70a13c2f144a9a478c8502048edcf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f5fc4cdcd5a54d8288dc8d81d19398f1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/acd10f4fb19049d08667b2aa42116a32.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9f143e3bde3b4692bd00c23ea3135ece.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8beac5b474eb4b43ad20a00f453c7734.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/303b2b87aae14d7c8f2bcabaac602871.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/70a24a1791b04336a92cf2e027aa578e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/05faf24aca534f1e9dddc6cc6f4756c7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6392132aff0746c7b279df8fb1a2e50a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8169d2426829460e8156d45b940f7feb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b387151028b54cfe825df81d7ae76bf3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/15c4c3ffac9548f0a94f4d48d7919dba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3a6f2674eea245938eca54b537a20d7e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5ea99500ca7542f0911d8b8d04db506e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f91ebaf04e6045168393d89317617fc0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5efb74f130e74cf89ab3d460754068dd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0ae048113bd3463b966b74f96401636e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/94b6201574c748cf825a3ed4d4b9ef83.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66b15a3c47724f119d8c68300c3d5c74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/add700ddf1fe4c4196633576e3877f6d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/592f2a411a524564a391e81d2e0018b5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/24685f05e7754ee3b9c9ace567b24165.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f7d03bbccc9546459de649e1ed3821d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d12468adacf14552874b0b01f8ec4446.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/530dfd3c37e344b688a9ca3f29b1b3de.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/318c3ec47e824499be693e255dcf65fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f86e1149114c42f3b8e95dc18f81457c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/45fb236654be4b9b9f436858ca30c5f2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d8834764c01941a9af0bd18bbae8a1d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e526769f72384860a7f73696fa7f763d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8821bec52b0640088a919d15d41df665.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "year": 2026, "trim": "Base Plus", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 32048.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDA60T3133561.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slda60t3133561/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slda60t3133561/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDA60T3133561.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDA60T3133561.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDA60T3133561.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4slda60t3133561/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,516. This offer applies to Stock #MS260531, VIN 4S4SLDA60T3133561. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $32,048. Advertised price: $30,532. Savings: $1,516, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$32,048"}, {"label": "Advertised price", "value": "$30,532"}, {"label": "Savings", "value": "$1,516, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,516", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30532.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDA60T3133561_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30532.0, "price_incl_doc": 30532.0, "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": 619.5, "amount_financed": 32440.25, "sales_tax": 1908.25, "total_of_payments": 37169.81, "finance_charge": 4729.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260531, VIN 4S4SLDA60T3133561. $620 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,532, before any dealer documentation fee. Amount financed $32,440, including $1,908 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $37,170. 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_4S4SLDA60T3133561_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 537, "unit": "per_month", "display": "$537/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30532.0, "price_incl_doc": 30532.0, "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": 537.48, "amount_financed": 32440.25, "sales_tax": 1908.25, "total_of_payments": 38698.24, "finance_charge": 6257.99, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260531, VIN 4S4SLDA60T3133561. $537 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,532, before any dealer documentation fee. Amount financed $32,440, including $1,908 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,698. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDA60T3133561_finance_84", "type": "finance_84", "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": 30532.0, "price_incl_doc": 30532.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 481.56, "amount_financed": 32440.25, "sales_tax": 1908.25, "total_of_payments": 40451.24, "finance_charge": 8010.99, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260531, VIN 4S4SLDA60T3133561. $482 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,532, before any dealer documentation fee. Amount financed $32,440, including $1,908 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,451. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDA60T3133561_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32048.0, "selling_price": 30532.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 413.52, "net_cap_cost": 31127.0, "residual_value": 19869.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 413.52, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 573.52}, "total_of_payments": 14904, "total_of_payments_unrounded": 14886.72}, "disclosure": "Estimated lease payment for stock #MS260531, VIN 4S4SLDA60T3133561. $414 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $574, made up of $414 first payment, $60 title, $100 registration. MSRP $32,048. Lease selling price $30,532. Net capitalized cost $31,127. Residual value $19,870, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,904. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDA60T3133561_lease", "type": "lease", "label": "Lease", "headline": {"value": 320, "unit": "per_month", "display": "$320/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32048.0, "selling_price": 30532.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 320.23, "net_cap_cost": 28128.0, "residual_value": 19869.76, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 320.23, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3479.23}, "total_of_payments": 11520, "total_of_payments_unrounded": 11528.28}, "disclosure": "Estimated lease payment for stock #MS260531, VIN 4S4SLDA60T3133561. $320 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,479, made up of $320 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $32,048. Lease selling price $30,532. Net capitalized cost $28,128. Residual value $19,870, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,520. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 369}}, {"vin": "JF2GUSGD1T8267002", "title": "2026 Subaru Crosstrek Sport Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport Hybrid", "decoded_trim": "Sport", "condition": "new", "price": 34974.0, "msrp": 36876.0, "sale_price": 34974.0, "currency": "USD", "mileage": 6, "exterior_color": "Citron Yellow Pearl", "interior_color": "Sport Cloth", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "Gas/Electric H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 36, "mpg_hwy": 36, "range_miles": null, "battery_kwh": null, "stock_number": "MS260513", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8267002_22.jpg"], "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": 36876.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSGD1T8267002.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd1t8267002/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd1t8267002/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSGD1T8267002.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSGD1T8267002.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSGD1T8267002.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd1t8267002/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,902. This offer applies to Stock #MS260513, VIN JF2GUSGD1T8267002. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $36,876. Advertised price: $34,974. Savings: $1,902, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$36,876"}, {"label": "Advertised price", "value": "$34,974"}, {"label": "Savings", "value": "$1,902, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,902", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34974.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSGD1T8267002_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": 34974.0, "price_incl_doc": 34974.0, "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": 709.63, "amount_financed": 37159.88, "sales_tax": 2185.88, "total_of_payments": 42577.52, "finance_charge": 5417.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260513, VIN JF2GUSGD1T8267002. $710 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,974, before any dealer documentation fee. Amount financed $37,160, including $2,186 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,578. 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_JF2GUSGD1T8267002_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": 34974.0, "price_incl_doc": 34974.0, "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": 615.67, "amount_financed": 37159.88, "sales_tax": 2185.88, "total_of_payments": 44328.32, "finance_charge": 7168.44, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260513, VIN JF2GUSGD1T8267002. $616 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,974, before any dealer documentation fee. Amount financed $37,160, including $2,186 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,328. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD1T8267002_finance_84", "type": "finance_84", "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": 34974.0, "price_incl_doc": 34974.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 551.62, "amount_financed": 37159.88, "sales_tax": 2185.88, "total_of_payments": 46336.37, "finance_charge": 9176.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260513, VIN JF2GUSGD1T8267002. $552 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,974, before any dealer documentation fee. Amount financed $37,160, including $2,186 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,336. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD1T8267002_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 468, "unit": "per_month", "display": "$468/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36876.0, "selling_price": 34974.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 468.13, "net_cap_cost": 35569.0, "residual_value": 22863.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 468.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 628.13}, "total_of_payments": 16848, "total_of_payments_unrounded": 16852.68}, "disclosure": "Estimated lease payment for stock #MS260513, VIN JF2GUSGD1T8267002. $468 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $628, made up of $468 first payment, $60 title, $100 registration. MSRP $36,876. Lease selling price $34,974. Net capitalized cost $35,569. Residual value $22,863, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,848. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD1T8267002_lease", "type": "lease", "label": "Lease", "headline": {"value": 375, "unit": "per_month", "display": "$375/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36876.0, "selling_price": 34974.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 374.83, "net_cap_cost": 32570.0, "residual_value": 22863.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 374.83, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3533.83}, "total_of_payments": 13500, "total_of_payments_unrounded": 13493.88}, "disclosure": "Estimated lease payment for stock #MS260513, VIN JF2GUSGD1T8267002. $375 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,534, made up of $375 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,876. Lease selling price $34,974. Net capitalized cost $32,570. Residual value $22,863, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,500. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 370}}, {"vin": "4S4GUHM67T3790461", "title": "2026 Subaru Crosstrek Limited", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited", "decoded_trim": null, "condition": "new", "price": 35401.0, "msrp": 37470.0, "sale_price": 35401.0, "currency": "USD", "mileage": 7, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260507", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://ai.castlesubarumchenry.com/sticker/4S4GUHM67T3790461.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm67t3790461/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm67t3790461/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHM67T3790461.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM67T3790461.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHM67T3790461.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhm67t3790461/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,069. This offer applies to Stock #MS260507, VIN 4S4GUHM67T3790461. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,470. Advertised price: $35,401. Savings: $2,069, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$37,470"}, {"label": "Advertised price", "value": "$35,401"}, {"label": "Savings", "value": "$2,069, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,069", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35401.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHM67T3790461_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 718, "unit": "per_month", "display": "$718/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35401.0, "price_incl_doc": 35401.0, "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": 718.29, "amount_financed": 37613.56, "sales_tax": 2212.56, "total_of_payments": 43097.35, "finance_charge": 5483.79, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260507, VIN 4S4GUHM67T3790461. $718 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,401, before any dealer documentation fee. Amount financed $37,614, including $2,213 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,097. 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_4S4GUHM67T3790461_finance_72", "type": "finance_72", "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": 35401.0, "price_incl_doc": 35401.0, "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": 623.19, "amount_financed": 37613.56, "sales_tax": 2212.56, "total_of_payments": 44869.52, "finance_charge": 7255.96, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260507, VIN 4S4GUHM67T3790461. $623 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,401, before any dealer documentation fee. Amount financed $37,614, including $2,213 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,870. 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"}, {"offer_id": "of_4S4GUHM67T3790461_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 558, "unit": "per_month", "display": "$558/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35401.0, "price_incl_doc": 35401.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 558.36, "amount_financed": 37613.56, "sales_tax": 2212.56, "total_of_payments": 46902.08, "finance_charge": 9288.52, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260507, VIN 4S4GUHM67T3790461. $558 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,401, before any dealer documentation fee. Amount financed $37,614, including $2,213 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,902. 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_4S4GUHM67T3790461_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37470.0, "selling_price": 35401.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 471.13, "net_cap_cost": 35996.0, "residual_value": 23231.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 471.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 631.13}, "total_of_payments": 16956, "total_of_payments_unrounded": 16960.68}, "disclosure": "Estimated lease payment for stock #MS260507, VIN 4S4GUHM67T3790461. $471 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $631, made up of $471 first payment, $60 title, $100 registration. MSRP $37,470. Lease selling price $35,401. Net capitalized cost $35,996. Residual value $23,231, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,956. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM67T3790461_lease", "type": "lease", "label": "Lease", "headline": {"value": 378, "unit": "per_month", "display": "$378/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37470.0, "selling_price": 35401.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 377.83, "net_cap_cost": 32997.0, "residual_value": 23231.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 377.83, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3536.83}, "total_of_payments": 13608, "total_of_payments_unrounded": 13601.88}, "disclosure": "Estimated lease payment for stock #MS260507, VIN 4S4GUHM67T3790461. $378 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,537, made up of $378 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,470. Lease selling price $35,401. Net capitalized cost $32,997. Residual value $23,231, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,608. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 355}}, {"vin": "JF2BURJD6TY564889", "title": "2026 Subaru Outback Touring XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring XT", "decoded_trim": "Touring", "condition": "new", "price": 47546.0, "msrp": 50916.0, "sale_price": 47546.0, "currency": "USD", "mileage": 5, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260585", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD6TY564889_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "trim": "Touring", "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": 50916.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURJD6TY564889.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd6ty564889/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd6ty564889/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURJD6TY564889.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD6TY564889.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD6TY564889.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd6ty564889/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,370. This offer applies to Stock #MS260585, VIN JF2BURJD6TY564889. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $50,916. Advertised price: $47,546. Savings: $3,370, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$50,916"}, {"label": "Advertised price", "value": "$47,546"}, {"label": "Savings", "value": "$3,370, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,370", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURJD6TY564889_finance_60", "type": "finance_60", "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": 47546.0, "price_incl_doc": 47546.0, "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": 964.71, "amount_financed": 50517.63, "sales_tax": 2971.63, "total_of_payments": 57882.74, "finance_charge": 7365.11, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260585, VIN JF2BURJD6TY564889. $965 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,546, before any dealer documentation fee. Amount financed $50,518, including $2,972 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,883. 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"}, {"offer_id": "of_JF2BURJD6TY564889_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 837, "unit": "per_month", "display": "$837/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47546.0, "price_incl_doc": 47546.0, "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": 836.98, "amount_financed": 50517.63, "sales_tax": 2971.63, "total_of_payments": 60262.89, "finance_charge": 9745.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260585, VIN JF2BURJD6TY564889. $837 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,546, before any dealer documentation fee. Amount financed $50,518, including $2,972 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,263. 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_JF2BURJD6TY564889_finance_84", "type": "finance_84", "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": 47546.0, "price_incl_doc": 47546.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.91, "amount_financed": 50517.63, "sales_tax": 2971.63, "total_of_payments": 62992.76, "finance_charge": 12475.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260585, VIN JF2BURJD6TY564889. $750 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,546, before any dealer documentation fee. Amount financed $50,518, including $2,972 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,993. 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_JF2BURJD6TY564889_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50916.0, "selling_price": 47546.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 616.17, "net_cap_cost": 48141.0, "residual_value": 31567.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 616.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 776.17}, "total_of_payments": 22176, "total_of_payments_unrounded": 22182.12}, "disclosure": "Estimated lease payment for stock #MS260585, VIN JF2BURJD6TY564889. $616 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $776, made up of $616 first payment, $60 title, $100 registration. MSRP $50,916. Lease selling price $47,546. Net capitalized cost $48,141. Residual value $31,568, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,176. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD6TY564889_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50916.0, "selling_price": 47546.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 522.88, "net_cap_cost": 45142.0, "residual_value": 31567.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3681.88}, "total_of_payments": 18828, "total_of_payments_unrounded": 18823.68}, "disclosure": "Estimated lease payment for stock #MS260585, VIN JF2BURJD6TY564889. $523 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,682, made up of $523 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,916. Lease selling price $47,546. Net capitalized cost $45,142. Residual value $31,568, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,828. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 336}}, {"vin": "JF2GUSND0T8273991", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 38734.0, "msrp": 38734.0, "sale_price": 38734.0, "currency": "USD", "mileage": null, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8273991", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8273991_22.jpg"], "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": 38734.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSND0T8273991.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8273991/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8273991/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND0T8273991.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND0T8273991.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND0T8273991.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8273991/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8273991, VIN JF2GUSND0T8273991. Advertised price: $38,734. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$38,734"}], "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38734.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND0T8273991_finance_60", "type": "finance_60", "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": 38734.0, "price_incl_doc": 38734.0, "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": 785.92, "amount_financed": 41154.88, "sales_tax": 2420.88, "total_of_payments": 47154.97, "finance_charge": 6000.09, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8273991, VIN JF2GUSND0T8273991. $786 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,734, before any dealer documentation fee. Amount financed $41,155, including $2,421 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,155. 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"}, {"offer_id": "of_JF2GUSND0T8273991_finance_72", "type": "finance_72", "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": 38734.0, "price_incl_doc": 38734.0, "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": 681.86, "amount_financed": 41154.88, "sales_tax": 2420.88, "total_of_payments": 49093.99, "finance_charge": 7939.11, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8273991, VIN JF2GUSND0T8273991. $682 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,734, before any dealer documentation fee. Amount financed $41,155, including $2,421 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,094. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8273991_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 611, "unit": "per_month", "display": "$611/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38734.0, "price_incl_doc": 38734.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 610.93, "amount_financed": 41154.88, "sales_tax": 2420.88, "total_of_payments": 51317.91, "finance_charge": 10163.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8273991, VIN JF2GUSND0T8273991. $611 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,734, before any dealer documentation fee. Amount financed $41,155, including $2,421 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,318. 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_JF2GUSND0T8273991_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38734.0, "selling_price": 38734.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 552.93, "net_cap_cost": 39329.0, "residual_value": 24015.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 712.93}, "total_of_payments": 19908, "total_of_payments_unrounded": 19905.48}, "disclosure": "Estimated lease payment for stock #T8273991, VIN JF2GUSND0T8273991. $553 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $713, made up of $553 first payment, $60 title, $100 registration. MSRP $38,734. Lease selling price $38,734. Net capitalized cost $39,329. Residual value $24,015, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,908. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8273991_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38734.0, "selling_price": 38734.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 459.64, "net_cap_cost": 36330.0, "residual_value": 24015.08, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 459.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3618.64}, "total_of_payments": 16560, "total_of_payments_unrounded": 16547.04}, "disclosure": "Estimated lease payment for stock #T8273991, VIN JF2GUSND0T8273991. $460 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,619, made up of $460 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,734. Lease selling price $38,734. Net capitalized cost $36,330. Residual value $24,015, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,560. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 371}}, {"vin": "JF1VBAH60T9808028", "title": "2026 Subaru WRX Premium", "year": 2026, "make": "Subaru", "model": "WRX", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 35724.0, "msrp": 35724.0, "sale_price": 35724.0, "currency": "USD", "mileage": 8, "exterior_color": "WR Blue Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": 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"engine_displacement_l": 2.4, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35724.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF1VBAH60T9808028.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbah60t9808028/2026-subaru-wrx-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbah60t9808028/2026-subaru-wrx-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF1VBAH60T9808028.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF1VBAH60T9808028.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF1VBAH60T9808028.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbah60t9808028/2026-subaru-wrx-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260510, VIN JF1VBAH60T9808028. Advertised price: $35,724. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$35,724"}], "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35724.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1VBAH60T9808028_finance_60", "type": "finance_60", "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": 35724.0, "price_incl_doc": 35724.0, "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": 724.84, "amount_financed": 37956.75, "sales_tax": 2232.75, "total_of_payments": 43490.57, "finance_charge": 5533.82, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260510, VIN JF1VBAH60T9808028. $725 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,724, before any dealer documentation fee. Amount financed $37,957, including $2,233 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,491. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH60T9808028_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": 35724.0, "price_incl_doc": 35724.0, "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": 628.87, "amount_financed": 37956.75, "sales_tax": 2232.75, "total_of_payments": 45278.91, "finance_charge": 7322.16, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260510, VIN JF1VBAH60T9808028. $629 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,724, before any dealer documentation fee. Amount financed $37,957, including $2,233 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,279. 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_JF1VBAH60T9808028_finance_84", "type": "finance_84", "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": 35724.0, "price_incl_doc": 35724.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 563.45, "amount_financed": 37956.75, "sales_tax": 2232.75, "total_of_payments": 47330.02, "finance_charge": 9373.27, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260510, VIN JF1VBAH60T9808028. $563 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,724, before any dealer documentation fee. Amount financed $37,957, including $2,233 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,330. 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_JF1VBAH60T9808028_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35724.0, "selling_price": 35724.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 511.4, "net_cap_cost": 36319.0, "residual_value": 22148.88, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 511.4, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 671.4}, "total_of_payments": 18396, "total_of_payments_unrounded": 18410.4}, "disclosure": "Estimated lease payment for stock #MS260510, VIN JF1VBAH60T9808028. $511 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $671, made up of $511 first payment, $60 title, $100 registration. MSRP $35,724. Lease selling price $35,724. Net capitalized cost $36,319. Residual value $22,149, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,396. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH60T9808028_lease", "type": "lease", "label": "Lease", "headline": {"value": 418, "unit": "per_month", "display": "$418/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35724.0, "selling_price": 35724.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 418.11, "net_cap_cost": 33320.0, "residual_value": 22148.88, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 418.11, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3577.11}, "total_of_payments": 15048, "total_of_payments_unrounded": 15051.96}, "disclosure": "Estimated lease payment for stock #MS260510, VIN JF1VBAH60T9808028. $418 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,577, made up of $418 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,724. Lease selling price $35,724. Net capitalized cost $33,320. Residual value $22,149, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,048. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 377}}, {"vin": "4S4SLDT60T3128549", "title": "2026 Subaru Forester Touring", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Touring", "decoded_trim": "Touring", "condition": "new", "price": 42675.0, "msrp": 42675.0, "sale_price": 42675.0, "currency": "USD", "mileage": null, "exterior_color": "Crystal Black Silica", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T3128549", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_1.jpg", "images": ["https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_1.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_2.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_4.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_5.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_6.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_7.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_8.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_9.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_10.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_11.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_12.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_13.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_14.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_15.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_16.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_17.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_18.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_19.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_20.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_21.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_22.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/4S4SLDT60T3128549_23.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "year": 2026, "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42675.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDT60T3128549.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldt60t3128549/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldt60t3128549/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDT60T3128549.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDT60T3128549.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDT60T3128549.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldt60t3128549/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T3128549, VIN 4S4SLDT60T3128549. Advertised price: $42,675. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$42,675"}], "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42675.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDT60T3128549_finance_60", "type": "finance_60", "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": 42675.0, "price_incl_doc": 42675.0, "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": 865.88, "amount_financed": 45342.19, "sales_tax": 2667.19, "total_of_payments": 51952.76, "finance_charge": 6610.57, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3128549, VIN 4S4SLDT60T3128549. $866 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,675, before any dealer documentation fee. Amount financed $45,342, including $2,667 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,953. 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_4S4SLDT60T3128549_finance_72", "type": "finance_72", "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": 42675.0, "price_incl_doc": 42675.0, "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": 751.24, "amount_financed": 45342.19, "sales_tax": 2667.19, "total_of_payments": 54089.07, "finance_charge": 8746.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3128549, VIN 4S4SLDT60T3128549. $751 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,675, before any dealer documentation fee. Amount financed $45,342, including $2,667 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,089. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDT60T3128549_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 673, "unit": "per_month", "display": "$673/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42675.0, "price_incl_doc": 42675.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 673.09, "amount_financed": 45342.19, "sales_tax": 2667.19, "total_of_payments": 56539.26, "finance_charge": 11197.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T3128549, VIN 4S4SLDT60T3128549. $673 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,675, before any dealer documentation fee. Amount financed $45,342, including $2,667 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,539. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDT60T3128549_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 607, "unit": "per_month", "display": "$607/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42675.0, "selling_price": 42675.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 607.3, "net_cap_cost": 43270.0, "residual_value": 26458.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 607.3, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 767.3}, "total_of_payments": 21852, "total_of_payments_unrounded": 21862.8}, "disclosure": "Estimated lease payment for stock #T3128549, VIN 4S4SLDT60T3128549. $607 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $767, made up of $607 first payment, $60 title, $100 registration. MSRP $42,675. Lease selling price $42,675. Net capitalized cost $43,270. Residual value $26,458, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,852. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDT60T3128549_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42675.0, "selling_price": 42675.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 514.01, "net_cap_cost": 40271.0, "residual_value": 26458.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 514.01, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3673.01}, "total_of_payments": 18504, "total_of_payments_unrounded": 18504.36}, "disclosure": "Estimated lease payment for stock #T3128549, VIN 4S4SLDT60T3128549. $514 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,673, made up of $514 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,675. Lease selling price $42,675. Net capitalized cost $40,271. Residual value $26,458, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,504. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"price_history": [], "window_sticker": {"msrp": 44519.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPDD4TY522401.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd4ty522401/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd4ty522401/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPDD4TY522401.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD4TY522401.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD4TY522401.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupdd4ty522401/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,753. This offer applies to Stock #MS260368, VIN JF2BUPDD4TY522401. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $44,519. Advertised price: $41,766. Savings: $2,753, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$44,519"}, {"label": "Advertised price", "value": "$41,766"}, {"label": "Savings", "value": "$2,753, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,753", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41766.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPDD4TY522401_finance_60", "type": "finance_60", "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": 41766.0, "price_incl_doc": 41766.0, "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": 847.44, "amount_financed": 44376.38, "sales_tax": 2610.38, "total_of_payments": 50846.14, "finance_charge": 6469.76, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260368, VIN JF2BUPDD4TY522401. $847 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,766, before any dealer documentation fee. Amount financed $44,376, including $2,610 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,846. 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"}, {"offer_id": "of_JF2BUPDD4TY522401_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 735, "unit": "per_month", "display": "$735/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41766.0, "price_incl_doc": 41766.0, "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": 735.24, "amount_financed": 44376.38, "sales_tax": 2610.38, "total_of_payments": 52936.94, "finance_charge": 8560.56, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260368, VIN JF2BUPDD4TY522401. $735 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,766, before any dealer documentation fee. Amount financed $44,376, including $2,610 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,937. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD4TY522401_finance_84", "type": "finance_84", "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": 41766.0, "price_incl_doc": 41766.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 658.75, "amount_financed": 44376.38, "sales_tax": 2610.38, "total_of_payments": 55334.95, "finance_charge": 10958.57, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260368, VIN JF2BUPDD4TY522401. $659 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,766, before any dealer documentation fee. Amount financed $44,376, including $2,610 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,335. 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_JF2BUPDD4TY522401_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44519.0, "selling_price": 41766.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 547.11, "net_cap_cost": 42361.0, "residual_value": 27601.78, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 547.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 707.11}, "total_of_payments": 19692, "total_of_payments_unrounded": 19695.96}, "disclosure": "Estimated lease payment for stock #MS260368, VIN JF2BUPDD4TY522401. $547 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $707, made up of $547 first payment, $60 title, $100 registration. MSRP $44,519. Lease selling price $41,766. Net capitalized cost $42,361. Residual value $27,602, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,692. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPDD4TY522401_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44519.0, "selling_price": 41766.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 453.81, "net_cap_cost": 39362.0, "residual_value": 27601.78, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 453.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3612.81}, "total_of_payments": 16344, "total_of_payments_unrounded": 16337.16}, "disclosure": "Estimated lease payment for stock #MS260368, VIN JF2BUPDD4TY522401. $454 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,613, made up of $454 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $44,519. Lease selling price $41,766. Net capitalized cost $39,362. Residual value $27,602, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,344. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 376}}, {"vin": "4S4SLDB60T3144204", "title": "2026 Subaru Forester Premium", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Premium", "decoded_trim": "Premium Base", "condition": "new", "price": 32829.0, "msrp": 34668.0, "sale_price": 32829.0, "currency": "USD", "mileage": 5, "exterior_color": "Daybreak Blue Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260602", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDB60T3144204_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "year": 2026, "trim": "Premium Base", "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": 34668.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDB60T3144204.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldb60t3144204/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldb60t3144204/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDB60T3144204.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDB60T3144204.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDB60T3144204.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldb60t3144204/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,839. This offer applies to Stock #MS260602, VIN 4S4SLDB60T3144204. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,668. Advertised price: $32,829. Savings: $1,839, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$34,668"}, {"label": "Advertised price", "value": "$32,829"}, {"label": "Savings", "value": "$1,839, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,839", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32829.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDB60T3144204_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 666, "unit": "per_month", "display": "$666/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32829.0, "price_incl_doc": 32829.0, "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": 666.1, "amount_financed": 34880.81, "sales_tax": 2051.81, "total_of_payments": 39966.18, "finance_charge": 5085.37, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260602, VIN 4S4SLDB60T3144204. $666 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,829, before any dealer documentation fee. Amount financed $34,881, including $2,052 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,966. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDB60T3144204_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": 32829.0, "price_incl_doc": 32829.0, "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": 577.91, "amount_financed": 34880.81, "sales_tax": 2051.81, "total_of_payments": 41609.6, "finance_charge": 6728.79, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260602, VIN 4S4SLDB60T3144204. $578 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,829, before any dealer documentation fee. Amount financed $34,881, including $2,052 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,610. 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_4S4SLDB60T3144204_finance_84", "type": "finance_84", "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": 32829.0, "price_incl_doc": 32829.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 517.79, "amount_financed": 34880.81, "sales_tax": 2051.81, "total_of_payments": 43494.49, "finance_charge": 8613.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260602, VIN 4S4SLDB60T3144204. $518 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,829, before any dealer documentation fee. Amount financed $34,881, including $2,052 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,494. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDB60T3144204_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34668.0, "selling_price": 32829.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 439.62, "net_cap_cost": 33424.0, "residual_value": 21494.16, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 599.62}, "total_of_payments": 15840, "total_of_payments_unrounded": 15826.32}, "disclosure": "Estimated lease payment for stock #MS260602, VIN 4S4SLDB60T3144204. $440 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $600, made up of $440 first payment, $60 title, $100 registration. MSRP $34,668. Lease selling price $32,829. Net capitalized cost $33,424. Residual value $21,494, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,840. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDB60T3144204_lease", "type": "lease", "label": "Lease", "headline": {"value": 346, "unit": "per_month", "display": "$346/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34668.0, "selling_price": 32829.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 346.33, "net_cap_cost": 30425.0, "residual_value": 21494.16, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 346.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3505.33}, "total_of_payments": 12456, "total_of_payments_unrounded": 12467.88}, "disclosure": "Estimated lease payment for stock #MS260602, VIN 4S4SLDB60T3144204. $346 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,505, made up of $346 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,668. Lease selling price $32,829. Net capitalized cost $30,425. Residual value $21,494, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,456. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 325}}, {"vin": "JF1VBAH66T9809281", "title": "2026 Subaru WRX Premium", "year": 2026, "make": "Subaru", "model": "WRX", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 35346.0, "msrp": 35346.0, "sale_price": 35346.0, "currency": "USD", "mileage": 7, "exterior_color": "WR Blue Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Premium Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "6-Speed Manual w/OD", "mpg_city": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "MS260539", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 32, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/a814f493a10349ba8d26ff5f5d377465.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/a814f493a10349ba8d26ff5f5d377465.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2b683174e9b54d19be159ea74e763189.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/997a35c71b554443a6a780739f059194.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c4681a5c585e47e9b5930bb7e14a0504.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/78f6d1bbe8ee491f8e6d097e7d036ece.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/355599ec96f448278fd0f370dc88097f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c68eddab9423443ba970ac0f9a5926f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d5c8ed17fed54dff9445cbea377b1efa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8db23b1a6436487baa6641592e0805cd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5dffbf6873fb4d7cb0178058571b1097.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/85c032f7a5b043338a38dae7e1d6b9c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b12c3a93ce624b2b97c41d70f9cc7842.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b7ef861c35ac4dd39e33f8ee29bc3d0f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4e5982e7b9684f64a3ca535e221632c8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/497c77b85b094b6597114d5c7bb81f70.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/613a082c33d04db382e713f9bc57db7d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f6e324f9f3ad47afbf72cf2a688d0ee6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e2bb430507f74692be10fd3ff8ce8026.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/86ae8011cd9a42738a2c8512aa474474.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f75f51eda03145a2acc3d059534cad55.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0fb4b72a503c4a66adf9b593c7758314.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e67679d8cf9842e5a9b6cdc2400b7d37.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ece3c01973b04a28b8942b733dc60987.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6459129809514a3ba62357e57e526ae4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8034f92d2f364da3b9d3191091effbc6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f1a4ce2af0914f4d8e6c2bf6bd908965.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a6482aafc44f4f7fb71a567c9b31260e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e89473e1a3ec405a8041ede51903360a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/89ff411b287e453eb09864f57d7ad48b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/265a29732c6e45a68a0206de126fd6d0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b114a47aacc6426ba72818361a0c13ed.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6f6fe7a8a9414772a9ab587d01e37da0.jpg"], "vin_decode": {"make": "Subaru", "model": "WRX", "year": 2026, "trim": "Premium", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "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": 35346.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF1VBAH66T9809281.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbah66t9809281/2026-subaru-wrx-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbah66t9809281/2026-subaru-wrx-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF1VBAH66T9809281.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF1VBAH66T9809281.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF1VBAH66T9809281.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbah66t9809281/2026-subaru-wrx-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260539, VIN JF1VBAH66T9809281. Advertised price: $35,346. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$35,346"}], "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35346.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1VBAH66T9809281_finance_60", "type": "finance_60", "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": 35346.0, "price_incl_doc": 35346.0, "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": 717.17, "amount_financed": 37555.13, "sales_tax": 2209.13, "total_of_payments": 43030.4, "finance_charge": 5475.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260539, VIN JF1VBAH66T9809281. $717 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,346, before any dealer documentation fee. Amount financed $37,555, including $2,209 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,030. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH66T9809281_finance_72", "type": "finance_72", "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": 35346.0, "price_incl_doc": 35346.0, "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": 622.22, "amount_financed": 37555.13, "sales_tax": 2209.13, "total_of_payments": 44799.82, "finance_charge": 7244.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260539, VIN JF1VBAH66T9809281. $622 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,346, before any dealer documentation fee. Amount financed $37,555, including $2,209 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,800. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH66T9809281_finance_84", "type": "finance_84", "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": 35346.0, "price_incl_doc": 35346.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 557.49, "amount_financed": 37555.13, "sales_tax": 2209.13, "total_of_payments": 46829.22, "finance_charge": 9274.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260539, VIN JF1VBAH66T9809281. $557 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,346, before any dealer documentation fee. Amount financed $37,555, including $2,209 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,829. 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_JF1VBAH66T9809281_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 506, "unit": "per_month", "display": "$506/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35346.0, "selling_price": 35346.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 506.18, "net_cap_cost": 35941.0, "residual_value": 21914.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 506.18, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 666.18}, "total_of_payments": 18216, "total_of_payments_unrounded": 18222.48}, "disclosure": "Estimated lease payment for stock #MS260539, VIN JF1VBAH66T9809281. $506 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $666, made up of $506 first payment, $60 title, $100 registration. MSRP $35,346. Lease selling price $35,346. Net capitalized cost $35,941. Residual value $21,915, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,216. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAH66T9809281_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35346.0, "selling_price": 35346.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 412.89, "net_cap_cost": 32942.0, "residual_value": 21914.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 412.89, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3571.89}, "total_of_payments": 14868, "total_of_payments_unrounded": 14864.04}, "disclosure": "Estimated lease payment for stock #MS260539, VIN JF1VBAH66T9809281. $413 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,572, made up of $413 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,346. Lease selling price $35,346. Net capitalized cost $32,942. Residual value $21,915, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,868. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 338}}, {"vin": "4S4SLDL61T3078096", "title": "2026 Subaru Forester Wilderness", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 38891.0, "msrp": 41294.0, "sale_price": 38891.0, "currency": "USD", "mileage": 3, "exterior_color": "GEYSER BLUE", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": 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"short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldl61t3078096/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDL61T3078096.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDL61T3078096.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDL61T3078096.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldl61t3078096/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,403. This offer applies to Stock #MS260264, VIN 4S4SLDL61T3078096. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $41,294. Advertised price: $38,891. Savings: $2,403, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$41,294"}, {"label": "Advertised price", "value": "$38,891"}, {"label": "Savings", "value": "$2,403, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,403", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38891.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDL61T3078096_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": 38891.0, "price_incl_doc": 38891.0, "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": 789.1, "amount_financed": 41321.69, "sales_tax": 2430.69, "total_of_payments": 47346.1, "finance_charge": 6024.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260264, VIN 4S4SLDL61T3078096. $789 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,891, before any dealer documentation fee. Amount financed $41,322, including $2,431 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,346. 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_4S4SLDL61T3078096_finance_72", "type": "finance_72", "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": 38891.0, "price_incl_doc": 38891.0, "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": 684.62, "amount_financed": 41321.69, "sales_tax": 2430.69, "total_of_payments": 49292.98, "finance_charge": 7971.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260264, VIN 4S4SLDL61T3078096. $685 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,891, before any dealer documentation fee. Amount financed $41,322, including $2,431 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,293. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL61T3078096_finance_84", "type": "finance_84", "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": 38891.0, "price_incl_doc": 38891.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 613.4, "amount_financed": 41321.69, "sales_tax": 2430.69, "total_of_payments": 51525.92, "finance_charge": 10204.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260264, VIN 4S4SLDL61T3078096. $613 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,891, before any dealer documentation fee. Amount financed $41,322, including $2,431 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,526. 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_4S4SLDL61T3078096_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41294.0, "selling_price": 38891.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 513.5, "net_cap_cost": 39486.0, "residual_value": 25602.28, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 513.5, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 673.5}, "total_of_payments": 18504, "total_of_payments_unrounded": 18486.0}, "disclosure": "Estimated lease payment for stock #MS260264, VIN 4S4SLDL61T3078096. $514 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $674, made up of $514 first payment, $60 title, $100 registration. MSRP $41,294. Lease selling price $38,891. Net capitalized cost $39,486. Residual value $25,602, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,504. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL61T3078096_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41294.0, "selling_price": 38891.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 420.21, "net_cap_cost": 36487.0, "residual_value": 25602.28, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 420.21, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3579.21}, "total_of_payments": 15120, "total_of_payments_unrounded": 15127.56}, "disclosure": "Estimated lease payment for stock #MS260264, VIN 4S4SLDL61T3078096. $420 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,579, made up of $420 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,294. Lease selling price $38,891. Net capitalized cost $36,487. Residual value $25,602, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,120. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 365}}, {"vin": "JF2GUSND2T8267514", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 37319.0, "msrp": 39476.0, "sale_price": 37319.0, "currency": "USD", "mileage": 13, "exterior_color": "Citron Yellow Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "Gas/Electric H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 36, "mpg_hwy": 36, "range_miles": null, "battery_kwh": null, "stock_number": "MS260521", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd2t8267514/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND2T8267514.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND2T8267514.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND2T8267514.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd2t8267514/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,157. This offer applies to Stock #MS260521, VIN JF2GUSND2T8267514. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,476. Advertised price: $37,319. Savings: $2,157, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,476"}, {"label": "Advertised price", "value": "$37,319"}, {"label": "Savings", "value": "$2,157, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,157", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37319.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND2T8267514_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 757, "unit": "per_month", "display": "$757/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37319.0, "price_incl_doc": 37319.0, "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": 757.21, "amount_financed": 39651.44, "sales_tax": 2332.44, "total_of_payments": 45432.33, "finance_charge": 5780.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260521, VIN JF2GUSND2T8267514. $757 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,319, before any dealer documentation fee. Amount financed $39,651, including $2,332 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,432. 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"}, {"offer_id": "of_JF2GUSND2T8267514_finance_72", "type": "finance_72", "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": 37319.0, "price_incl_doc": 37319.0, "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": 656.95, "amount_financed": 39651.44, "sales_tax": 2332.44, "total_of_payments": 47300.52, "finance_charge": 7649.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260521, VIN JF2GUSND2T8267514. $657 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,319, before any dealer documentation fee. Amount financed $39,651, including $2,332 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,301. 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_JF2GUSND2T8267514_finance_84", "type": "finance_84", "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": 37319.0, "price_incl_doc": 37319.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.61, "amount_financed": 39651.44, "sales_tax": 2332.44, "total_of_payments": 49443.21, "finance_charge": 9791.77, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260521, VIN JF2GUSND2T8267514. $589 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,319, before any dealer documentation fee. Amount financed $39,651, including $2,332 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,443. 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_JF2GUSND2T8267514_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39476.0, "selling_price": 37319.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 496.07, "net_cap_cost": 37914.0, "residual_value": 24475.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 496.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 656.07}, "total_of_payments": 17856, "total_of_payments_unrounded": 17858.52}, "disclosure": "Estimated lease payment for stock #MS260521, VIN JF2GUSND2T8267514. $496 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $656, made up of $496 first payment, $60 title, $100 registration. MSRP $39,476. Lease selling price $37,319. Net capitalized cost $37,914. Residual value $24,475, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,856. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND2T8267514_lease", "type": "lease", "label": "Lease", "headline": {"value": 403, "unit": "per_month", "display": "$403/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39476.0, "selling_price": 37319.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 402.77, "net_cap_cost": 34915.0, "residual_value": 24475.12, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 402.77, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3561.77}, "total_of_payments": 14508, "total_of_payments_unrounded": 14499.72}, "disclosure": "Estimated lease payment for stock #MS260521, VIN JF2GUSND2T8267514. $403 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,562, made up of $403 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,476. Lease selling price $37,319. Net capitalized cost $34,915. Residual value $24,475, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,508. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 348}}, {"vin": "4S4SLDL61T3132982", "title": "2026 Subaru Forester Wilderness", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 39109.0, "msrp": 41650.0, "sale_price": 39109.0, "currency": "USD", "mileage": 7, "exterior_color": "CRYSTAL WHITE PEARL", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 24, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "MS260525", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"offers": [], "price_history": [], "window_sticker": {"msrp": 41650.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDL61T3132982.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldl61t3132982/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldl61t3132982/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDL61T3132982.html", "json_url": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,541. This offer applies to Stock #MS260525, VIN 4S4SLDL61T3132982. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $41,650. Advertised price: $39,109. Savings: $2,541, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$41,650"}, {"label": "Advertised price", "value": "$39,109"}, {"label": "Savings", "value": "$2,541, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,541", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39109.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDL61T3132982_finance_60", "type": "finance_60", "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": 39109.0, "price_incl_doc": 39109.0, "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": 793.52, "amount_financed": 41553.31, "sales_tax": 2444.31, "total_of_payments": 47611.48, "finance_charge": 6058.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260525, VIN 4S4SLDL61T3132982. $794 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,109, before any dealer documentation fee. Amount financed $41,553, including $2,444 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,611. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL61T3132982_finance_72", "type": "finance_72", "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": 39109.0, "price_incl_doc": 39109.0, "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": 688.46, "amount_financed": 41553.31, "sales_tax": 2444.31, "total_of_payments": 49569.28, "finance_charge": 8015.97, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260525, VIN 4S4SLDL61T3132982. $688 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,109, before any dealer documentation fee. Amount financed $41,553, including $2,444 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,569. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL61T3132982_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 617, "unit": "per_month", "display": "$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": 39109.0, "price_incl_doc": 39109.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 616.84, "amount_financed": 41553.31, "sales_tax": 2444.31, "total_of_payments": 51814.74, "finance_charge": 10261.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260525, VIN 4S4SLDL61T3132982. $617 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,109, before any dealer documentation fee. Amount financed $41,553, including $2,444 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,815. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL61T3132982_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41650.0, "selling_price": 39109.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 514.12, "net_cap_cost": 39704.0, "residual_value": 25823.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 514.12, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 674.12}, "total_of_payments": 18504, "total_of_payments_unrounded": 18508.32}, "disclosure": "Estimated lease payment for stock #MS260525, VIN 4S4SLDL61T3132982. $514 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $674, made up of $514 first payment, $60 title, $100 registration. MSRP $41,650. Lease selling price $39,109. Net capitalized cost $39,704. Residual value $25,823, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,504. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL61T3132982_lease", "type": "lease", "label": "Lease", "headline": {"value": 421, "unit": "per_month", "display": "$421/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41650.0, "selling_price": 39109.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 420.82, "net_cap_cost": 36705.0, "residual_value": 25823.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 420.82, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3579.82}, "total_of_payments": 15156, "total_of_payments_unrounded": 15149.52}, "disclosure": "Estimated lease payment for stock #MS260525, VIN 4S4SLDL61T3132982. $421 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,580, made up of $421 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,650. Lease selling price $39,109. Net capitalized cost $36,705. Residual value $25,823, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,156. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 332}}, {"vin": "4S4SLDR60T3145343", "title": "2026 Subaru Forester Limited", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Limited", "decoded_trim": "Limited", "condition": "new", "price": 37636.0, "msrp": 40297.0, "sale_price": 37636.0, "currency": "USD", "mileage": 5, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260598", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDR60T3145343_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 40297.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDR60T3145343.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldr60t3145343/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldr60t3145343/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDR60T3145343.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDR60T3145343.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDR60T3145343.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldr60t3145343/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,661. This offer applies to Stock #MS260598, VIN 4S4SLDR60T3145343. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $40,297. Advertised price: $37,636. Savings: $2,661, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$40,297"}, {"label": "Advertised price", "value": "$37,636"}, {"label": "Savings", "value": "$2,661, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,661", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37636.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDR60T3145343_finance_60", "type": "finance_60", "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": 37636.0, "price_incl_doc": 37636.0, "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": 763.64, "amount_financed": 39988.25, "sales_tax": 2352.25, "total_of_payments": 45818.25, "finance_charge": 5830.0, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260598, VIN 4S4SLDR60T3145343. $764 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,636, before any dealer documentation fee. Amount financed $39,988, including $2,352 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,818. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDR60T3145343_finance_72", "type": "finance_72", "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": 37636.0, "price_incl_doc": 37636.0, "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": 662.53, "amount_financed": 39988.25, "sales_tax": 2352.25, "total_of_payments": 47702.31, "finance_charge": 7714.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260598, VIN 4S4SLDR60T3145343. $663 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,636, before any dealer documentation fee. Amount financed $39,988, including $2,352 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,702. 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_4S4SLDR60T3145343_finance_84", "type": "finance_84", "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": 37636.0, "price_incl_doc": 37636.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.61, "amount_financed": 39988.25, "sales_tax": 2352.25, "total_of_payments": 49863.19, "finance_charge": 9874.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260598, VIN 4S4SLDR60T3145343. $594 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,636, before any dealer documentation fee. Amount financed $39,988, including $2,352 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,863. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDR60T3145343_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40297.0, "selling_price": 37636.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 491.72, "net_cap_cost": 38231.0, "residual_value": 24984.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 491.72, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 651.72}, "total_of_payments": 17712, "total_of_payments_unrounded": 17701.92}, "disclosure": "Estimated lease payment for stock #MS260598, VIN 4S4SLDR60T3145343. $492 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $652, made up of $492 first payment, $60 title, $100 registration. MSRP $40,297. Lease selling price $37,636. Net capitalized cost $38,231. Residual value $24,984, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,712. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDR60T3145343_lease", "type": "lease", "label": "Lease", "headline": {"value": 398, "unit": "per_month", "display": "$398/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40297.0, "selling_price": 37636.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 398.42, "net_cap_cost": 35232.0, "residual_value": 24984.14, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.42, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3557.42}, "total_of_payments": 14328, "total_of_payments_unrounded": 14343.12}, "disclosure": "Estimated lease payment for stock #MS260598, VIN 4S4SLDR60T3145343. $398 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,557, made up of $398 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,297. Lease selling price $37,636. Net capitalized cost $35,232. Residual value $24,984, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,328. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 332}}, {"vin": "JF2BURGD0TY484298", "title": "2026 Subaru Outback Limited XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Limited XT", "decoded_trim": "Limited", "condition": "new", "price": 44204.0, "msrp": 47193.0, "sale_price": 44204.0, "currency": "USD", "mileage": 9, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260167", "stock_status": "Available", "availability": "In Stock", 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"price_history": [], "window_sticker": {"msrp": 47193.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURGD0TY484298.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burgd0ty484298/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burgd0ty484298/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURGD0TY484298.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURGD0TY484298.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURGD0TY484298.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burgd0ty484298/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,989. This offer applies to Stock #MS260167, VIN JF2BURGD0TY484298. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $47,193. Advertised price: $44,204. Savings: $2,989, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$47,193"}, {"label": "Advertised price", "value": "$44,204"}, {"label": "Savings", "value": "$2,989, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,989", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44204.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURGD0TY484298_finance_60", "type": "finance_60", "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": 44204.0, "price_incl_doc": 44204.0, "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": 896.9, "amount_financed": 46966.75, "sales_tax": 2762.75, "total_of_payments": 53814.16, "finance_charge": 6847.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260167, VIN JF2BURGD0TY484298. $897 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,204, before any dealer documentation fee. Amount financed $46,967, including $2,763 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,814. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGD0TY484298_finance_72", "type": "finance_72", "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": 44204.0, "price_incl_doc": 44204.0, "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": 778.15, "amount_financed": 46966.75, "sales_tax": 2762.75, "total_of_payments": 56027.02, "finance_charge": 9060.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260167, VIN JF2BURGD0TY484298. $778 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,204, before any dealer documentation fee. Amount financed $46,967, including $2,763 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,027. 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_JF2BURGD0TY484298_finance_84", "type": "finance_84", "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": 44204.0, "price_incl_doc": 44204.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 697.2, "amount_financed": 46966.75, "sales_tax": 2762.75, "total_of_payments": 58565.0, "finance_charge": 11598.25, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260167, VIN JF2BURGD0TY484298. $697 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,204, before any dealer documentation fee. Amount financed $46,967, including $2,763 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,565. 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_JF2BURGD0TY484298_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 577, "unit": "per_month", "display": "$577/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47193.0, "selling_price": 44204.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 576.66, "net_cap_cost": 44799.0, "residual_value": 29259.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 576.66, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 736.66}, "total_of_payments": 20772, "total_of_payments_unrounded": 20759.76}, "disclosure": "Estimated lease payment for stock #MS260167, VIN JF2BURGD0TY484298. $577 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $737, made up of $577 first payment, $60 title, $100 registration. MSRP $47,193. Lease selling price $44,204. Net capitalized cost $44,799. Residual value $29,260, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,772. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGD0TY484298_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47193.0, "selling_price": 44204.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 483.37, "net_cap_cost": 41800.0, "residual_value": 29259.66, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 483.37, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3642.37}, "total_of_payments": 17388, "total_of_payments_unrounded": 17401.32}, "disclosure": "Estimated lease payment for stock #MS260167, VIN JF2BURGD0TY484298. $483 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,642, made up of $483 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $47,193. Lease selling price $44,204. Net capitalized cost $41,800. Residual value $29,260, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,388. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 332}}, {"vin": "JF2BURGDXTY557256", "title": "2026 Subaru Outback Limited XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Limited XT", "decoded_trim": "Limited", "condition": "new", "price": 43955.0, "msrp": 46873.0, "sale_price": 43955.0, "currency": "USD", "mileage": 5, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260576", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURGDXTY557256_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "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": 46873.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURGDXTY557256.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burgdxty557256/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burgdxty557256/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURGDXTY557256.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURGDXTY557256.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURGDXTY557256.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burgdxty557256/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,918. This offer applies to Stock #MS260576, VIN JF2BURGDXTY557256. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $46,873. Advertised price: $43,955. Savings: $2,918, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$46,873"}, {"label": "Advertised price", "value": "$43,955"}, {"label": "Savings", "value": "$2,918, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,918", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43955.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURGDXTY557256_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 892, "unit": "per_month", "display": "$892/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43955.0, "price_incl_doc": 43955.0, "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": 891.85, "amount_financed": 46702.19, "sales_tax": 2747.19, "total_of_payments": 53511.03, "finance_charge": 6808.84, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260576, VIN JF2BURGDXTY557256. $892 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,955, before any dealer documentation fee. Amount financed $46,702, including $2,747 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,511. 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_JF2BURGDXTY557256_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 774, "unit": "per_month", "display": "$774/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43955.0, "price_incl_doc": 43955.0, "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": 773.77, "amount_financed": 46702.19, "sales_tax": 2747.19, "total_of_payments": 55711.42, "finance_charge": 9009.23, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260576, VIN JF2BURGDXTY557256. $774 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,955, before any dealer documentation fee. Amount financed $46,702, including $2,747 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,711. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGDXTY557256_finance_84", "type": "finance_84", "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": 43955.0, "price_incl_doc": 43955.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 693.28, "amount_financed": 46702.19, "sales_tax": 2747.19, "total_of_payments": 58235.11, "finance_charge": 11532.92, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260576, VIN JF2BURGDXTY557256. $693 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,955, before any dealer documentation fee. Amount financed $46,702, including $2,747 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,235. 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_JF2BURGDXTY557256_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46873.0, "selling_price": 43955.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 574.45, "net_cap_cost": 44550.0, "residual_value": 29061.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 574.45, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 734.45}, "total_of_payments": 20664, "total_of_payments_unrounded": 20680.2}, "disclosure": "Estimated lease payment for stock #MS260576, VIN JF2BURGDXTY557256. $574 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $734, made up of $574 first payment, $60 title, $100 registration. MSRP $46,873. Lease selling price $43,955. Net capitalized cost $44,550. Residual value $29,061, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,664. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURGDXTY557256_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46873.0, "selling_price": 43955.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 481.16, "net_cap_cost": 41551.0, "residual_value": 29061.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 481.16, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3640.16}, "total_of_payments": 17316, "total_of_payments_unrounded": 17321.76}, "disclosure": "Estimated lease payment for stock #MS260576, VIN JF2BURGDXTY557256. $481 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,640, made up of $481 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,873. Lease selling price $43,955. Net capitalized cost $41,551. Residual value $29,061, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,316. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 334}}, {"vin": "4S4GUHL60T3803598", "title": "2026 Subaru Crosstrek Limited", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited", "decoded_trim": "Limited", "condition": "new", "price": 33971.0, "msrp": 35930.0, "sale_price": 33971.0, "currency": "USD", "mileage": 5, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260603", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHL60T3803598_22.jpg"], "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": 35930.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHL60T3803598.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhl60t3803598/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhl60t3803598/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHL60T3803598.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHL60T3803598.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHL60T3803598.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhl60t3803598/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,959. This offer applies to Stock #MS260603, VIN 4S4GUHL60T3803598. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $35,930. Advertised price: $33,971. Savings: $1,959, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$35,930"}, {"label": "Advertised price", "value": "$33,971"}, {"label": "Savings", "value": "$1,959, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,959", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33971.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHL60T3803598_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": 33971.0, "price_incl_doc": 33971.0, "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": 689.27, "amount_financed": 36094.19, "sales_tax": 2123.19, "total_of_payments": 41356.46, "finance_charge": 5262.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260603, VIN 4S4GUHL60T3803598. $689 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,971, before any dealer documentation fee. Amount financed $36,094, including $2,123 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,356. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHL60T3803598_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": 33971.0, "price_incl_doc": 33971.0, "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": 598.01, "amount_financed": 36094.19, "sales_tax": 2123.19, "total_of_payments": 43057.05, "finance_charge": 6962.86, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260603, VIN 4S4GUHL60T3803598. $598 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,971, before any dealer documentation fee. Amount financed $36,094, including $2,123 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,057. 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_4S4GUHL60T3803598_finance_84", "type": "finance_84", "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": 33971.0, "price_incl_doc": 33971.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 535.8, "amount_financed": 36094.19, "sales_tax": 2123.19, "total_of_payments": 45007.51, "finance_charge": 8913.32, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260603, VIN 4S4GUHL60T3803598. $536 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,971, before any dealer documentation fee. Amount financed $36,094, including $2,123 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,008. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHL60T3803598_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35930.0, "selling_price": 33971.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 453.3, "net_cap_cost": 34566.0, "residual_value": 22276.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 453.3, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 613.3}, "total_of_payments": 16308, "total_of_payments_unrounded": 16318.8}, "disclosure": "Estimated lease payment for stock #MS260603, VIN 4S4GUHL60T3803598. $453 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $613, made up of $453 first payment, $60 title, $100 registration. MSRP $35,930. Lease selling price $33,971. Net capitalized cost $34,566. Residual value $22,277, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,308. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHL60T3803598_lease", "type": "lease", "label": "Lease", "headline": {"value": 360, "unit": "per_month", "display": "$360/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35930.0, "selling_price": 33971.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 360.01, "net_cap_cost": 31567.0, "residual_value": 22276.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 360.01, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3519.01}, "total_of_payments": 12960, "total_of_payments_unrounded": 12960.36}, "disclosure": "Estimated lease payment for stock #MS260603, VIN 4S4GUHL60T3803598. $360 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,519, made up of $360 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,930. Lease selling price $33,971. Net capitalized cost $31,567. Residual value $22,277, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,960. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 371}}, {"vin": "JTMBGAHC8TY006451", "title": "2026 Subaru Trailseeker Limited", "year": 2026, "make": "Subaru", "model": "Trailseeker", "trim": "Limited", "decoded_trim": "17 Series", "condition": "new", "price": 46172.0, "msrp": 46172.0, "sale_price": 46172.0, "currency": "USD", "mileage": 5, "exterior_color": "MAGNETITE GRAY METALLIC", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Electric", "doors": 4, "seating_capacity": null, "engine": "Electric", "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": "MS260572", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JTMBGAHC8TY006451_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Trailseeker", "year": 2026, "trim": "17 Series", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": null, "engine_displacement_l": null, "cylinders": null, "drive_type": "4WD", "fuel_type": "Electric", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 46172.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JTMBGAHC8TY006451.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jtmbgahc8ty006451/2026-subaru-trailseeker-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jtmbgahc8ty006451/2026-subaru-trailseeker-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JTMBGAHC8TY006451.html", "json_url": "https://ai.castlesubarumchenry.com/v/JTMBGAHC8TY006451.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JTMBGAHC8TY006451.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jtmbgahc8ty006451/2026-subaru-trailseeker-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260572, VIN JTMBGAHC8TY006451. Advertised price: $46,172. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$46,172"}], "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46172.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JTMBGAHC8TY006451_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 937, "unit": "per_month", "display": "$937/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46172.0, "price_incl_doc": 46172.0, "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": 936.83, "amount_financed": 49057.75, "sales_tax": 2885.75, "total_of_payments": 56210.02, "finance_charge": 7152.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260572, VIN JTMBGAHC8TY006451. $937 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,172, before any dealer documentation fee. Amount financed $49,058, including $2,886 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,210. 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"}, {"offer_id": "of_JTMBGAHC8TY006451_finance_72", "type": "finance_72", "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": 46172.0, "price_incl_doc": 46172.0, "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": 812.8, "amount_financed": 49057.75, "sales_tax": 2885.75, "total_of_payments": 58521.39, "finance_charge": 9463.64, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260572, VIN JTMBGAHC8TY006451. $813 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,172, before any dealer documentation fee. Amount financed $49,058, including $2,886 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,521. 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_JTMBGAHC8TY006451_finance_84", "type": "finance_84", "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": 46172.0, "price_incl_doc": 46172.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 728.24, "amount_financed": 49057.75, "sales_tax": 2885.75, "total_of_payments": 61172.37, "finance_charge": 12114.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260572, VIN JTMBGAHC8TY006451. $728 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,172, before any dealer documentation fee. Amount financed $49,058, including $2,886 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,172. 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"}, {"offer_id": "of_JTMBGAHC8TY006451_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46172.0, "selling_price": 46172.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 655.55, "net_cap_cost": 46767.0, "residual_value": 28626.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 655.55, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 815.55}, "total_of_payments": 23616, "total_of_payments_unrounded": 23599.8}, "disclosure": "Estimated lease payment for stock #MS260572, VIN JTMBGAHC8TY006451. $656 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $816, made up of $656 first payment, $60 title, $100 registration. MSRP $46,172. Lease selling price $46,172. Net capitalized cost $46,767. Residual value $28,627, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,616. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JTMBGAHC8TY006451_lease", "type": "lease", "label": "Lease", "headline": {"value": 562, "unit": "per_month", "display": "$562/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46172.0, "selling_price": 46172.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 562.26, "net_cap_cost": 43768.0, "residual_value": 28626.64, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 562.26, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3721.26}, "total_of_payments": 20232, "total_of_payments_unrounded": 20241.36}, "disclosure": "Estimated lease payment for stock #MS260572, VIN JTMBGAHC8TY006451. $562 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,721, made up of $562 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,172. Lease selling price $46,172. Net capitalized cost $43,768. Residual value $28,627, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,232. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbaz61t9809204/2026-subaru-wrx-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF1VBAZ61T9809204.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF1VBAZ61T9809204.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF1VBAZ61T9809204.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1vbaz61t9809204/2026-subaru-wrx-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260540, VIN JF1VBAZ61T9809204. Advertised price: $47,802. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$47,802"}], "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47802.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1VBAZ61T9809204_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 970, "unit": "per_month", "display": "$970/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47802.0, "price_incl_doc": 47802.0, "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": 969.91, "amount_financed": 50789.63, "sales_tax": 2987.63, "total_of_payments": 58194.39, "finance_charge": 7404.76, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260540, VIN JF1VBAZ61T9809204. $970 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,802, before any dealer documentation fee. Amount financed $50,790, including $2,988 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,194. 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_JF1VBAZ61T9809204_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 841, "unit": "per_month", "display": "$841/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47802.0, "price_incl_doc": 47802.0, "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": 841.49, "amount_financed": 50789.63, "sales_tax": 2987.63, "total_of_payments": 60587.36, "finance_charge": 9797.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260540, VIN JF1VBAZ61T9809204. $841 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,802, before any dealer documentation fee. Amount financed $50,790, including $2,988 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,587. 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_JF1VBAZ61T9809204_finance_84", "type": "finance_84", "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": 47802.0, "price_incl_doc": 47802.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 753.95, "amount_financed": 50789.63, "sales_tax": 2987.63, "total_of_payments": 63331.93, "finance_charge": 12542.3, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260540, VIN JF1VBAZ61T9809204. $754 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,802, before any dealer documentation fee. Amount financed $50,790, including $2,988 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,332. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAZ61T9809204_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47802.0, "selling_price": 47802.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 678.04, "net_cap_cost": 48397.0, "residual_value": 29637.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 678.04, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 838.04}, "total_of_payments": 24408, "total_of_payments_unrounded": 24409.44}, "disclosure": "Estimated lease payment for stock #MS260540, VIN JF1VBAZ61T9809204. $678 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $838, made up of $678 first payment, $60 title, $100 registration. MSRP $47,802. Lease selling price $47,802. Net capitalized cost $48,397. Residual value $29,637, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $24,408. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1VBAZ61T9809204_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 47802.0, "selling_price": 47802.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 584.75, "net_cap_cost": 45398.0, "residual_value": 29637.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 584.75, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3743.75}, "total_of_payments": 21060, "total_of_payments_unrounded": 21051.0}, "disclosure": "Estimated lease payment for stock #MS260540, VIN JF1VBAZ61T9809204. $585 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,744, made up of $585 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $47,802. Lease selling price $47,802. Net capitalized cost $45,398. Residual value $29,637, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,060. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 374}}, {"vin": "JF2GUSND8T8265010", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 36944.0, "msrp": 39081.0, "sale_price": 36944.0, "currency": "USD", "mileage": 12, "exterior_color": "Crystal White Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, 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"short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd8t8265010/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND8T8265010.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND8T8265010.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND8T8265010.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd8t8265010/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,137. This offer applies to Stock #MS260522, VIN JF2GUSND8T8265010. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,081. Advertised price: $36,944. Savings: $2,137, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,081"}, {"label": "Advertised price", "value": "$36,944"}, {"label": "Savings", "value": "$2,137, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,137", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36944.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND8T8265010_finance_60", "type": "finance_60", "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": 36944.0, "price_incl_doc": 36944.0, "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": 749.6, "amount_financed": 39253.0, "sales_tax": 2309.0, "total_of_payments": 44975.81, "finance_charge": 5722.81, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260522, VIN JF2GUSND8T8265010. $750 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,944, before any dealer documentation fee. Amount financed $39,253, including $2,309 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,976. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND8T8265010_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": 36944.0, "price_incl_doc": 36944.0, "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": 650.35, "amount_financed": 39253.0, "sales_tax": 2309.0, "total_of_payments": 46825.22, "finance_charge": 7572.22, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260522, VIN JF2GUSND8T8265010. $650 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,944, before any dealer documentation fee. Amount financed $39,253, including $2,309 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,825. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND8T8265010_finance_84", "type": "finance_84", "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": 36944.0, "price_incl_doc": 36944.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.69, "amount_financed": 39253.0, "sales_tax": 2309.0, "total_of_payments": 48946.37, "finance_charge": 9693.37, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260522, VIN JF2GUSND8T8265010. $583 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,944, before any dealer documentation fee. Amount financed $39,253, including $2,309 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,946. 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_JF2GUSND8T8265010_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 491, "unit": "per_month", "display": "$491/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39081.0, "selling_price": 36944.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 491.24, "net_cap_cost": 37539.0, "residual_value": 24230.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 491.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 651.24}, "total_of_payments": 17676, "total_of_payments_unrounded": 17684.64}, "disclosure": "Estimated lease payment for stock #MS260522, VIN JF2GUSND8T8265010. $491 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $651, made up of $491 first payment, $60 title, $100 registration. MSRP $39,081. Lease selling price $36,944. Net capitalized cost $37,539. Residual value $24,230, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,676. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND8T8265010_lease", "type": "lease", "label": "Lease", "headline": {"value": 398, "unit": "per_month", "display": "$398/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39081.0, "selling_price": 36944.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 397.95, "net_cap_cost": 34540.0, "residual_value": 24230.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 397.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3556.95}, "total_of_payments": 14328, "total_of_payments_unrounded": 14326.2}, "disclosure": "Estimated lease payment for stock #MS260522, VIN JF2GUSND8T8265010. $398 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,557, made up of $398 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,081. Lease selling price $36,944. Net capitalized cost $34,540. Residual value $24,230, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,328. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 377}}, {"vin": "JF2BUPBD5TY566040", "title": "2026 Subaru Outback Premium", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 37149.0, "msrp": 39536.0, "sale_price": 37149.0, "currency": "USD", "mileage": 5, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260587", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD5TY566040_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39536.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPBD5TY566040.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd5ty566040/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd5ty566040/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPBD5TY566040.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD5TY566040.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD5TY566040.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd5ty566040/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,387. This offer applies to Stock #MS260587, VIN JF2BUPBD5TY566040. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,536. Advertised price: $37,149. Savings: $2,387, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,536"}, {"label": "Advertised price", "value": "$37,149"}, {"label": "Savings", "value": "$2,387, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,387", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37149.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPBD5TY566040_finance_60", "type": "finance_60", "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": 37149.0, "price_incl_doc": 37149.0, "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": 753.76, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 45225.37, "finance_charge": 5754.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260587, VIN JF2BUPBD5TY566040. $754 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,225. 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_JF2BUPBD5TY566040_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": 37149.0, "price_incl_doc": 37149.0, "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": 653.96, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 47085.05, "finance_charge": 7614.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260587, VIN JF2BUPBD5TY566040. $654 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,085. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD5TY566040_finance_84", "type": "finance_84", "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": 37149.0, "price_incl_doc": 37149.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.93, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 49217.97, "finance_charge": 9747.16, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260587, VIN JF2BUPBD5TY566040. $586 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,218. 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_JF2BUPBD5TY566040_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 490, "unit": "per_month", "display": "$490/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39536.0, "selling_price": 37149.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 489.74, "net_cap_cost": 37744.0, "residual_value": 24512.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 489.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 649.74}, "total_of_payments": 17640, "total_of_payments_unrounded": 17630.64}, "disclosure": "Estimated lease payment for stock #MS260587, VIN JF2BUPBD5TY566040. $490 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $650, made up of $490 first payment, $60 title, $100 registration. MSRP $39,536. Lease selling price $37,149. Net capitalized cost $37,744. Residual value $24,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,640. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD5TY566040_lease", "type": "lease", "label": "Lease", "headline": {"value": 396, "unit": "per_month", "display": "$396/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39536.0, "selling_price": 37149.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 396.45, "net_cap_cost": 34745.0, "residual_value": 24512.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 396.45, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3555.45}, "total_of_payments": 14256, "total_of_payments_unrounded": 14272.2}, "disclosure": "Estimated lease payment for stock #MS260587, VIN JF2BUPBD5TY566040. $396 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,555, made up of $396 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,536. Lease selling price $37,149. Net capitalized cost $34,745. Residual value $24,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,256. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 376}}, {"vin": "4S4SLDD61T3144533", "title": "2026 Subaru Forester Premium", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 33505.0, "msrp": 35552.0, "sale_price": 33505.0, "currency": "USD", "mileage": 5, "exterior_color": "Crystal Black Silica", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260600", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDD61T3144533_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35552.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDD61T3144533.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldd61t3144533/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldd61t3144533/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDD61T3144533.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDD61T3144533.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDD61T3144533.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldd61t3144533/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,047. This offer applies to Stock #MS260600, VIN 4S4SLDD61T3144533. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $35,552. Advertised price: $33,505. Savings: $2,047, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$35,552"}, {"label": "Advertised price", "value": "$33,505"}, {"label": "Savings", "value": "$2,047, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,047", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33505.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDD61T3144533_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": 33505.0, "price_incl_doc": 33505.0, "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": 679.82, "amount_financed": 35599.06, "sales_tax": 2094.06, "total_of_payments": 40789.15, "finance_charge": 5190.09, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260600, VIN 4S4SLDD61T3144533. $680 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,505, before any dealer documentation fee. Amount financed $35,599, including $2,094 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,789. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDD61T3144533_finance_72", "type": "finance_72", "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": 33505.0, "price_incl_doc": 33505.0, "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": 589.81, "amount_financed": 35599.06, "sales_tax": 2094.06, "total_of_payments": 42466.41, "finance_charge": 6867.35, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260600, VIN 4S4SLDD61T3144533. $590 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,505, before any dealer documentation fee. Amount financed $35,599, including $2,094 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,466. 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_4S4SLDD61T3144533_finance_84", "type": "finance_84", "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": 33505.0, "price_incl_doc": 33505.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 528.45, "amount_financed": 35599.06, "sales_tax": 2094.06, "total_of_payments": 44390.11, "finance_charge": 8791.05, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260600, VIN 4S4SLDD61T3144533. $528 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,505, before any dealer documentation fee. Amount financed $35,599, including $2,094 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,390. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDD61T3144533_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35552.0, "selling_price": 33505.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 445.35, "net_cap_cost": 34100.0, "residual_value": 22042.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 445.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 605.35}, "total_of_payments": 16020, "total_of_payments_unrounded": 16032.6}, "disclosure": "Estimated lease payment for stock #MS260600, VIN 4S4SLDD61T3144533. $445 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $605, made up of $445 first payment, $60 title, $100 registration. MSRP $35,552. Lease selling price $33,505. Net capitalized cost $34,100. Residual value $22,042, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,020. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDD61T3144533_lease", "type": "lease", "label": "Lease", "headline": {"value": 352, "unit": "per_month", "display": "$352/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35552.0, "selling_price": 33505.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 352.06, "net_cap_cost": 31101.0, "residual_value": 22042.24, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 352.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3511.06}, "total_of_payments": 12672, "total_of_payments_unrounded": 12674.16}, "disclosure": "Estimated lease payment for stock #MS260600, VIN 4S4SLDD61T3144533. $352 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,511, made up of $352 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,552. Lease selling price $33,505. Net capitalized cost $31,101. Residual value $22,042, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,672. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burkd6ty549565/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURKD6TY549565.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURKD6TY549565.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURKD6TY549565.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burkd6ty549565/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,622. This offer applies to Stock #MS260447, VIN JF2BURKD6TY549565. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $46,971. Advertised price: $44,349. Savings: $2,622, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$46,971"}, {"label": "Advertised price", "value": "$44,349"}, {"label": "Savings", "value": "$2,622, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,622", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44349.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURKD6TY549565_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 900, "unit": "per_month", "display": "$900/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44349.0, "price_incl_doc": 44349.0, "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": 899.84, "amount_financed": 47120.81, "sales_tax": 2771.81, "total_of_payments": 53990.69, "finance_charge": 6869.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260447, VIN JF2BURKD6TY549565. $900 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $44,349, before any dealer documentation fee. Amount financed $47,121, including $2,772 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,991. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURKD6TY549565_finance_72", "type": "finance_72", "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": 44349.0, "price_incl_doc": 44349.0, "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": 780.71, "amount_financed": 47120.81, "sales_tax": 2771.81, "total_of_payments": 56210.8, "finance_charge": 9089.99, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260447, VIN JF2BURKD6TY549565. $781 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $44,349, before any dealer documentation fee. Amount financed $47,121, including $2,772 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $56,211. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURKD6TY549565_finance_84", "type": "finance_84", "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": 44349.0, "price_incl_doc": 44349.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 699.49, "amount_financed": 47120.81, "sales_tax": 2771.81, "total_of_payments": 58757.11, "finance_charge": 11636.3, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260447, VIN JF2BURKD6TY549565. $699 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,349, before any dealer documentation fee. Amount financed $47,121, including $2,772 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,757. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURKD6TY549565_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46971.0, "selling_price": 44349.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 585.01, "net_cap_cost": 44944.0, "residual_value": 29122.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 585.01, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 745.01}, "total_of_payments": 21060, "total_of_payments_unrounded": 21060.36}, "disclosure": "Estimated lease payment for stock #MS260447, VIN JF2BURKD6TY549565. $585 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $745, made up of $585 first payment, $60 title, $100 registration. MSRP $46,971. Lease selling price $44,349. Net capitalized cost $44,944. Residual value $29,122, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,060. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURKD6TY549565_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46971.0, "selling_price": 44349.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 491.72, "net_cap_cost": 41945.0, "residual_value": 29122.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 491.72, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3650.72}, "total_of_payments": 17712, "total_of_payments_unrounded": 17701.92}, "disclosure": "Estimated lease payment for stock #MS260447, VIN JF2BURKD6TY549565. $492 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,651, made up of $492 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,971. Lease selling price $44,349. Net capitalized cost $41,945. Residual value $29,122, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,712. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 368}}, {"vin": "JF2GUSGD1T8279666", "title": "2026 Subaru Crosstrek Sport Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport Hybrid", "decoded_trim": "Sport", "condition": "new", "price": 36528.0, "msrp": 36528.0, "sale_price": 36528.0, "currency": "USD", "mileage": null, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Sport Cloth", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8279666", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8279666_22.jpg"], "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": 36528.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSGD1T8279666.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd1t8279666/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd1t8279666/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSGD1T8279666.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSGD1T8279666.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSGD1T8279666.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd1t8279666/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8279666, VIN JF2GUSGD1T8279666. Advertised price: $36,528. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$36,528"}], "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36528.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSGD1T8279666_finance_60", "type": "finance_60", "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": 36528.0, "price_incl_doc": 36528.0, "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": 741.16, "amount_financed": 38811.0, "sales_tax": 2283.0, "total_of_payments": 44469.36, "finance_charge": 5658.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8279666, VIN JF2GUSGD1T8279666. $741 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,528, before any dealer documentation fee. Amount financed $38,811, including $2,283 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,469. 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_JF2GUSGD1T8279666_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 643, "unit": "per_month", "display": "$643/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36528.0, "price_incl_doc": 36528.0, "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": 643.03, "amount_financed": 38811.0, "sales_tax": 2283.0, "total_of_payments": 46297.96, "finance_charge": 7486.96, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8279666, VIN JF2GUSGD1T8279666. $643 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,528, before any dealer documentation fee. Amount financed $38,811, including $2,283 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,298. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD1T8279666_finance_84", "type": "finance_84", "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": 36528.0, "price_incl_doc": 36528.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 576.13, "amount_financed": 38811.0, "sales_tax": 2283.0, "total_of_payments": 48395.22, "finance_charge": 9584.22, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8279666, VIN JF2GUSGD1T8279666. $576 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,528, before any dealer documentation fee. Amount financed $38,811, including $2,283 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,395. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD1T8279666_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36528.0, "selling_price": 36528.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 522.49, "net_cap_cost": 37123.0, "residual_value": 22647.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.49, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 682.49}, "total_of_payments": 18792, "total_of_payments_unrounded": 18809.64}, "disclosure": "Estimated lease payment for stock #T8279666, VIN JF2GUSGD1T8279666. $522 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $682, made up of $522 first payment, $60 title, $100 registration. MSRP $36,528. Lease selling price $36,528. Net capitalized cost $37,123. Residual value $22,647, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,792. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD1T8279666_lease", "type": "lease", "label": "Lease", "headline": {"value": 429, "unit": "per_month", "display": "$429/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36528.0, "selling_price": 36528.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 429.2, "net_cap_cost": 34124.0, "residual_value": 22647.36, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 429.2, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3588.2}, "total_of_payments": 15444, "total_of_payments_unrounded": 15451.2}, "disclosure": "Estimated lease payment for stock #T8279666, VIN JF2GUSGD1T8279666. $429 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,588, made up of $429 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,528. Lease selling price $36,528. Net capitalized cost $34,124. Residual value $22,647, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,444. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 350}}, {"vin": "JF2BURLD9TY521807", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 46757.0, "msrp": 49917.0, "sale_price": 46757.0, "currency": "USD", "mileage": 7, "exterior_color": "River Rock Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": 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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": "Manufacturer's suggested retail price", "value": "$49,917"}, {"label": "Advertised price", "value": "$46,757"}, {"label": "Savings", "value": "$3,160, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,160", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46757.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURLD9TY521807_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 949, "unit": "per_month", "display": "$949/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46757.0, "price_incl_doc": 46757.0, "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": 948.7, "amount_financed": 49679.31, "sales_tax": 2922.31, "total_of_payments": 56922.2, "finance_charge": 7242.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260372, VIN JF2BURLD9TY521807. $949 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,757, before any dealer documentation fee. Amount financed $49,679, including $2,922 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,922. 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_JF2BURLD9TY521807_finance_72", "type": "finance_72", "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": 46757.0, "price_incl_doc": 46757.0, "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": 823.1, "amount_financed": 49679.31, "sales_tax": 2922.31, "total_of_payments": 59262.85, "finance_charge": 9583.54, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260372, VIN JF2BURLD9TY521807. $823 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,757, before any dealer documentation fee. Amount financed $49,679, including $2,922 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,263. 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_JF2BURLD9TY521807_finance_84", "type": "finance_84", "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": 46757.0, "price_incl_doc": 46757.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 737.47, "amount_financed": 49679.31, "sales_tax": 2922.31, "total_of_payments": 61947.42, "finance_charge": 12268.11, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260372, VIN JF2BURLD9TY521807. $737 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,757, before any dealer documentation fee. Amount financed $49,679, including $2,922 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,947. 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"}, {"offer_id": "of_JF2BURLD9TY521807_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49917.0, "selling_price": 46757.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 608.92, "net_cap_cost": 47352.0, "residual_value": 30948.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 608.92, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 768.92}, "total_of_payments": 21924, "total_of_payments_unrounded": 21921.12}, "disclosure": "Estimated lease payment for stock #MS260372, VIN JF2BURLD9TY521807. $609 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $769, made up of $609 first payment, $60 title, $100 registration. MSRP $49,917. Lease selling price $46,757. Net capitalized cost $47,352. Residual value $30,949, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,924. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURLD9TY521807_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49917.0, "selling_price": 46757.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 515.63, "net_cap_cost": 44353.0, "residual_value": 30948.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 515.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3674.63}, "total_of_payments": 18576, "total_of_payments_unrounded": 18562.68}, "disclosure": "Estimated lease payment for stock #MS260372, VIN JF2BURLD9TY521807. $516 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,675, made up of $516 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,917. Lease selling price $46,757. Net capitalized cost $44,353. Residual value $30,949, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,576. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 330}}, {"vin": "JF2GUSND0T8274820", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 38927.0, "msrp": 38927.0, "sale_price": 38927.0, "currency": "USD", "mileage": null, "exterior_color": "Sand Dune Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8274820", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSND0T8274820_22.jpg"], "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": 38927.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSND0T8274820.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8274820/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8274820/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND0T8274820.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND0T8274820.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND0T8274820.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd0t8274820/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8274820, VIN JF2GUSND0T8274820. Advertised price: $38,927. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$38,927"}], "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38927.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND0T8274820_finance_60", "type": "finance_60", "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": 38927.0, "price_incl_doc": 38927.0, "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": 789.83, "amount_financed": 41359.94, "sales_tax": 2432.94, "total_of_payments": 47389.92, "finance_charge": 6029.98, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274820, VIN JF2GUSND0T8274820. $790 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,927, before any dealer documentation fee. Amount financed $41,360, including $2,433 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,390. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8274820_finance_72", "type": "finance_72", "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": 38927.0, "price_incl_doc": 38927.0, "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": 685.26, "amount_financed": 41359.94, "sales_tax": 2432.94, "total_of_payments": 49338.61, "finance_charge": 7978.67, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274820, VIN JF2GUSND0T8274820. $685 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,927, before any dealer documentation fee. Amount financed $41,360, including $2,433 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,339. 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_JF2GUSND0T8274820_finance_84", "type": "finance_84", "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": 38927.0, "price_incl_doc": 38927.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 613.97, "amount_financed": 41359.94, "sales_tax": 2432.94, "total_of_payments": 51573.61, "finance_charge": 10213.67, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274820, VIN JF2GUSND0T8274820. $614 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,927, before any dealer documentation fee. Amount financed $41,360, including $2,433 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,574. 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"}, {"offer_id": "of_JF2GUSND0T8274820_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 556, "unit": "per_month", "display": "$556/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38927.0, "selling_price": 38927.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 555.59, "net_cap_cost": 39522.0, "residual_value": 24134.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 555.59, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 715.59}, "total_of_payments": 20016, "total_of_payments_unrounded": 20001.24}, "disclosure": "Estimated lease payment for stock #T8274820, VIN JF2GUSND0T8274820. $556 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $716, made up of $556 first payment, $60 title, $100 registration. MSRP $38,927. Lease selling price $38,927. Net capitalized cost $39,522. Residual value $24,135, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,016. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND0T8274820_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 38927.0, "selling_price": 38927.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 462.3, "net_cap_cost": 36523.0, "residual_value": 24134.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 462.3, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3621.3}, "total_of_payments": 16632, "total_of_payments_unrounded": 16642.8}, "disclosure": "Estimated lease payment for stock #T8274820, VIN JF2GUSND0T8274820. $462 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,621, made up of $462 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $38,927. Lease selling price $38,927. Net capitalized cost $36,523. Residual value $24,135, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,632. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 332}}, {"vin": "JF2GUSND6T8267838", "title": "2026 Subaru Crosstrek Limited Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Limited Hybrid", "decoded_trim": "Limited", "condition": "new", "price": 36944.0, "msrp": 39081.0, "sale_price": 36944.0, "currency": "USD", "mileage": 4, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, 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"https://content.homenetiol.com/2000157/2065512/0x0/9be906fb5923488ba2bd344b0ee40333.jpg"], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "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": 39081.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSND6T8267838.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd6t8267838/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd6t8267838/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSND6T8267838.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND6T8267838.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSND6T8267838.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusnd6t8267838/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,137. This offer applies to Stock #MS260519, VIN JF2GUSND6T8267838. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,081. Advertised price: $36,944. Savings: $2,137, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,081"}, {"label": "Advertised price", "value": "$36,944"}, {"label": "Savings", "value": "$2,137, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,137", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36944.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSND6T8267838_finance_60", "type": "finance_60", "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": 36944.0, "price_incl_doc": 36944.0, "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": 749.6, "amount_financed": 39253.0, "sales_tax": 2309.0, "total_of_payments": 44975.81, "finance_charge": 5722.81, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260519, VIN JF2GUSND6T8267838. $750 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,944, before any dealer documentation fee. Amount financed $39,253, including $2,309 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,976. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND6T8267838_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": 36944.0, "price_incl_doc": 36944.0, "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": 650.35, "amount_financed": 39253.0, "sales_tax": 2309.0, "total_of_payments": 46825.22, "finance_charge": 7572.22, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260519, VIN JF2GUSND6T8267838. $650 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,944, before any dealer documentation fee. Amount financed $39,253, including $2,309 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,825. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND6T8267838_finance_84", "type": "finance_84", "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": 36944.0, "price_incl_doc": 36944.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.69, "amount_financed": 39253.0, "sales_tax": 2309.0, "total_of_payments": 48946.37, "finance_charge": 9693.37, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260519, VIN JF2GUSND6T8267838. $583 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,944, before any dealer documentation fee. Amount financed $39,253, including $2,309 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,946. 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_JF2GUSND6T8267838_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 491, "unit": "per_month", "display": "$491/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39081.0, "selling_price": 36944.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 491.24, "net_cap_cost": 37539.0, "residual_value": 24230.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 491.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 651.24}, "total_of_payments": 17676, "total_of_payments_unrounded": 17684.64}, "disclosure": "Estimated lease payment for stock #MS260519, VIN JF2GUSND6T8267838. $491 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $651, made up of $491 first payment, $60 title, $100 registration. MSRP $39,081. Lease selling price $36,944. Net capitalized cost $37,539. Residual value $24,230, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,676. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSND6T8267838_lease", "type": "lease", "label": "Lease", "headline": {"value": 398, "unit": "per_month", "display": "$398/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39081.0, "selling_price": 36944.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 397.95, "net_cap_cost": 34540.0, "residual_value": 24230.22, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 397.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3556.95}, "total_of_payments": 14328, "total_of_payments_unrounded": 14326.2}, "disclosure": "Estimated lease payment for stock #MS260519, VIN JF2GUSND6T8267838. $398 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,557, made up of $398 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,081. Lease selling price $36,944. Net capitalized cost $34,540. Residual value $24,230, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,328. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 293}}, {"vin": "4S4WMALD8T3406836", "title": "2026 Subaru Ascent Onyx Edition Touring 7-Passenger", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Onyx Edition Touring 7-Passenger", "decoded_trim": "Onyx Touring", "condition": "new", "price": 51477.0, "msrp": 55206.0, "sale_price": 51477.0, "currency": "USD", "mileage": 9, "exterior_color": "Crystal White Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "MS260098", "stock_status": 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"https://content.homenetiol.com/2000157/2065512/0x0/4cb45f8531bf4651a8afddadfc130464.jpg"], "vin_decode": {"make": "Subaru", "model": "Ascent", "year": 2026, "trim": "Onyx 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": 55206.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4WMALD8T3406836.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmald8t3406836/2026-subaru-ascent-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmald8t3406836/2026-subaru-ascent-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4WMALD8T3406836.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4WMALD8T3406836.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4WMALD8T3406836.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmald8t3406836/2026-subaru-ascent-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,729. This offer applies to Stock #MS260098, VIN 4S4WMALD8T3406836. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $55,206. Advertised price: $51,477. Savings: $3,729, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$55,206"}, {"label": "Advertised price", "value": "$51,477"}, {"label": "Savings", "value": "$3,729, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,729", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51477.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMALD8T3406836_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1044, "unit": "per_month", "display": "$1,044/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51477.0, "price_incl_doc": 51477.0, "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": 1044.47, "amount_financed": 54694.31, "sales_tax": 3217.31, "total_of_payments": 62668.35, "finance_charge": 7974.04, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260098, VIN 4S4WMALD8T3406836. $1,044 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,477, before any dealer documentation fee. Amount financed $54,694, including $3,217 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $62,668. 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_4S4WMALD8T3406836_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 906, "unit": "per_month", "display": "$906/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51477.0, "price_incl_doc": 51477.0, "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": 906.18, "amount_financed": 54694.31, "sales_tax": 3217.31, "total_of_payments": 65245.28, "finance_charge": 10550.97, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260098, VIN 4S4WMALD8T3406836. $906 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,477, before any dealer documentation fee. Amount financed $54,694, including $3,217 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,245. 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_4S4WMALD8T3406836_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 812, "unit": "per_month", "display": "$812/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51477.0, "price_incl_doc": 51477.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 811.91, "amount_financed": 54694.31, "sales_tax": 3217.31, "total_of_payments": 68200.85, "finance_charge": 13506.54, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260098, VIN 4S4WMALD8T3406836. $812 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,477, before any dealer documentation fee. Amount financed $54,694, including $3,217 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,201. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMALD8T3406836_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 664, "unit": "per_month", "display": "$664/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 55206.0, "selling_price": 51477.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 664.19, "net_cap_cost": 52072.0, "residual_value": 34227.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 664.19, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 824.19}, "total_of_payments": 23904, "total_of_payments_unrounded": 23910.84}, "disclosure": "Estimated lease payment for stock #MS260098, VIN 4S4WMALD8T3406836. $664 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $824, made up of $664 first payment, $60 title, $100 registration. MSRP $55,206. Lease selling price $51,477. Net capitalized cost $52,072. Residual value $34,228, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,904. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMALD8T3406836_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 55206.0, "selling_price": 51477.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 570.9, "net_cap_cost": 49073.0, "residual_value": 34227.72, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 570.9, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3729.9}, "total_of_payments": 20556, "total_of_payments_unrounded": 20552.4}, "disclosure": "Estimated lease payment for stock #MS260098, VIN 4S4WMALD8T3406836. $571 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,730, made up of $571 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $55,206. Lease selling price $51,477. Net capitalized cost $49,073. Residual value $34,228, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,556. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 289}}, {"vin": "JF2GUSGD0T8273244", "title": "2026 Subaru Crosstrek Sport Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport Hybrid", "decoded_trim": "Sport", "condition": "new", "price": 35932.0, "msrp": 35932.0, "sale_price": 35932.0, "currency": "USD", "mileage": null, "exterior_color": "Ice Silver Metallic", "interior_color": "Sport Cloth", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8273244", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD0T8273244_22.jpg"], "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": 35932.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSGD0T8273244.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd0t8273244/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd0t8273244/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSGD0T8273244.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSGD0T8273244.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSGD0T8273244.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd0t8273244/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8273244, VIN JF2GUSGD0T8273244. Advertised price: $35,932. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$35,932"}], "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35932.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSGD0T8273244_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": 35932.0, "price_incl_doc": 35932.0, "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": 729.06, "amount_financed": 38177.75, "sales_tax": 2245.75, "total_of_payments": 43743.79, "finance_charge": 5566.04, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8273244, VIN JF2GUSGD0T8273244. $729 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,932, before any dealer documentation fee. Amount financed $38,178, including $2,246 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,744. 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_JF2GUSGD0T8273244_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": 35932.0, "price_incl_doc": 35932.0, "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": 632.54, "amount_financed": 38177.75, "sales_tax": 2245.75, "total_of_payments": 45542.55, "finance_charge": 7364.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8273244, VIN JF2GUSGD0T8273244. $633 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,932, before any dealer documentation fee. Amount financed $38,178, including $2,246 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,543. 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_JF2GUSGD0T8273244_finance_84", "type": "finance_84", "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": 35932.0, "price_incl_doc": 35932.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 566.73, "amount_financed": 38177.75, "sales_tax": 2245.75, "total_of_payments": 47605.59, "finance_charge": 9427.84, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8273244, VIN JF2GUSGD0T8273244. $567 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,932, before any dealer documentation fee. Amount financed $38,178, including $2,246 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,606. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD0T8273244_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35932.0, "selling_price": 35932.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 514.27, "net_cap_cost": 36527.0, "residual_value": 22277.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 514.27, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 674.27}, "total_of_payments": 18504, "total_of_payments_unrounded": 18513.72}, "disclosure": "Estimated lease payment for stock #T8273244, VIN JF2GUSGD0T8273244. $514 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $674, made up of $514 first payment, $60 title, $100 registration. MSRP $35,932. Lease selling price $35,932. Net capitalized cost $36,527. Residual value $22,278, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,504. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD0T8273244_lease", "type": "lease", "label": "Lease", "headline": {"value": 421, "unit": "per_month", "display": "$421/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35932.0, "selling_price": 35932.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 420.98, "net_cap_cost": 33528.0, "residual_value": 22277.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 420.98, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3579.98}, "total_of_payments": 15156, "total_of_payments_unrounded": 15155.28}, "disclosure": "Estimated lease payment for stock #T8273244, VIN JF2GUSGD0T8273244. $421 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,580, made up of $421 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,932. Lease selling price $35,932. Net capitalized cost $33,528. Residual value $22,278, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,156. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 289}}, {"vin": "JF2BUPED3TY522517", "title": "2026 Subaru Outback Touring", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring", "decoded_trim": "Touring", "condition": "new", "price": 45592.0, "msrp": 48796.0, "sale_price": 45592.0, "currency": "USD", "mileage": 7, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, 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"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": 48796.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPED3TY522517.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2buped3ty522517/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2buped3ty522517/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPED3TY522517.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPED3TY522517.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPED3TY522517.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2buped3ty522517/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,204. This offer applies to Stock #MS260371, VIN JF2BUPED3TY522517. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $48,796. Advertised price: $45,592. Savings: $3,204, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$48,796"}, {"label": "Advertised price", "value": "$45,592"}, {"label": "Savings", "value": "$3,204, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,204", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45592.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPED3TY522517_finance_60", "type": "finance_60", "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": 45592.0, "price_incl_doc": 45592.0, "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": 925.07, "amount_financed": 48441.5, "sales_tax": 2849.5, "total_of_payments": 55503.92, "finance_charge": 7062.42, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260371, VIN JF2BUPED3TY522517. $925 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,592, before any dealer documentation fee. Amount financed $48,442, including $2,850 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,504. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPED3TY522517_finance_72", "type": "finance_72", "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": 45592.0, "price_incl_doc": 45592.0, "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": 802.59, "amount_financed": 48441.5, "sales_tax": 2849.5, "total_of_payments": 57786.26, "finance_charge": 9344.76, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260371, VIN JF2BUPED3TY522517. $803 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,592, before any dealer documentation fee. Amount financed $48,442, including $2,850 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,786. 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_JF2BUPED3TY522517_finance_84", "type": "finance_84", "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": 45592.0, "price_incl_doc": 45592.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 719.09, "amount_financed": 48441.5, "sales_tax": 2849.5, "total_of_payments": 60403.94, "finance_charge": 11962.44, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260371, VIN JF2BUPED3TY522517. $719 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,592, before any dealer documentation fee. Amount financed $48,442, including $2,850 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,404. 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_JF2BUPED3TY522517_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48796.0, "selling_price": 45592.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 592.09, "net_cap_cost": 46187.0, "residual_value": 30253.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 592.09, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 752.09}, "total_of_payments": 21312, "total_of_payments_unrounded": 21315.24}, "disclosure": "Estimated lease payment for stock #MS260371, VIN JF2BUPED3TY522517. $592 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $752, made up of $592 first payment, $60 title, $100 registration. MSRP $48,796. Lease selling price $45,592. Net capitalized cost $46,187. Residual value $30,254, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,312. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPED3TY522517_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48796.0, "selling_price": 45592.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 498.79, "net_cap_cost": 43188.0, "residual_value": 30253.52, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 498.79, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3657.79}, "total_of_payments": 17964, "total_of_payments_unrounded": 17956.44}, "disclosure": "Estimated lease payment for stock #MS260371, VIN JF2BUPED3TY522517. $499 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,658, made up of $499 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,796. Lease selling price $45,592. Net capitalized cost $43,188. Residual value $30,254, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,964. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 302}}, {"vin": "1G1ZD5STXSF144888", "title": "2025 Chevrolet Malibu LT", "year": 2025, "make": "Chevrolet", "model": "Malibu", "trim": "LT", "decoded_trim": "LT (1LT)", "condition": "used", "price": 21977.0, "msrp": 21977.0, "sale_price": 21977.0, "currency": "USD", "mileage": 32665, "exterior_color": "Sterling Gray Metallic", "interior_color": "Jet Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Turbocharged Gas I4 1.5L/", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "1-Speed Automatic", "mpg_city": 28, "mpg_hwy": 36, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7919", "stock_status": "Available", "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/5/2025CHC11_640/2025CHC112071369_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025CHC11_640/2025CHC112071369_640_01.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Malibu", "year": 2025, "trim": "LT (1LT)", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "1.5L 4-Cylinder In-Line", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 21977.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1G1ZD5STXSF144888.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1g1zd5stxsf144888/2025-chevrolet-malibu-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1g1zd5stxsf144888/2025-chevrolet-malibu-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1G1ZD5STXSF144888.html", "json_url": "https://ai.castlesubarumchenry.com/v/1G1ZD5STXSF144888.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1G1ZD5STXSF144888.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1g1zd5stxsf144888/2025-chevrolet-malibu-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MCP7919, VIN 1G1ZD5STXSF144888. Advertised price: $21,977. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$21,977"}], "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", "features": ["Side-Impact Airbags", "Push Start", "Heated Seats", "Keyless Ignition", "Bench Seat", "Remote Start", "Bluetooth", "Keyless Entry", "Rear View Camera", "Lane Departure Warning", "Park Assistance", "Satellite Radio", "Apple CarPlay", "Android Auto", "GPS Navigation", "Wifi Hotspot", "Forward Collision Warning"], "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 21977.0, "price_incl_doc": 21977.0, "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": 548.28, "amount_financed": 23350.56, "sales_tax": 1373.56, "total_of_payments": 26317.51, "finance_charge": 2966.95, "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. $548 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,977, before any dealer documentation fee. Amount financed $23,351, including $1,374 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,318. 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_1G1ZD5STXSF144888_finance_60", "type": "finance_60", "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": 21977.0, "price_incl_doc": 21977.0, "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": 456.77, "amount_financed": 23350.56, "sales_tax": 1373.56, "total_of_payments": 27406.27, "finance_charge": 4055.71, "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. $457 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,977, before any dealer documentation fee. Amount financed $23,351, including $1,374 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,406. 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"}, {"offer_id": "of_1G1ZD5STXSF144888_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 398, "unit": "per_month", "display": "$398/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21977.0, "price_incl_doc": 21977.0, "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": 397.99, "amount_financed": 23350.56, "sales_tax": 1373.56, "total_of_payments": 28655.4, "finance_charge": 5304.84, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7919, VIN 1G1ZD5STXSF144888. $398 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,977, before any dealer documentation fee. Amount financed $23,351, including $1,374 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $28,655. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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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"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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,030. This offer applies to Stock #MS260310, VIN 4S4GUHM62T3764561. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,360. Advertised price: $35,330. Savings: $2,030, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$37,360"}, {"label": "Advertised price", "value": "$35,330"}, {"label": "Savings", "value": "$2,030, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,030", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35330.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHM62T3764561_finance_60", "type": "finance_60", "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": 35330.0, "price_incl_doc": 35330.0, "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": 716.85, "amount_financed": 37538.13, "sales_tax": 2208.13, "total_of_payments": 43010.92, "finance_charge": 5472.79, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260310, VIN 4S4GUHM62T3764561. $717 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,330, before any dealer documentation fee. Amount financed $37,538, including $2,208 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,011. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM62T3764561_finance_72", "type": "finance_72", "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": 35330.0, "price_incl_doc": 35330.0, "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": 621.94, "amount_financed": 37538.13, "sales_tax": 2208.13, "total_of_payments": 44779.54, "finance_charge": 7241.41, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260310, VIN 4S4GUHM62T3764561. $622 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,330, before any dealer documentation fee. Amount financed $37,538, including $2,208 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,780. 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_4S4GUHM62T3764561_finance_84", "type": "finance_84", "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": 35330.0, "price_incl_doc": 35330.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 557.24, "amount_financed": 37538.13, "sales_tax": 2208.13, "total_of_payments": 46808.02, "finance_charge": 9269.89, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260310, VIN 4S4GUHM62T3764561. $557 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,330, before any dealer documentation fee. Amount financed $37,538, including $2,208 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,808. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM62T3764561_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37360.0, "selling_price": 35330.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 470.82, "net_cap_cost": 35925.0, "residual_value": 23163.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 470.82, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 630.82}, "total_of_payments": 16956, "total_of_payments_unrounded": 16949.52}, "disclosure": "Estimated lease payment for stock #MS260310, VIN 4S4GUHM62T3764561. $471 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $631, made up of $471 first payment, $60 title, $100 registration. MSRP $37,360. Lease selling price $35,330. Net capitalized cost $35,925. Residual value $23,163, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,956. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHM62T3764561_lease", "type": "lease", "label": "Lease", "headline": {"value": 378, "unit": "per_month", "display": "$378/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37360.0, "selling_price": 35330.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 377.53, "net_cap_cost": 32926.0, "residual_value": 23163.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 377.53, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3536.53}, "total_of_payments": 13608, "total_of_payments_unrounded": 13591.08}, "disclosure": "Estimated lease payment for stock #MS260310, VIN 4S4GUHM62T3764561. $378 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,537, made up of $378 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,360. Lease selling price $35,330. Net capitalized cost $32,926. Residual value $23,163, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,608. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 284}}, {"vin": "JF2BURJD7TY546904", "title": "2026 Subaru Outback Touring XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring XT", "decoded_trim": "Touring", "condition": "new", "price": 47197.0, "msrp": 50377.0, "sale_price": 47197.0, "currency": "USD", "mileage": 7, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260449", "stock_status": "Available", "availability": "In Stock", 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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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd7ty546904/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURJD7TY546904.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD7TY546904.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD7TY546904.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd7ty546904/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,180. This offer applies to Stock #MS260449, VIN JF2BURJD7TY546904. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $50,377. Advertised price: $47,197. Savings: $3,180, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$50,377"}, {"label": "Advertised price", "value": "$47,197"}, {"label": "Savings", "value": "$3,180, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,180", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47197.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURJD7TY546904_finance_60", "type": "finance_60", "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": 47197.0, "price_incl_doc": 47197.0, "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": 957.63, "amount_financed": 50146.81, "sales_tax": 2949.81, "total_of_payments": 57457.85, "finance_charge": 7311.04, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260449, VIN JF2BURJD7TY546904. $958 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,197, before any dealer documentation fee. Amount financed $50,147, including $2,950 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,458. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD7TY546904_finance_72", "type": "finance_72", "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": 47197.0, "price_incl_doc": 47197.0, "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": 830.84, "amount_financed": 50146.81, "sales_tax": 2949.81, "total_of_payments": 59820.54, "finance_charge": 9673.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260449, VIN JF2BURJD7TY546904. $831 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,197, before any dealer documentation fee. Amount financed $50,147, including $2,950 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,821. 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_JF2BURJD7TY546904_finance_84", "type": "finance_84", "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": 47197.0, "price_incl_doc": 47197.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 744.41, "amount_financed": 50146.81, "sales_tax": 2949.81, "total_of_payments": 62530.37, "finance_charge": 12383.56, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260449, VIN JF2BURJD7TY546904. $744 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,197, before any dealer documentation fee. Amount financed $50,147, including $2,950 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,530. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD7TY546904_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 615, "unit": "per_month", "display": "$615/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50377.0, "selling_price": 47197.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 614.65, "net_cap_cost": 47792.0, "residual_value": 31233.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 614.65, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 774.65}, "total_of_payments": 22140, "total_of_payments_unrounded": 22127.4}, "disclosure": "Estimated lease payment for stock #MS260449, VIN JF2BURJD7TY546904. $615 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $775, made up of $615 first payment, $60 title, $100 registration. MSRP $50,377. Lease selling price $47,197. Net capitalized cost $47,792. Residual value $31,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,140. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD7TY546904_lease", "type": "lease", "label": "Lease", "headline": {"value": 521, "unit": "per_month", "display": "$521/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50377.0, "selling_price": 47197.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 521.35, "net_cap_cost": 44793.0, "residual_value": 31233.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 521.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3680.35}, "total_of_payments": 18756, "total_of_payments_unrounded": 18768.6}, "disclosure": "Estimated lease payment for stock #MS260449, VIN JF2BURJD7TY546904. $521 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,680, made up of $521 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,377. Lease selling price $47,197. Net capitalized cost $44,793. Residual value $31,234, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,756. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 278}}, {"vin": "JF2BUPAD4TY551563", "title": "2026 Subaru Outback Premium", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 36632.0, "msrp": 36632.0, "sale_price": 36632.0, "currency": "USD", "mileage": null, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "TY551563", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_1.jpg", "images": ["https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_1.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_2.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_4.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_5.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_6.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_7.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_8.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_9.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_10.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_11.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_12.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_13.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_14.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_15.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_16.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_17.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_18.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_19.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_20.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_21.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_22.jpg", "https://subaru.stockassets.shiftdigitalinventory.com/retailer/images/JF2BUPAD4TY551563_23.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36632.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPAD4TY551563.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupad4ty551563/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupad4ty551563/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPAD4TY551563.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPAD4TY551563.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPAD4TY551563.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupad4ty551563/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #TY551563, VIN JF2BUPAD4TY551563. Advertised price: $36,632. 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": "$36,632"}], "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36632.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPAD4TY551563_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 743, "unit": "per_month", "display": "$743/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36632.0, "price_incl_doc": 36632.0, "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": 743.27, "amount_financed": 38921.5, "sales_tax": 2289.5, "total_of_payments": 44595.97, "finance_charge": 5674.47, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY551563, VIN JF2BUPAD4TY551563. $743 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,632, before any dealer documentation fee. Amount financed $38,922, including $2,290 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,596. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPAD4TY551563_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": 36632.0, "price_incl_doc": 36632.0, "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": 644.86, "amount_financed": 38921.5, "sales_tax": 2289.5, "total_of_payments": 46429.77, "finance_charge": 7508.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY551563, VIN JF2BUPAD4TY551563. $645 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,632, before any dealer documentation fee. Amount financed $38,922, including $2,290 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,430. 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"}, {"offer_id": "of_JF2BUPAD4TY551563_finance_84", "type": "finance_84", "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": 36632.0, "price_incl_doc": 36632.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 577.77, "amount_financed": 38921.5, "sales_tax": 2289.5, "total_of_payments": 48533.01, "finance_charge": 9611.51, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #TY551563, VIN JF2BUPAD4TY551563. $578 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,632, before any dealer documentation fee. Amount financed $38,922, including $2,290 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,533. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPAD4TY551563_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36632.0, "selling_price": 36632.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 523.93, "net_cap_cost": 37227.0, "residual_value": 22711.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 523.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 683.93}, "total_of_payments": 18864, "total_of_payments_unrounded": 18861.48}, "disclosure": "Estimated lease payment for stock #TY551563, VIN JF2BUPAD4TY551563. $524 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $684, made up of $524 first payment, $60 title, $100 registration. MSRP $36,632. Lease selling price $36,632. Net capitalized cost $37,227. Residual value $22,712, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,864. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPAD4TY551563_lease", "type": "lease", "label": "Lease", "headline": {"value": 431, "unit": "per_month", "display": "$431/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36632.0, "selling_price": 36632.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 430.63, "net_cap_cost": 34228.0, "residual_value": 22711.84, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 430.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3589.63}, "total_of_payments": 15516, "total_of_payments_unrounded": 15502.68}, "disclosure": "Estimated lease payment for stock #TY551563, VIN JF2BUPAD4TY551563. $431 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,590, made up of $431 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,632. Lease selling price $36,632. Net capitalized cost $34,228. Residual value $22,712, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,516. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 304}}, {"vin": "JF2BUPBD4TY565624", "title": "2026 Subaru Outback Premium", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "new", "price": 37149.0, "msrp": 39536.0, "sale_price": 37149.0, "currency": "USD", "mileage": 5, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MS260579", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BUPBD4TY565624_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "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": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39536.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BUPBD4TY565624.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd4ty565624/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd4ty565624/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPBD4TY565624.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD4TY565624.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPBD4TY565624.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2bupbd4ty565624/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,387. This offer applies to Stock #MS260579, VIN JF2BUPBD4TY565624. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,536. Advertised price: $37,149. Savings: $2,387, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,536"}, {"label": "Advertised price", "value": "$37,149"}, {"label": "Savings", "value": "$2,387, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,387", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37149.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPBD4TY565624_finance_60", "type": "finance_60", "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": 37149.0, "price_incl_doc": 37149.0, "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": 753.76, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 45225.37, "finance_charge": 5754.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260579, VIN JF2BUPBD4TY565624. $754 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,225. 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_JF2BUPBD4TY565624_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": 37149.0, "price_incl_doc": 37149.0, "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": 653.96, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 47085.05, "finance_charge": 7614.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260579, VIN JF2BUPBD4TY565624. $654 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,085. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD4TY565624_finance_84", "type": "finance_84", "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": 37149.0, "price_incl_doc": 37149.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.93, "amount_financed": 39470.81, "sales_tax": 2321.81, "total_of_payments": 49217.97, "finance_charge": 9747.16, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260579, VIN JF2BUPBD4TY565624. $586 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,149, before any dealer documentation fee. Amount financed $39,471, including $2,322 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,218. 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_JF2BUPBD4TY565624_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 490, "unit": "per_month", "display": "$490/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39536.0, "selling_price": 37149.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 489.74, "net_cap_cost": 37744.0, "residual_value": 24512.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 489.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 649.74}, "total_of_payments": 17640, "total_of_payments_unrounded": 17630.64}, "disclosure": "Estimated lease payment for stock #MS260579, VIN JF2BUPBD4TY565624. $490 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $650, made up of $490 first payment, $60 title, $100 registration. MSRP $39,536. Lease selling price $37,149. Net capitalized cost $37,744. Residual value $24,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,640. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BUPBD4TY565624_lease", "type": "lease", "label": "Lease", "headline": {"value": 396, "unit": "per_month", "display": "$396/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39536.0, "selling_price": 37149.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 396.45, "net_cap_cost": 34745.0, "residual_value": 24512.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 396.45, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3555.45}, "total_of_payments": 14256, "total_of_payments_unrounded": 14272.2}, "disclosure": "Estimated lease payment for stock #MS260579, VIN JF2BUPBD4TY565624. $396 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,555, made up of $396 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,536. Lease selling price $37,149. Net capitalized cost $34,745. Residual value $24,512, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,256. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 304}}, {"vin": "JF2BURMD0TY493457", "title": "2026 Subaru Outback Wilderness", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 48087.0, "msrp": 51567.0, "sale_price": 48087.0, "currency": "USD", "mileage": 9, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "MS260211", "stock_status": "Available", "availability": "In Stock", 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"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": 51567.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURMD0TY493457.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd0ty493457/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd0ty493457/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURMD0TY493457.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD0TY493457.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURMD0TY493457.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burmd0ty493457/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,480. This offer applies to Stock #MS260211, VIN JF2BURMD0TY493457. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $51,567. Advertised price: $48,087. Savings: $3,480, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$51,567"}, {"label": "Advertised price", "value": "$48,087"}, {"label": "Savings", "value": "$3,480, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,480", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48087.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURMD0TY493457_finance_60", "type": "finance_60", "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": 48087.0, "price_incl_doc": 48087.0, "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": 975.69, "amount_financed": 51092.44, "sales_tax": 3005.44, "total_of_payments": 58541.35, "finance_charge": 7448.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260211, VIN JF2BURMD0TY493457. $976 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $48,087, before any dealer documentation fee. Amount financed $51,092, including $3,005 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,541. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD0TY493457_finance_72", "type": "finance_72", "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": 48087.0, "price_incl_doc": 48087.0, "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": 846.51, "amount_financed": 51092.44, "sales_tax": 3005.44, "total_of_payments": 60948.58, "finance_charge": 9856.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260211, VIN JF2BURMD0TY493457. $847 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $48,087, before any dealer documentation fee. Amount financed $51,092, including $3,005 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,949. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD0TY493457_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 758, "unit": "per_month", "display": "$758/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48087.0, "price_incl_doc": 48087.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.45, "amount_financed": 51092.44, "sales_tax": 3005.44, "total_of_payments": 63709.52, "finance_charge": 12617.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260211, VIN JF2BURMD0TY493457. $758 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,087, before any dealer documentation fee. Amount financed $51,092, including $3,005 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,710. 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_JF2BURMD0TY493457_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51567.0, "selling_price": 48087.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 621.73, "net_cap_cost": 48682.0, "residual_value": 31971.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 621.73, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 781.73}, "total_of_payments": 22392, "total_of_payments_unrounded": 22382.28}, "disclosure": "Estimated lease payment for stock #MS260211, VIN JF2BURMD0TY493457. $622 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $782, made up of $622 first payment, $60 title, $100 registration. MSRP $51,567. Lease selling price $48,087. Net capitalized cost $48,682. Residual value $31,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,392. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURMD0TY493457_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51567.0, "selling_price": 48087.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 528.44, "net_cap_cost": 45683.0, "residual_value": 31971.54, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.44, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3687.44}, "total_of_payments": 19008, "total_of_payments_unrounded": 19023.84}, "disclosure": "Estimated lease payment for stock #MS260211, VIN JF2BURMD0TY493457. $528 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,687, made up of $528 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,567. Lease selling price $48,087. Net capitalized cost $45,683. Residual value $31,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 310}}, {"vin": "4S4WMAGDXT3428363", "title": "2026 Subaru Ascent Limited 7-Passenger", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Limited 7-Passenger", "decoded_trim": "Limited", "condition": "new", "price": 47071.0, "msrp": 50186.0, "sale_price": 47071.0, "currency": "USD", "mileage": 7, "exterior_color": "Ice Silver Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "MS260471", "stock_status": "Available", "availability": "In 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"https://ai.castlesubarumchenry.com/sticker/4S4WMAGDXT3428363.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmagdxt3428363/2026-subaru-ascent-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmagdxt3428363/2026-subaru-ascent-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4WMAGDXT3428363.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4WMAGDXT3428363.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4WMAGDXT3428363.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmagdxt3428363/2026-subaru-ascent-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,115. This offer applies to Stock #MS260471, VIN 4S4WMAGDXT3428363. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $50,186. Advertised price: $47,071. Savings: $3,115, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$50,186"}, {"label": "Advertised price", "value": "$47,071"}, {"label": "Savings", "value": "$3,115, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,115", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47071.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMAGDXT3428363_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 955, "unit": "per_month", "display": "$955/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47071.0, "price_incl_doc": 47071.0, "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": 955.07, "amount_financed": 50012.94, "sales_tax": 2941.94, "total_of_payments": 57304.47, "finance_charge": 7291.53, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260471, VIN 4S4WMAGDXT3428363. $955 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,071, before any dealer documentation fee. Amount financed $50,013, including $2,942 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,304. 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"}, {"offer_id": "of_4S4WMAGDXT3428363_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 829, "unit": "per_month", "display": "$829/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47071.0, "price_incl_doc": 47071.0, "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": 828.62, "amount_financed": 50012.94, "sales_tax": 2941.94, "total_of_payments": 59660.84, "finance_charge": 9647.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260471, VIN 4S4WMAGDXT3428363. $829 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,071, before any dealer documentation fee. Amount financed $50,013, including $2,942 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $59,661. 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_4S4WMAGDXT3428363_finance_84", "type": "finance_84", "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": 47071.0, "price_incl_doc": 47071.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 742.42, "amount_financed": 50012.94, "sales_tax": 2941.94, "total_of_payments": 62363.44, "finance_charge": 12350.5, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260471, VIN 4S4WMAGDXT3428363. $742 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,071, before any dealer documentation fee. Amount financed $50,013, including $2,942 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,363. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAGDXT3428363_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50186.0, "selling_price": 47071.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 614.03, "net_cap_cost": 47666.0, "residual_value": 31115.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 614.03, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 774.03}, "total_of_payments": 22104, "total_of_payments_unrounded": 22105.08}, "disclosure": "Estimated lease payment for stock #MS260471, VIN 4S4WMAGDXT3428363. $614 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $774, made up of $614 first payment, $60 title, $100 registration. MSRP $50,186. Lease selling price $47,071. Net capitalized cost $47,666. Residual value $31,115, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,104. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAGDXT3428363_lease", "type": "lease", "label": "Lease", "headline": {"value": 521, "unit": "per_month", "display": "$521/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50186.0, "selling_price": 47071.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 520.74, "net_cap_cost": 44667.0, "residual_value": 31115.32, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 520.74, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3679.74}, "total_of_payments": 18756, "total_of_payments_unrounded": 18746.64}, "disclosure": "Estimated lease payment for stock #MS260471, VIN 4S4WMAGDXT3428363. $521 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,680, made up of $521 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,186. Lease selling price $47,071. Net capitalized cost $44,667. Residual value $31,115, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,756. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 311}}, {"vin": "4S4GUHB64T3803928", "title": "2026 Subaru Crosstrek Base", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Base", "decoded_trim": "Base", "condition": "new", "price": 27526.0, "msrp": 28601.0, "sale_price": 27526.0, "currency": "USD", "mileage": 5, "exterior_color": "Crystal White Pearl", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260596", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4GUHB64T3803928_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2026, "trim": "Base", "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": 28601.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHB64T3803928.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhb64t3803928/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhb64t3803928/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHB64T3803928.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHB64T3803928.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHB64T3803928.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4guhb64t3803928/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,075. This offer applies to Stock #MS260596, VIN 4S4GUHB64T3803928. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $28,601. Advertised price: $27,526. Savings: $1,075, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$28,601"}, {"label": "Advertised price", "value": "$27,526"}, {"label": "Savings", "value": "$1,075, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,075", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27526.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHB64T3803928_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 558, "unit": "per_month", "display": "$558/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27526.0, "price_incl_doc": 27526.0, "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": 558.5, "amount_financed": 29246.38, "sales_tax": 1720.38, "total_of_payments": 33510.29, "finance_charge": 4263.91, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260596, VIN 4S4GUHB64T3803928. $558 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,526, before any dealer documentation fee. Amount financed $29,246, including $1,720 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,510. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHB64T3803928_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": 27526.0, "price_incl_doc": 27526.0, "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": 484.56, "amount_financed": 29246.38, "sales_tax": 1720.38, "total_of_payments": 34888.24, "finance_charge": 5641.86, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260596, VIN 4S4GUHB64T3803928. $485 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,526, before any dealer documentation fee. Amount financed $29,246, including $1,720 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,888. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHB64T3803928_finance_84", "type": "finance_84", "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": 27526.0, "price_incl_doc": 27526.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 434.15, "amount_financed": 29246.38, "sales_tax": 1720.38, "total_of_payments": 36468.66, "finance_charge": 7222.28, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260596, VIN 4S4GUHB64T3803928. $434 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,526, before any dealer documentation fee. Amount financed $29,246, including $1,720 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,469. 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_4S4GUHB64T3803928_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28601.0, "selling_price": 27526.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 379.68, "net_cap_cost": 28121.0, "residual_value": 17732.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 379.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 539.68}, "total_of_payments": 13680, "total_of_payments_unrounded": 13668.48}, "disclosure": "Estimated lease payment for stock #MS260596, VIN 4S4GUHB64T3803928. $380 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $540, made up of $380 first payment, $60 title, $100 registration. MSRP $28,601. Lease selling price $27,526. Net capitalized cost $28,121. Residual value $17,733, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,680. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHB64T3803928_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28601.0, "selling_price": 27526.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 286.39, "net_cap_cost": 25122.0, "residual_value": 17732.62, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 286.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3445.39}, "total_of_payments": 10296, "total_of_payments_unrounded": 10310.04}, "disclosure": "Estimated lease payment for stock #MS260596, VIN 4S4GUHB64T3803928. $286 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,445, made up of $286 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,601. Lease selling price $27,526. Net capitalized cost $25,122. Residual value $17,733, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,296. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 310}}, {"vin": "4S4SLDL63T3077788", "title": "2026 Subaru Forester Wilderness", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Wilderness", "decoded_trim": "Wilderness", "condition": "new", "price": 38942.0, "msrp": 41373.0, "sale_price": 38942.0, "currency": "USD", "mileage": 3, "exterior_color": "GEYSER BLUE", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 24, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "MS260265", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41373.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDL63T3077788.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldl63t3077788/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldl63t3077788/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDL63T3077788.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDL63T3077788.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDL63T3077788.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldl63t3077788/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,431. This offer applies to Stock #MS260265, VIN 4S4SLDL63T3077788. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $41,373. Advertised price: $38,942. Savings: $2,431, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$41,373"}, {"label": "Advertised price", "value": "$38,942"}, {"label": "Savings", "value": "$2,431, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,431", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38942.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDL63T3077788_finance_60", "type": "finance_60", "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": 38942.0, "price_incl_doc": 38942.0, "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": 790.14, "amount_financed": 41375.88, "sales_tax": 2433.88, "total_of_payments": 47408.19, "finance_charge": 6032.31, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260265, VIN 4S4SLDL63T3077788. $790 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,942, before any dealer documentation fee. Amount financed $41,376, including $2,434 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,408. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL63T3077788_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": 38942.0, "price_incl_doc": 38942.0, "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": 685.52, "amount_financed": 41375.88, "sales_tax": 2433.88, "total_of_payments": 49357.62, "finance_charge": 7981.74, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260265, VIN 4S4SLDL63T3077788. $686 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,942, before any dealer documentation fee. Amount financed $41,376, including $2,434 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,358. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL63T3077788_finance_84", "type": "finance_84", "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": 38942.0, "price_incl_doc": 38942.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 614.21, "amount_financed": 41375.88, "sales_tax": 2433.88, "total_of_payments": 51593.49, "finance_charge": 10217.61, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260265, VIN 4S4SLDL63T3077788. $614 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,942, before any dealer documentation fee. Amount financed $41,376, including $2,434 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,593. 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_4S4SLDL63T3077788_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41373.0, "selling_price": 38942.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 513.72, "net_cap_cost": 39537.0, "residual_value": 25651.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 513.72, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 673.72}, "total_of_payments": 18504, "total_of_payments_unrounded": 18493.92}, "disclosure": "Estimated lease payment for stock #MS260265, VIN 4S4SLDL63T3077788. $514 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $674, made up of $514 first payment, $60 title, $100 registration. MSRP $41,373. Lease selling price $38,942. Net capitalized cost $39,537. Residual value $25,651, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,504. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDL63T3077788_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41373.0, "selling_price": 38942.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 420.42, "net_cap_cost": 36538.0, "residual_value": 25651.26, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 420.42, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3579.42}, "total_of_payments": 15120, "total_of_payments_unrounded": 15135.12}, "disclosure": "Estimated lease payment for stock #MS260265, VIN 4S4SLDL63T3077788. $420 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,579, made up of $420 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,373. Lease selling price $38,942. Net capitalized cost $36,538. Residual value $25,651, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,120. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 315}}, {"vin": "JF2BURJD8TY561539", "title": "2026 Subaru Outback Touring XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring XT", "decoded_trim": "Touring", "condition": "new", "price": 47921.0, "msrp": 51311.0, "sale_price": 47921.0, "currency": "USD", "mileage": 5, "exterior_color": "River Rock Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260583", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD8TY561539_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "trim": "Touring", "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": 51311.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURJD8TY561539.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd8ty561539/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd8ty561539/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURJD8TY561539.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD8TY561539.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD8TY561539.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd8ty561539/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,390. This offer applies to Stock #MS260583, VIN JF2BURJD8TY561539. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $51,311. Advertised price: $47,921. Savings: $3,390, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$51,311"}, {"label": "Advertised price", "value": "$47,921"}, {"label": "Savings", "value": "$3,390, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,390", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47921.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURJD8TY561539_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 972, "unit": "per_month", "display": "$972/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47921.0, "price_incl_doc": 47921.0, "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": 972.32, "amount_financed": 50916.06, "sales_tax": 2995.06, "total_of_payments": 58339.26, "finance_charge": 7423.2, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260583, VIN JF2BURJD8TY561539. $972 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,921, before any dealer documentation fee. Amount financed $50,916, including $2,995 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,339. 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_JF2BURJD8TY561539_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 844, "unit": "per_month", "display": "$844/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47921.0, "price_incl_doc": 47921.0, "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": 843.59, "amount_financed": 50916.06, "sales_tax": 2995.06, "total_of_payments": 60738.18, "finance_charge": 9822.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260583, VIN JF2BURJD8TY561539. $844 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,921, before any dealer documentation fee. Amount financed $50,916, including $2,995 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,738. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD8TY561539_finance_84", "type": "finance_84", "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": 47921.0, "price_incl_doc": 47921.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.83, "amount_financed": 50916.06, "sales_tax": 2995.06, "total_of_payments": 63489.58, "finance_charge": 12573.52, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260583, VIN JF2BURJD8TY561539. $756 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,921, before any dealer documentation fee. Amount financed $50,916, including $2,995 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,490. 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_JF2BURJD8TY561539_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51311.0, "selling_price": 47921.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 621.0, "net_cap_cost": 48516.0, "residual_value": 31812.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 621, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 781}, "total_of_payments": 22356, "total_of_payments_unrounded": 22356.0}, "disclosure": "Estimated lease payment for stock #MS260583, VIN JF2BURJD8TY561539. $621 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $781, made up of $621 first payment, $60 title, $100 registration. MSRP $51,311. Lease selling price $47,921. Net capitalized cost $48,516. Residual value $31,813, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,356. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD8TY561539_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51311.0, "selling_price": 47921.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 527.71, "net_cap_cost": 45517.0, "residual_value": 31812.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3686.71}, "total_of_payments": 19008, "total_of_payments_unrounded": 18997.56}, "disclosure": "Estimated lease payment for stock #MS260583, VIN JF2BURJD8TY561539. $528 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,687, made up of $528 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,311. Lease selling price $47,921. Net capitalized cost $45,517. Residual value $31,813, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 327}}, {"vin": "JF2BURJD3TY567104", "title": "2026 Subaru Outback Touring XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring XT", "decoded_trim": "Touring", "condition": "new", "price": 47921.0, "msrp": 51311.0, "sale_price": 47921.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Emerald Green Pearl", "interior_color": "Java Brown Napa Leather", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260590", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD3TY567104_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "trim": "Touring", "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": 51311.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURJD3TY567104.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd3ty567104/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd3ty567104/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURJD3TY567104.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD3TY567104.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD3TY567104.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd3ty567104/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,390. This offer applies to Stock #MS260590, VIN JF2BURJD3TY567104. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $51,311. Advertised price: $47,921. Savings: $3,390, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$51,311"}, {"label": "Advertised price", "value": "$47,921"}, {"label": "Savings", "value": "$3,390, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,390", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47921.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURJD3TY567104_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 972, "unit": "per_month", "display": "$972/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47921.0, "price_incl_doc": 47921.0, "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": 972.32, "amount_financed": 50916.06, "sales_tax": 2995.06, "total_of_payments": 58339.26, "finance_charge": 7423.2, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260590, VIN JF2BURJD3TY567104. $972 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,921, before any dealer documentation fee. Amount financed $50,916, including $2,995 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $58,339. 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_JF2BURJD3TY567104_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 844, "unit": "per_month", "display": "$844/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47921.0, "price_incl_doc": 47921.0, "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": 843.59, "amount_financed": 50916.06, "sales_tax": 2995.06, "total_of_payments": 60738.18, "finance_charge": 9822.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260590, VIN JF2BURJD3TY567104. $844 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,921, before any dealer documentation fee. Amount financed $50,916, including $2,995 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,738. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD3TY567104_finance_84", "type": "finance_84", "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": 47921.0, "price_incl_doc": 47921.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.83, "amount_financed": 50916.06, "sales_tax": 2995.06, "total_of_payments": 63489.58, "finance_charge": 12573.52, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260590, VIN JF2BURJD3TY567104. $756 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,921, before any dealer documentation fee. Amount financed $50,916, including $2,995 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $63,490. 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_JF2BURJD3TY567104_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51311.0, "selling_price": 47921.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 621.0, "net_cap_cost": 48516.0, "residual_value": 31812.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 621, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 781}, "total_of_payments": 22356, "total_of_payments_unrounded": 22356.0}, "disclosure": "Estimated lease payment for stock #MS260590, VIN JF2BURJD3TY567104. $621 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $781, made up of $621 first payment, $60 title, $100 registration. MSRP $51,311. Lease selling price $47,921. Net capitalized cost $48,516. Residual value $31,813, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,356. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD3TY567104_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51311.0, "selling_price": 47921.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 527.71, "net_cap_cost": 45517.0, "residual_value": 31812.82, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3686.71}, "total_of_payments": 19008, "total_of_payments_unrounded": 18997.56}, "disclosure": "Estimated lease payment for stock #MS260590, VIN JF2BURJD3TY567104. $528 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,687, made up of $528 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,311. Lease selling price $47,921. Net capitalized cost $45,517. Residual value $31,813, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 326}}, {"vin": "JF1GUAFC5T8267558", "title": "2026 Subaru Impreza Sport", "year": 2026, "make": "Subaru", "model": "Impreza", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 29491.0, "msrp": 30983.0, "sale_price": 29491.0, "currency": "USD", "mileage": 4, "exterior_color": "Citron Yellow Pearl", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 27, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260512", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://www.castlesubarumchenry.com/viewdetails/new/jf1guafc5t8267558/2026-subaru-impreza-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1guafc5t8267558/2026-subaru-impreza-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF1GUAFC5T8267558.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF1GUAFC5T8267558.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF1GUAFC5T8267558.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf1guafc5t8267558/2026-subaru-impreza-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,492. This offer applies to Stock #MS260512, VIN JF1GUAFC5T8267558. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $30,983. Advertised price: $29,491. Savings: $1,492, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$30,983"}, {"label": "Advertised price", "value": "$29,491"}, {"label": "Savings", "value": "$1,492, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,492", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29491.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1GUAFC5T8267558_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": 29491.0, "price_incl_doc": 29491.0, "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": 598.37, "amount_financed": 31334.19, "sales_tax": 1843.19, "total_of_payments": 35902.49, "finance_charge": 4568.3, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260512, VIN JF1GUAFC5T8267558. $598 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,491, before any dealer documentation fee. Amount financed $31,334, including $1,843 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,902. 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_JF1GUAFC5T8267558_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": 29491.0, "price_incl_doc": 29491.0, "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": 519.15, "amount_financed": 31334.19, "sales_tax": 1843.19, "total_of_payments": 37378.81, "finance_charge": 6044.62, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260512, VIN JF1GUAFC5T8267558. $519 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,491, before any dealer documentation fee. Amount financed $31,334, including $1,843 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,379. 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_JF1GUAFC5T8267558_finance_84", "type": "finance_84", "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": 29491.0, "price_incl_doc": 29491.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 465.14, "amount_financed": 31334.19, "sales_tax": 1843.19, "total_of_payments": 39072.04, "finance_charge": 7737.85, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260512, VIN JF1GUAFC5T8267558. $465 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $29,491, before any dealer documentation fee. Amount financed $31,334, including $1,843 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $39,072. 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"}, {"offer_id": "of_JF1GUAFC5T8267558_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 30983.0, "selling_price": 29491.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 399.57, "net_cap_cost": 30086.0, "residual_value": 19209.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 399.57, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 559.57}, "total_of_payments": 14400, "total_of_payments_unrounded": 14384.52}, "disclosure": "Estimated lease payment for stock #MS260512, VIN JF1GUAFC5T8267558. $400 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $560, made up of $400 first payment, $60 title, $100 registration. MSRP $30,983. Lease selling price $29,491. Net capitalized cost $30,086. Residual value $19,209, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,400. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUAFC5T8267558_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 30983.0, "selling_price": 29491.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 306.28, "net_cap_cost": 27087.0, "residual_value": 19209.46, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 306.28, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3465.28}, "total_of_payments": 11016, "total_of_payments_unrounded": 11026.08}, "disclosure": "Estimated lease payment for stock #MS260512, VIN JF1GUAFC5T8267558. $306 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,465, made up of $306 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $30,983. Lease selling price $29,491. Net capitalized cost $27,087. Residual value $19,209, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,016. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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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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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40628.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMAAD3T3428343_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 824, "unit": "per_month", "display": "$824/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40628.0, "price_incl_doc": 40628.0, "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": 824.35, "amount_financed": 43167.25, "sales_tax": 2539.25, "total_of_payments": 49460.72, "finance_charge": 6293.47, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260472, VIN 4S4WMAAD3T3428343. $824 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,628, before any dealer documentation fee. Amount financed $43,167, including $2,539 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $49,461. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAAD3T3428343_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 715, "unit": "per_month", "display": "$715/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40628.0, "price_incl_doc": 40628.0, "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": 715.2, "amount_financed": 43167.25, "sales_tax": 2539.25, "total_of_payments": 51494.56, "finance_charge": 8327.31, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260472, VIN 4S4WMAAD3T3428343. $715 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,628, before any dealer documentation fee. Amount financed $43,167, including $2,539 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $51,495. 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"}, {"offer_id": "of_4S4WMAAD3T3428343_finance_84", "type": "finance_84", "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": 40628.0, "price_incl_doc": 40628.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 640.8, "amount_financed": 43167.25, "sales_tax": 2539.25, "total_of_payments": 53827.23, "finance_charge": 10659.98, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260472, VIN 4S4WMAAD3T3428343. $641 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,628, before any dealer documentation fee. Amount financed $43,167, including $2,539 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,827. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAAD3T3428343_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43168.0, "selling_price": 40628.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 535.09, "net_cap_cost": 41223.0, "residual_value": 26764.16, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 535.09, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 695.09}, "total_of_payments": 19260, "total_of_payments_unrounded": 19263.24}, "disclosure": "Estimated lease payment for stock #MS260472, VIN 4S4WMAAD3T3428343. $535 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $695, made up of $535 first payment, $60 title, $100 registration. MSRP $43,168. Lease selling price $40,628. Net capitalized cost $41,223. Residual value $26,764, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,260. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMAAD3T3428343_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43168.0, "selling_price": 40628.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 441.8, "net_cap_cost": 38224.0, "residual_value": 26764.16, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 441.8, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3600.8}, "total_of_payments": 15912, "total_of_payments_unrounded": 15904.8}, "disclosure": "Estimated lease payment for stock #MS260472, VIN 4S4WMAAD3T3428343. $442 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,601, made up of $442 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,168. Lease selling price $40,628. Net capitalized cost $38,224. Residual value $26,764, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,912. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 284}}, {"vin": "JF2BURJD0TY566136", "title": "2026 Subaru Outback Touring XT", "year": 2026, "make": "Subaru", "model": "Outback", "trim": "Touring XT", "decoded_trim": "Touring", "condition": "new", "price": 47546.0, "msrp": 50916.0, "sale_price": 47546.0, "currency": "USD", "mileage": 5, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 21, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260589", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2BURJD0TY566136_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Outback", "year": 2026, "trim": "Touring", "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": 50916.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2BURJD0TY566136.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd0ty566136/2026-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd0ty566136/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BURJD0TY566136.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD0TY566136.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BURJD0TY566136.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2burjd0ty566136/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,370. This offer applies to Stock #MS260589, VIN JF2BURJD0TY566136. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $50,916. Advertised price: $47,546. Savings: $3,370, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$50,916"}, {"label": "Advertised price", "value": "$47,546"}, {"label": "Savings", "value": "$3,370, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,370", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BURJD0TY566136_finance_60", "type": "finance_60", "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": 47546.0, "price_incl_doc": 47546.0, "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": 964.71, "amount_financed": 50517.63, "sales_tax": 2971.63, "total_of_payments": 57882.74, "finance_charge": 7365.11, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260589, VIN JF2BURJD0TY566136. $965 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $47,546, before any dealer documentation fee. Amount financed $50,518, including $2,972 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $57,883. 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"}, {"offer_id": "of_JF2BURJD0TY566136_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 837, "unit": "per_month", "display": "$837/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47546.0, "price_incl_doc": 47546.0, "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": 836.98, "amount_financed": 50517.63, "sales_tax": 2971.63, "total_of_payments": 60262.89, "finance_charge": 9745.26, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260589, VIN JF2BURJD0TY566136. $837 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $47,546, before any dealer documentation fee. Amount financed $50,518, including $2,972 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $60,263. 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_JF2BURJD0TY566136_finance_84", "type": "finance_84", "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": 47546.0, "price_incl_doc": 47546.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.91, "amount_financed": 50517.63, "sales_tax": 2971.63, "total_of_payments": 62992.76, "finance_charge": 12475.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260589, VIN JF2BURJD0TY566136. $750 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $47,546, before any dealer documentation fee. Amount financed $50,518, including $2,972 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $62,993. 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_JF2BURJD0TY566136_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50916.0, "selling_price": 47546.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 616.17, "net_cap_cost": 48141.0, "residual_value": 31567.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 616.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 776.17}, "total_of_payments": 22176, "total_of_payments_unrounded": 22182.12}, "disclosure": "Estimated lease payment for stock #MS260589, VIN JF2BURJD0TY566136. $616 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $776, made up of $616 first payment, $60 title, $100 registration. MSRP $50,916. Lease selling price $47,546. Net capitalized cost $48,141. Residual value $31,568, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,176. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2BURJD0TY566136_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50916.0, "selling_price": 47546.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 522.88, "net_cap_cost": 45142.0, "residual_value": 31567.92, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3681.88}, "total_of_payments": 18828, "total_of_payments_unrounded": 18823.68}, "disclosure": "Estimated lease payment for stock #MS260589, VIN JF2BURJD0TY566136. $523 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,682, made up of $523 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,916. Lease selling price $47,546. Net capitalized cost $45,142. Residual value $31,568, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,828. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 284}}, {"vin": "JF2GUSGD1T8274404", "title": "2026 Subaru Crosstrek Sport Hybrid", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport Hybrid", "decoded_trim": "Sport", "condition": "new", "price": 36327.0, "msrp": 36327.0, "sale_price": 36327.0, "currency": "USD", "mileage": null, "exterior_color": "Citron Yellow Pearl", "interior_color": "Sport Cloth", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid", "doors": 4, "seating_capacity": null, "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Continuously Variable Transmission", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "T8274404", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/JF2GUSGD1T8274404_22.jpg"], "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": 36327.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUSGD1T8274404.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd1t8274404/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd1t8274404/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2GUSGD1T8274404.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2GUSGD1T8274404.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2GUSGD1T8274404.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/jf2gusgd1t8274404/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #T8274404, VIN JF2GUSGD1T8274404. Advertised price: $36,327. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$36,327"}], "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36327.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2GUSGD1T8274404_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": 36327.0, "price_incl_doc": 36327.0, "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": 737.08, "amount_financed": 38597.44, "sales_tax": 2270.44, "total_of_payments": 44224.67, "finance_charge": 5627.23, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274404, VIN JF2GUSGD1T8274404. $737 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,327, before any dealer documentation fee. Amount financed $38,597, including $2,270 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,225. 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_JF2GUSGD1T8274404_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": 36327.0, "price_incl_doc": 36327.0, "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": 639.49, "amount_financed": 38597.44, "sales_tax": 2270.44, "total_of_payments": 46043.2, "finance_charge": 7445.76, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274404, VIN JF2GUSGD1T8274404. $639 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,327, before any dealer documentation fee. Amount financed $38,597, including $2,270 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,043. 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"}, {"offer_id": "of_JF2GUSGD1T8274404_finance_84", "type": "finance_84", "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": 36327.0, "price_incl_doc": 36327.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.96, "amount_financed": 38597.44, "sales_tax": 2270.44, "total_of_payments": 48128.92, "finance_charge": 9531.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #T8274404, VIN JF2GUSGD1T8274404. $573 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,327, before any dealer documentation fee. Amount financed $38,597, including $2,270 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,129. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD1T8274404_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36327.0, "selling_price": 36327.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 519.72, "net_cap_cost": 36922.0, "residual_value": 22522.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 519.72, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 679.72}, "total_of_payments": 18720, "total_of_payments_unrounded": 18709.92}, "disclosure": "Estimated lease payment for stock #T8274404, VIN JF2GUSGD1T8274404. $520 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $680, made up of $520 first payment, $60 title, $100 registration. MSRP $36,327. Lease selling price $36,327. Net capitalized cost $36,922. Residual value $22,523, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,720. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2GUSGD1T8274404_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36327.0, "selling_price": 36327.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 426.43, "net_cap_cost": 33923.0, "residual_value": 22522.74, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 426.43, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3585.43}, "total_of_payments": 15336, "total_of_payments_unrounded": 15351.48}, "disclosure": "Estimated lease payment for stock #T8274404, VIN JF2GUSGD1T8274404. $426 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,585, made up of $426 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,327. Lease selling price $36,327. Net capitalized cost $33,923. Residual value $22,523, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,336. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 282}}, {"vin": "1G6DU5RK2R0127047", "title": "2024 Cadillac CT5 Sport", "year": 2024, "make": "Cadillac", "model": "CT5", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 37497.0, "msrp": 37497.0, "sale_price": 37497.0, "currency": "USD", "mileage": 48906, "exterior_color": "Summit White", "interior_color": "Jet Black with Jet Black Accents", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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"https://www.castlesubarumchenry.com/viewdetails/used/1g6du5rk2r0127047/2024-cadillac-ct5-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MCP7904, VIN 1G6DU5RK2R0127047. Advertised price: $37,497. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$37,497"}], "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": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1G6DU5RK2R0127047_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 935, "unit": "per_month", "display": "$935/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37497.0, "price_incl_doc": 37497.0, "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": 935.47, "amount_financed": 39840.56, "sales_tax": 2343.56, "total_of_payments": 44902.75, "finance_charge": 5062.19, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7904, VIN 1G6DU5RK2R0127047. $935 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,497, before any dealer documentation fee. Amount financed $39,841, including $2,344 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $44,903. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_60", "type": "finance_60", "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": 37497.0, "price_incl_doc": 37497.0, "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": 779.34, "amount_financed": 39840.56, "sales_tax": 2343.56, "total_of_payments": 46760.38, "finance_charge": 6919.82, "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. $779 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,497, before any dealer documentation fee. Amount financed $39,841, including $2,344 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,760. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 37497.0, "price_incl_doc": 37497.0, "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": 679.05, "amount_financed": 39840.56, "sales_tax": 2343.56, "total_of_payments": 48891.65, "finance_charge": 9051.09, "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. $679 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,497, before any dealer documentation fee. Amount financed $39,841, including $2,344 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $48,892. 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": 24, "elapsed_ms": 222}}, {"vin": "4S4SLDH61T3144784", "title": "2026 Subaru Forester Sport", "year": 2026, "make": "Subaru", "model": "Forester", "trim": "Sport", "decoded_trim": "Sport", "condition": "new", "price": 36614.0, "msrp": 39037.0, "sale_price": 36614.0, "currency": "USD", "mileage": 5, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 25, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "MS260599", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4SLDH61T3144784_22.jpg"], "vin_decode": {"make": "Subaru", "model": "Forester", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39037.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4SLDH61T3144784.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh61t3144784/2026-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh61t3144784/2026-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4SLDH61T3144784.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4SLDH61T3144784.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4SLDH61T3144784.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4sldh61t3144784/2026-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,423. This offer applies to Stock #MS260599, VIN 4S4SLDH61T3144784. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,037. Advertised price: $36,614. Savings: $2,423, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$39,037"}, {"label": "Advertised price", "value": "$36,614"}, {"label": "Savings", "value": "$2,423, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,423", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36614.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4SLDH61T3144784_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 743, "unit": "per_month", "display": "$743/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36614.0, "price_incl_doc": 36614.0, "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": 742.9, "amount_financed": 38902.38, "sales_tax": 2288.38, "total_of_payments": 44574.07, "finance_charge": 5671.69, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260599, VIN 4S4SLDH61T3144784. $743 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,614, before any dealer documentation fee. Amount financed $38,902, including $2,288 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,574. 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"}, {"offer_id": "of_4S4SLDH61T3144784_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": 36614.0, "price_incl_doc": 36614.0, "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": 644.54, "amount_financed": 38902.38, "sales_tax": 2288.38, "total_of_payments": 46406.96, "finance_charge": 7504.58, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260599, VIN 4S4SLDH61T3144784. $645 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,614, before any dealer documentation fee. Amount financed $38,902, including $2,288 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,407. 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"}, {"offer_id": "of_4S4SLDH61T3144784_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 577, "unit": "per_month", "display": "$577/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36614.0, "price_incl_doc": 36614.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 577.49, "amount_financed": 38902.38, "sales_tax": 2288.38, "total_of_payments": 48509.17, "finance_charge": 9606.79, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260599, VIN 4S4SLDH61T3144784. $577 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,614, before any dealer documentation fee. Amount financed $38,902, including $2,288 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,509. 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_4S4SLDH61T3144784_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39037.0, "selling_price": 36614.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 481.73, "net_cap_cost": 37209.0, "residual_value": 24202.94, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 481.73, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 641.73}, "total_of_payments": 17352, "total_of_payments_unrounded": 17342.28}, "disclosure": "Estimated lease payment for stock #MS260599, VIN 4S4SLDH61T3144784. $482 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $642, made up of $482 first payment, $60 title, $100 registration. MSRP $39,037. Lease selling price $36,614. Net capitalized cost $37,209. Residual value $24,203, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,352. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4SLDH61T3144784_lease", "type": "lease", "label": "Lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39037.0, "selling_price": 36614.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 388.44, "net_cap_cost": 34210.0, "residual_value": 24202.94, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 388.44, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3547.44}, "total_of_payments": 13968, "total_of_payments_unrounded": 13983.84}, "disclosure": "Estimated lease payment for stock #MS260599, VIN 4S4SLDH61T3144784. $388 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,547, made up of $388 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,037. Lease selling price $36,614. Net capitalized cost $34,210. Residual value $24,203, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,968. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 252}}, {"vin": "4S4WMABD5T3433171", "title": "2026 Subaru Ascent Premium 7-Passenger", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Premium 7-Passenger", "decoded_trim": "Premium", "condition": "new", "price": 40469.0, "msrp": 42921.0, "sale_price": 40469.0, "currency": "USD", "mileage": 5, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "All Wheel Drive", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gas", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "MS260597", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 22, "primary_image": "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_1.jpg", "images": ["https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_1.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_2.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_3.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_4.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_5.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_6.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_7.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_8.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_9.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_10.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_11.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_12.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_13.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_14.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_15.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_16.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_17.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_18.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_19.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_20.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_21.jpg", "https://subaru.assets.shiftdigitalinventory.com/images/4S4WMABD5T3433171_22.jpg"], "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": 42921.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4WMABD5T3433171.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmabd5t3433171/2026-subaru-ascent-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmabd5t3433171/2026-subaru-ascent-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4WMABD5T3433171.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4WMABD5T3433171.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4WMABD5T3433171.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/new/4s4wmabd5t3433171/2026-subaru-ascent-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,452. This offer applies to Stock #MS260597, VIN 4S4WMABD5T3433171. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $42,921. Advertised price: $40,469. Savings: $2,452, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "Manufacturer's suggested retail price", "value": "$42,921"}, {"label": "Advertised price", "value": "$40,469"}, {"label": "Savings", "value": "$2,452, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,452", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40469.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4WMABD5T3433171_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 821, "unit": "per_month", "display": "$821/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40469.0, "price_incl_doc": 40469.0, "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": 821.12, "amount_financed": 42998.31, "sales_tax": 2529.31, "total_of_payments": 49267.15, "finance_charge": 6268.84, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260597, VIN 4S4WMABD5T3433171. $821 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,469, before any dealer documentation fee. Amount financed $42,998, including $2,529 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $49,267. 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_4S4WMABD5T3433171_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 712, "unit": "per_month", "display": "$712/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40469.0, "price_incl_doc": 40469.0, "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": 712.4, "amount_financed": 42998.31, "sales_tax": 2529.31, "total_of_payments": 51293.03, "finance_charge": 8294.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260597, VIN 4S4WMABD5T3433171. $712 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,469, before any dealer documentation fee. Amount financed $42,998, including $2,529 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $51,293. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMABD5T3433171_finance_84", "type": "finance_84", "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": 40469.0, "price_incl_doc": 40469.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60050", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 638.29, "amount_financed": 42998.31, "sales_tax": 2529.31, "total_of_payments": 53616.57, "finance_charge": 10618.26, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260597, VIN 4S4WMABD5T3433171. $638 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,469, before any dealer documentation fee. Amount financed $42,998, including $2,529 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,617. 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_4S4WMABD5T3433171_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "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 lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42921.0, "selling_price": 40469.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 534.42, "net_cap_cost": 41064.0, "residual_value": 26611.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 534.42, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 694.42}, "total_of_payments": 19224, "total_of_payments_unrounded": 19239.12}, "disclosure": "Estimated lease payment for stock #MS260597, VIN 4S4WMABD5T3433171. $534 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $694, made up of $534 first payment, $60 title, $100 registration. MSRP $42,921. Lease selling price $40,469. Net capitalized cost $41,064. Residual value $26,611, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,224. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4WMABD5T3433171_lease", "type": "lease", "label": "Lease", "headline": {"value": 441, "unit": "per_month", "display": "$441/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42921.0, "selling_price": 40469.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60050", "program_code": null}, "outputs": {"monthly_payment": 441.13, "net_cap_cost": 38065.0, "residual_value": 26611.02, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 441.13, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3600.13}, "total_of_payments": 15876, "total_of_payments_unrounded": 15880.68}, "disclosure": "Estimated lease payment for stock #MS260597, VIN 4S4WMABD5T3433171. $441 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,600, made up of $441 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,921. Lease selling price $40,469. Net capitalized cost $38,065. Residual value $26,611, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,876. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "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": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 245}}, {"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": 31997.0, "msrp": 31997.0, "sale_price": 31997.0, "currency": "USD", "mileage": 17947, "exterior_color": "Wolf Gray", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "M260406B", "stock_status": "Available", "availability": "In Stock", 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 14597.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 364, "unit": "per_month", "display": "$364/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14597.0, "price_incl_doc": 14597.0, "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": 364.17, "amount_financed": 15509.31, "sales_tax": 912.31, "total_of_payments": 17479.94, "finance_charge": 1970.63, "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. $364 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $14,597, before any dealer documentation fee. Amount financed $15,509, including $912 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $17,480. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 303, "unit": "per_month", "display": "$303/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14597.0, "price_incl_doc": 14597.0, "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": 303.38, "amount_financed": 15509.31, "sales_tax": 912.31, "total_of_payments": 18203.09, "finance_charge": 2693.78, "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. $303 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $14,597, before any dealer documentation fee. Amount financed $15,509, including $912 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $18,203. 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_5XYPG4A39HG256198_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 264, "unit": "per_month", "display": "$264/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14597.0, "price_incl_doc": 14597.0, "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": 264.34, "amount_financed": 15509.31, "sales_tax": 912.31, "total_of_payments": 19032.76, "finance_charge": 3523.45, "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. $264 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $14,597, before any dealer documentation fee. Amount financed $15,509, including $912 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $19,033. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gcpddek7pz259532/2023-chevrolet-silverado-1500-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1GCPDDEK7PZ259532.html", "json_url": "https://ai.castlesubarumchenry.com/v/1GCPDDEK7PZ259532.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1GCPDDEK7PZ259532.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gcpddek7pz259532/2023-chevrolet-silverado-1500-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GCPDDEK7PZ259532_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": 34997.0, "price_incl_doc": 34997.0, "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": 873.1, "amount_financed": 37184.31, "sales_tax": 2187.31, "total_of_payments": 41909.0, "finance_charge": 4724.69, "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. $873 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,997, before any dealer documentation fee. Amount financed $37,184, including $2,187 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,909. 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": 34997.0, "price_incl_doc": 34997.0, "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": 727.38, "amount_financed": 37184.31, "sales_tax": 2187.31, "total_of_payments": 43642.77, "finance_charge": 6458.46, "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. $727 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,997, before any dealer documentation fee. Amount financed $37,184, including $2,187 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,643. 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": 34997.0, "price_incl_doc": 34997.0, "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": 633.78, "amount_financed": 37184.31, "sales_tax": 2187.31, "total_of_payments": 45631.94, "finance_charge": 8447.63, "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. $634 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,997, before any dealer documentation fee. Amount financed $37,184, including $2,187 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,632. 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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c4hjxenxmw574251/2021-jeep-wrangler-convertible", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1C4HJXENXMW574251.html", "json_url": "https://ai.castlesubarumchenry.com/v/1C4HJXENXMW574251.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1C4HJXENXMW574251.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c4hjxenxmw574251/2021-jeep-wrangler-convertible", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$30,297"}], "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30297.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 30297.0, "price_incl_doc": 30297.0, "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": 755.85, "amount_financed": 32190.56, "sales_tax": 1893.56, "total_of_payments": 36280.74, "finance_charge": 4090.18, "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. $756 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,297, before any dealer documentation fee. Amount financed $32,191, including $1,894 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,281. 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_1C4HJXENXMW574251_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 630, "unit": "per_month", "display": "$630/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30297.0, "price_incl_doc": 30297.0, "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": 629.69, "amount_financed": 32190.56, "sales_tax": 1893.56, "total_of_payments": 37781.67, "finance_charge": 5591.11, "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. $630 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,297, before any dealer documentation fee. Amount financed $32,191, including $1,894 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,782. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4HJXENXMW574251_finance_72", "type": "finance_72", "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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1260, "unit": "per_month", "display": "$1,260/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50497.0, "price_incl_doc": 50497.0, "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": 1259.8, "amount_financed": 53653.06, "sales_tax": 3156.06, "total_of_payments": 60470.29, "finance_charge": 6817.23, "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. $1,260 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $50,497, before any dealer documentation fee. Amount financed $53,653, including $3,156 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $60,470. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 1050, "unit": "per_month", "display": "$1,050/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50497.0, "price_incl_doc": 50497.0, "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": 1049.53, "amount_financed": 53653.06, "sales_tax": 3156.06, "total_of_payments": 62971.95, "finance_charge": 9318.89, "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. $1,050 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $50,497, before any dealer documentation fee. Amount financed $53,653, including $3,156 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $62,972. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 914, "unit": "per_month", "display": "$914/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50497.0, "price_incl_doc": 50497.0, "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": 914.47, "amount_financed": 53653.06, "sales_tax": 3156.06, "total_of_payments": 65842.11, "finance_charge": 12189.05, "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. $914 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $50,497, before any dealer documentation fee. Amount financed $53,653, including $3,156 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $65,842. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 217}}, {"vin": "1FTFW1E58PKD64619", "title": "2023 Ford F-150 LARIAT", "year": 2023, "make": "Ford", "model": "F-150", "trim": "LARIAT", "decoded_trim": "SuperCrew", "condition": "used", "price": 39797.0, "msrp": 39797.0, "sale_price": 39797.0, "currency": "USD", "mileage": 82099, "exterior_color": "Hot Pepper Red Metallic Tinted Clearcoat", "interior_color": "Black", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V8 5.0 L", "engine_displacement_l": 5.0, "engine_cylinders": 8, "transmission": "10-Speed Automatic w/OD", "mpg_city": null, "mpg_hwy": 22, "range_miles": null, "battery_kwh": null, "stock_number": "M260485A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 31, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/d8dc2cf03b604d80b7f819155e3e24f1.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/d8dc2cf03b604d80b7f819155e3e24f1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4a8117329c1b40c2b2ed835974a4e08f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a6cbd568e3cb454b8412f8a90c4c5c19.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0dc7f1188f7e4d75b62dc6eedca3529d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f4de5574306f4f9cb6fc675fac0f3587.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2fe1692a3eac4c6aa5afa6c484dd2fdc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ac73f92726ab433c92b144351d4277f4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3d63619cb5d340fd8651995d1bcc3eda.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/54da5ef7c9db483b937d103673020d77.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b1f03652fa1643589736f71766f71426.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8e8e1ebc3f604dfebdf2b1fae5e7b4cf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b4bd1c21f804439a98bae401b6e61802.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a63e53e166944c778d90ea35c2a2aee7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/09e6ee4297d74439aef44ef4ae0a41ff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/39b34aab9f484ab3882554db8ad8c979.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/414c9c3ca7d94d8490dc14ea1f1dfa7a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6a7d2973ed064de29f04c3ed4fc20eb8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0342b15155824b09bc240220eb6d59f6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/559c2af1de324f998ef2c4248b02b1d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7d51b9b7b34b4e129a832a145865d76c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/10282df4c3da4193aa4a036f2052fe9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/516c86ff1a584ca8841aac1e0a7f3865.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/39c94c76825c485f8985f70809621808.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41cdc77e2b93447ab87cc02d2cbf7729.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/35f60264b6ef430784499c91a98766fb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d6cb21092fcd4163bda365d99f0e9a0f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0ac6eeca734342f1acf51cacbe7dc788.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/82183e518ad248bc8baa5b67a20c213a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f5de066a84543bc9291901350add672.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/83a9108c5c104aab9a35bb3e21b8a986.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ae7d1b08a32c46c4b00512b20eba027d.jpg"], "vin_decode": {"make": "Ford", "model": "F-150", "year": 2023, "trim": "SuperCrew", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "5.0L 8-Cylinder V-Shaped", "engine_displacement_l": 5.0, "cylinders": 8, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39797.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1FTFW1E58PKD64619.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ftfw1e58pkd64619/2023-ford-f-150-crew-cab-pickup", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ftfw1e58pkd64619/2023-ford-f-150-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1FTFW1E58PKD64619.html", "json_url": "https://ai.castlesubarumchenry.com/v/1FTFW1E58PKD64619.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1FTFW1E58PKD64619.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ftfw1e58pkd64619/2023-ford-f-150-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$39,797"}], "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39797.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FTFW1E58PKD64619_finance_48", "type": "finance_48", "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": 39797.0, "price_incl_doc": 39797.0, "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": 992.85, "amount_financed": 42284.31, "sales_tax": 2487.31, "total_of_payments": 47657.01, "finance_charge": 5372.7, "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. $993 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,797, before any dealer documentation fee. Amount financed $42,284, including $2,487 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $47,657. 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": 39797.0, "price_incl_doc": 39797.0, "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": 827.14, "amount_financed": 42284.31, "sales_tax": 2487.31, "total_of_payments": 49628.58, "finance_charge": 7344.27, "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. $827 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,797, before any dealer documentation fee. Amount financed $42,284, including $2,487 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $49,629. 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": 39797.0, "price_incl_doc": 39797.0, "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": 720.7, "amount_financed": 42284.31, "sales_tax": 2487.31, "total_of_payments": 51890.58, "finance_charge": 9606.27, "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. $721 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,797, before any dealer documentation fee. Amount financed $42,284, including $2,487 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $51,891. 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"}], "suppressed": [{"type": "price_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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 21997.0, "price_incl_doc": 21997.0, "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": 457.19, "amount_financed": 23371.81, "sales_tax": 1374.81, "total_of_payments": 27431.21, "finance_charge": 4059.4, "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. $457 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,997, before any dealer documentation fee. Amount financed $23,372, including $1,375 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,431. 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": 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 #MSL079, VIN 4S4GUHF67S3744219. $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. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 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 #MSL079, VIN 4S4GUHF67S3744219. $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. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_72", "type": "finance_72", "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": 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 #MSL079, VIN 4S4GUHF67S3744219. $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. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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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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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/ja4j4va88sz045268/2025-mitsubishi-outlander-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JA4J4VA88SZ045268.html", "json_url": "https://ai.castlesubarumchenry.com/v/JA4J4VA88SZ045268.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JA4J4VA88SZ045268.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/ja4j4va88sz045268/2025-mitsubishi-outlander-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "price_excl_doc_fee": null, 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,697"}], "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26697.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JA4J4VA88SZ045268_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 666, "unit": "per_month", "display": "$666/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26697.0, "price_incl_doc": 26697.0, "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": 666.04, "amount_financed": 28365.56, "sales_tax": 1668.56, "total_of_payments": 31969.73, "finance_charge": 3604.17, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2514, VIN JA4J4VA88SZ045268. $666 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,697, before any dealer documentation fee. Amount financed $28,366, including $1,669 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,970. 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_JA4J4VA88SZ045268_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 555, "unit": "per_month", "display": "$555/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26697.0, "price_incl_doc": 26697.0, "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": 554.87, "amount_financed": 28365.56, "sales_tax": 1668.56, "total_of_payments": 33292.31, "finance_charge": 4926.75, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2514, VIN JA4J4VA88SZ045268. $555 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,697, before any dealer documentation fee. Amount financed $28,366, including $1,669 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,292. 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": 26697.0, "price_incl_doc": 26697.0, "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": 483.47, "amount_financed": 28365.56, "sales_tax": 1668.56, "total_of_payments": 34809.73, "finance_charge": 6444.17, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2514, VIN JA4J4VA88SZ045268. $483 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,697, before any dealer documentation fee. Amount financed $28,366, including $1,669 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,810. 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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1v2fr2ca2sc525965/2025-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1V2FR2CA2SC525965.html", "json_url": "https://ai.castlesubarumchenry.com/v/1V2FR2CA2SC525965.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1V2FR2CA2SC525965.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1v2fr2ca2sc525965/2025-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43597.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 43597.0, "price_incl_doc": 43597.0, "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": 1087.66, "amount_financed": 46321.81, "sales_tax": 2724.81, "total_of_payments": 52207.52, "finance_charge": 5885.71, "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. $1,088 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $43,597, before any dealer documentation fee. Amount financed $46,322, including $2,725 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $52,208. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 906, "unit": "per_month", "display": "$906/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43597.0, "price_incl_doc": 43597.0, "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": 906.12, "amount_financed": 46321.81, "sales_tax": 2724.81, "total_of_payments": 54367.35, "finance_charge": 8045.54, "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. $906 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $43,597, before any dealer documentation fee. Amount financed $46,322, including $2,725 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $54,367. 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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31797.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 31797.0, "price_incl_doc": 31797.0, "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": 793.27, "amount_financed": 33784.31, "sales_tax": 1987.31, "total_of_payments": 38076.99, "finance_charge": 4292.68, "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. $793 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,797, before any dealer documentation fee. Amount financed $33,784, including $1,987 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,077. 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": 31797.0, "price_incl_doc": 31797.0, "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": 660.87, "amount_financed": 33784.31, "sales_tax": 1987.31, "total_of_payments": 39652.23, "finance_charge": 5867.92, "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. $661 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,797, before any dealer documentation fee. Amount financed $33,784, including $1,987 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,652. 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_KNDRH4JG0S5322792_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": 31797.0, "price_incl_doc": 31797.0, "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": 575.83, "amount_financed": 33784.31, "sales_tax": 1987.31, "total_of_payments": 41459.52, "finance_charge": 7675.21, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2502, VIN KNDRH4JG0S5322792. $576 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,797, before any dealer documentation fee. Amount financed $33,784, including $1,987 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,460. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 19890.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 19890.0, "price_incl_doc": 19890.0, "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": 496.22, "amount_financed": 21133.13, "sales_tax": 1243.13, "total_of_payments": 23818.33, "finance_charge": 2685.2, "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. $496 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $19,890, before any dealer documentation fee. Amount financed $21,133, including $1,243 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $23,818. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 19890.0, "price_incl_doc": 19890.0, "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": 413.39, "amount_financed": 21133.13, "sales_tax": 1243.13, "total_of_payments": 24803.7, "finance_charge": 3670.57, "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. $413 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $19,890, before any dealer documentation fee. Amount financed $21,133, including $1,243 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $24,804. 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": 19890.0, "price_incl_doc": 19890.0, "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": 360.2, "amount_financed": 21133.13, "sales_tax": 1243.13, "total_of_payments": 25934.21, "finance_charge": 4801.08, "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. $360 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $19,890, before any dealer documentation fee. Amount financed $21,133, including $1,243 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $25,934. 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": 230}}, {"vin": "4S4BTAFC9S3302357", "title": "2025 Subaru Outback Premium", "year": 2025, "make": "Subaru", "model": "Outback", "trim": "Premium", "decoded_trim": "Premium", "condition": "used", "price": 30883.0, "msrp": 38440.0, "sale_price": 30883.0, "currency": "USD", "mileage": 5129, "exterior_color": "Ice Silver Metallic", "interior_color": "Slate Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "MSL141", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 28, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/8a3cf842efe64ee2938795fc044bc985.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/8a3cf842efe64ee2938795fc044bc985.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c67165d8d526466ab2c7b5825ea64a17.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d5b77ea8cc0e436da292e5800b36cfa8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/966fca7943f74fc29e3b1666a1b6d31c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2163fdbb5e484bcb80649242adca78c3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b1d3d2d725274846a62cfe351193f2ac.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3e5549d1c1544fae98db50f51f0b17f6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b6343731c0a148649c3848e66d3879ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5998ac6e38cc42589289a95bbd6c9de8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/14a8d0a944044cda98c0272d60048886.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8a89c2ec8b8e4c87b15689af5011a040.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fe3eb77e465a4c3997bfa41ff8f59e73.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6b0520458cd14b2eb434752696d3f21a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/476b7f987ee94d4799d982da2b983aa4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/711cd4cbe3844016adb2332cd4ed0fcc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7fd78d57b83142399a1f18341f93ead2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/622fec82fc9b463ba223a3e952910d1e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/db509a3056c1440fb063ad66ab3fbba4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5d47ddfc6b89431889967043587ffb2c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/254b2d0035f847578664bfa5763b153c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dff0c229a327410ba756d845098c1010.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f1aed97bb4324fd9b8722ec320085021.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3679b3b1197944f891a43f1785ec1dfb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7860f8431ef34e29a68427a9bbc35b2c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/65951125947b49839c4a4192dfc7c5d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8cefcbc5516c46b7980b3b6642b60523.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/38b9bd9f76484ad1b382464ec22f67ba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6578c32760364541b8c8f2e5be50c57b.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": 38440.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4BTAFC9S3302357.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/4s4btafc9s3302357/2025-subaru-outback-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/4s4btafc9s3302357/2025-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4BTAFC9S3302357.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4BTAFC9S3302357.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4BTAFC9S3302357.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/4s4btafc9s3302357/2025-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30883.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 30883.0, "price_incl_doc": 30883.0, "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": 770.47, "amount_financed": 32813.19, "sales_tax": 1930.19, "total_of_payments": 36982.48, "finance_charge": 4169.29, "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. $770 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,883, before any dealer documentation fee. Amount financed $32,813, including $1,930 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,982. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 30883.0, "price_incl_doc": 30883.0, "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": 641.87, "amount_financed": 32813.19, "sales_tax": 1930.19, "total_of_payments": 38512.44, "finance_charge": 5699.25, "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. $642 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,883, before any dealer documentation fee. Amount financed $32,813, including $1,930 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,512. 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": 30883.0, "price_incl_doc": 30883.0, "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": 559.27, "amount_financed": 32813.19, "sales_tax": 1930.19, "total_of_payments": 40267.78, "finance_charge": 7454.59, "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. $559 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,883, before any dealer documentation fee. Amount financed $32,813, including $1,930 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,268. 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": 15249.0, "price_incl_doc": 15249.0, "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": 316.94, "amount_financed": 16202.06, "sales_tax": 953.06, "total_of_payments": 19016.16, "finance_charge": 2814.1, "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. $317 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $15,249, before any dealer documentation fee. Amount financed $16,202, including $953 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $19,016. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 276, "unit": "per_month", "display": "$276/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15249.0, "price_incl_doc": 15249.0, "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": 276.15, "amount_financed": 16202.06, "sales_tax": 953.06, "total_of_payments": 19882.89, "finance_charge": 3680.83, "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. $276 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $15,249, before any dealer documentation fee. Amount financed $16,202, including $953 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $19,883. 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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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 #MC260662A, VIN 1GC4YUE72LF143363. Advertised price: $46,497. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$46,497"}], "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1160, "unit": "per_month", "display": "$1,160/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46497.0, "price_incl_doc": 46497.0, "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": 1160.01, "amount_financed": 49403.06, "sales_tax": 2906.06, "total_of_payments": 55680.28, "finance_charge": 6277.22, "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. $1,160 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $46,497, before any dealer documentation fee. Amount financed $49,403, including $2,906 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $55,680. 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"}, {"offer_id": "of_1GC4YUE72LF143363_finance_60", "type": "finance_60", "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": 46497.0, "price_incl_doc": 46497.0, "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": 966.4, "amount_financed": 49403.06, "sales_tax": 2906.06, "total_of_payments": 57983.77, "finance_charge": 8580.71, "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. $966 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,497, before any dealer documentation fee. Amount financed $49,403, including $2,906 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $57,984. 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_1GC4YUE72LF143363_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 842, "unit": "per_month", "display": "$842/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46497.0, "price_incl_doc": 46497.0, "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": 842.04, "amount_financed": 49403.06, "sales_tax": 2906.06, "total_of_payments": 60626.58, "finance_charge": 11223.52, "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. $842 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $46,497, before any dealer documentation fee. Amount financed $49,403, including $2,906 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $60,627. 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_3GCUDCED0RG150847_finance_36", "type": "finance_36", "label": "Finance", "headline": {"value": 1242, "unit": "per_month", "display": "$1,242/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": 41497.0, "price_incl_doc": 41497.0, "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": 1241.81, "amount_financed": 44090.56, "sales_tax": 2593.56, "total_of_payments": 44704.99, "finance_charge": 614.43, "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. $1,242 per month for 36 months at 0.9% APR, $0 cash down. Advertised price $41,497, before any dealer documentation fee. Amount financed $44,091, including $2,594 estimated sales tax at 6.25%. That is $28.16 per $1,000 financed. Total of payments $44,705. 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": 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_3GCUDCED0RG150847_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 735, "unit": "per_month", "display": "$735/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": 41497.0, "price_incl_doc": 41497.0, "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": 734.84, "amount_financed": 44090.56, "sales_tax": 2593.56, "total_of_payments": 44090.56, "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. $735 per month for 60 months at 0% APR, $0 cash down. Advertised price $41,497, before any dealer documentation fee. Amount financed $44,091, including $2,594 estimated sales tax at 6.25%. That is $16.67 per $1,000 financed. Total of payments $44,091. 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": 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDNC5K30S6472720_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 911, "unit": "per_month", "display": "$911/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36497.0, "price_incl_doc": 36497.0, "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": 910.53, "amount_financed": 38778.06, "sales_tax": 2281.06, "total_of_payments": 43705.25, "finance_charge": 4927.19, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2509, VIN KNDNC5K30S6472720. $911 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $36,497, before any dealer documentation fee. Amount financed $38,778, including $2,281 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $43,705. 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": 36497.0, "price_incl_doc": 36497.0, "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": 758.56, "amount_financed": 38778.06, "sales_tax": 2281.06, "total_of_payments": 45513.34, "finance_charge": 6735.28, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2509, VIN KNDNC5K30S6472720. $759 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $36,497, before any dealer documentation fee. Amount financed $38,778, including $2,281 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $45,513. 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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23648.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMJB3DEXSH445385_finance_48", "type": "finance_48", "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": 23648.0, "price_incl_doc": 23648.0, "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": 589.97, "amount_financed": 25126.0, "sales_tax": 1478.0, "total_of_payments": 28318.54, "finance_charge": 3192.54, "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. $590 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,648, before any dealer documentation fee. Amount financed $25,126, including $1,478 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,319. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 23648.0, "price_incl_doc": 23648.0, "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": 491.5, "amount_financed": 25126.0, "sales_tax": 1478.0, "total_of_payments": 29490.08, "finance_charge": 4364.08, "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. $492 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,648, before any dealer documentation fee. Amount financed $25,126, including $1,478 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,490. 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_5NMJB3DEXSH445385_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 428, "unit": "per_month", "display": "$428/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23648.0, "price_incl_doc": 23648.0, "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": 428.25, "amount_financed": 25126.0, "sales_tax": 1478.0, "total_of_payments": 30834.19, "finance_charge": 5708.19, "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. $428 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,648, before any dealer documentation fee. Amount financed $25,126, including $1,478 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,834. 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"}], "suppressed": [{"type": "price_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": 262}}, {"vin": "1C6SRFFT2NN427555", "title": "2022 RAM 1500 Big Horn", "year": 2022, "make": "RAM", "model": "1500", "trim": "Big Horn", "decoded_trim": "Big Horn, Lone Star", "condition": "used", "price": 32997.0, "msrp": 32997.0, "sale_price": 32997.0, "currency": "USD", "mileage": 37417, "exterior_color": "Granite Crystal Metallic Clearcoat", "interior_color": "Diesel Gray/Black", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-8 5.7 L/345", "engine_displacement_l": 5.7, "engine_cylinders": 8, "transmission": "8-Speed Automatic w/OD", "mpg_city": 18, "mpg_hwy": 22, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7840", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 32, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/41986ceadd2a4ee19401fb21d6157ee6.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/41986ceadd2a4ee19401fb21d6157ee6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd46d16901de4f65bb9673195301e8ed.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e080b069fdd94f42982b9fb7b03346f1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d94599b0ee874e15953c341b5ed1543c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a98aa71618844c898be9a6c79e8e2680.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/567aada80f454a04837c9c6273ce2330.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed6f4f5b359b401c86796c17561f6465.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/556801a920a640f79ee50ba78d631ade.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/14d00790038f47199352098b4611a394.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a867afb7053043a4a020213b286f1d49.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/552dffad8aff4ce1be0d49e453ef1dd7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/84924856fe8f44a79882ffdbbbee0d1f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/af518f6b595b4a6f812261e837f3c969.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cecec63ce3274dfdbb1b1b21fefc23a6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/961f92de7bee4deeabad5c73c9df0fdf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/036b6b2c321b4587821073acf78650d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ca3f628c776458cb0e7a9984a97d6c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/476f2de0bc65459fa2e275f0747bce1c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed20d6bc8e24413da1f7749de7f98a07.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a8ceabfd27b9467eb1e324a224e56e2a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fbd7bd261a07413191588709dee7fa2a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7fe09cfce9024547a98f87890e07aa34.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5e1b655ff16c4c5fab2aacc029f891e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28fd6c94d696403380df7b75f88be5db.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7f9701a312eb4cc9aa52e65c3e8b94f0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/803c208768df40169611f8026ae4c4b4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6160ede4ad9b4f3e86c0b4d3bfd34766.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/58d1938a64af4107a3a603cf43b8fcc6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba0caa52ba3a4f97b39f93157403f8e4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/514a1073139e495c9be44958a3eaff0b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a0458564c8284e78970af06e39d5ccf7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5806d803c1714b76be5fc37df57bc6bd.jpg"], "vin_decode": {"make": "Ram", "model": "1500", "year": 2022, "trim": "Big Horn, Lone Star", "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 32997.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1C6SRFFT2NN427555.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c6srfft2nn427555/2022-ram-1500-crew-cab-pickup", "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C6SRFFT2NN427555_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": 32997.0, "price_incl_doc": 32997.0, "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": 823.21, "amount_financed": 35059.31, "sales_tax": 2062.31, "total_of_payments": 39513.99, "finance_charge": 4454.68, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7840, VIN 1C6SRFFT2NN427555. $823 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,997, before any dealer documentation fee. Amount financed $35,059, including $2,062 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,514. 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": 32997.0, "price_incl_doc": 32997.0, "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": 685.81, "amount_financed": 35059.31, "sales_tax": 2062.31, "total_of_payments": 41148.69, "finance_charge": 6089.38, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7840, VIN 1C6SRFFT2NN427555. $686 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,997, before any dealer documentation fee. Amount financed $35,059, including $2,062 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,149. 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": 32997.0, "price_incl_doc": 32997.0, "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": 597.56, "amount_financed": 35059.31, "sales_tax": 2062.31, "total_of_payments": 43024.18, "finance_charge": 7964.87, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7840, VIN 1C6SRFFT2NN427555. $598 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,997, before any dealer documentation fee. Amount financed $35,059, including $2,062 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $43,024. 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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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1fdxe4fn9mdc38336/2021-ford-e-series-cutaway-specialty-vehicle", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1FDXE4FN9MDC38336.html", "json_url": "https://ai.castlesubarumchenry.com/v/1FDXE4FN9MDC38336.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1FDXE4FN9MDC38336.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1fdxe4fn9mdc38336/2021-ford-e-series-cutaway-specialty-vehicle", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$29,497"}], "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": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 29497.0, "price_incl_doc": 29497.0, "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": 735.89, "amount_financed": 31340.56, "sales_tax": 1843.56, "total_of_payments": 35322.73, "finance_charge": 3982.17, "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. $736 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,497, before any dealer documentation fee. Amount financed $31,341, including $1,844 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,323. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 29497.0, "price_incl_doc": 29497.0, "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": 613.07, "amount_financed": 31340.56, "sales_tax": 1843.56, "total_of_payments": 36784.04, "finance_charge": 5443.48, "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. $613 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,497, before any dealer documentation fee. Amount financed $31,341, including $1,844 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,784. 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_1GYKNDRS4PZ169704_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 745, "unit": "per_month", "display": "$745/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29850.0, "price_incl_doc": 29850.0, "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": 744.7, "amount_financed": 31715.63, "sales_tax": 1865.63, "total_of_payments": 35745.46, "finance_charge": 4029.83, "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. $745 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,850, before any dealer documentation fee. Amount financed $31,716, including $1,866 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,745. 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"}, {"offer_id": "of_1GYKNDRS4PZ169704_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29850.0, "price_incl_doc": 29850.0, "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": 620.4, "amount_financed": 31715.63, "sales_tax": 1865.63, "total_of_payments": 37224.25, "finance_charge": 5508.62, "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. $620 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,850, before any dealer documentation fee. Amount financed $31,716, including $1,866 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,224. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 541, "unit": "per_month", "display": "$541/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29850.0, "price_incl_doc": 29850.0, "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": 540.57, "amount_financed": 31715.63, "sales_tax": 1865.63, "total_of_payments": 38920.87, "finance_charge": 7205.24, "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. $541 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,850, before any dealer documentation fee. Amount financed $31,716, including $1,866 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $38,921. 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"}], "suppressed": [{"type": "price_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": 271}}, {"vin": "3VV2B7AX4RM134576", "title": "2024 Volkswagen Tiguan SE", "year": 2024, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "4Motion SE Wolfsburg Edition", "condition": "used", "price": 22797.0, "msrp": 22797.0, "sale_price": 22797.0, "currency": "USD", "mileage": 59936, "exterior_color": "White", "interior_color": null, "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 22, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MKP2520", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 11, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/698a2cb96ef64596ac958877e9aa5090.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/698a2cb96ef64596ac958877e9aa5090.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b917b5b800ad49028ab10558b8cd9d0e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3ea6dd2ef85146899a90ef8f4f77901b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cf4b48e8248f4ce389881e02ffe98b3f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c999a969e09949feb92dea7c5b8c556e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cb7b530223784b68ab1be91a8ef07531.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3abccceaa1de47b4891d7c19f3c64723.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/34ea5089174a467ba93f55f4edbcf24a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9030b79dc0114e9c86aa200d3096719c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cfc51d680df845b2b9f0a9315b3579c5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/805bee4ab87f4e57946c28960d518f1c.jpg"], "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": 22797.0, "monroney_url": null, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vv2b7ax4rm134576/2024-volkswagen-tiguan-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vv2b7ax4rm134576/2024-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3VV2B7AX4RM134576.html", "json_url": "https://ai.castlesubarumchenry.com/v/3VV2B7AX4RM134576.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3VV2B7AX4RM134576.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vv2b7ax4rm134576/2024-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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: $22,797. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$22,797"}], "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22797.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 22797.0, "price_incl_doc": 22797.0, "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": 568.74, "amount_financed": 24221.81, "sales_tax": 1424.81, "total_of_payments": 27299.47, "finance_charge": 3077.66, "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. $569 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,797, before any dealer documentation fee. Amount financed $24,222, including $1,425 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,299. 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"}, {"offer_id": "of_3VV2B7AX4RM134576_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": 22797.0, "price_incl_doc": 22797.0, "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": 473.81, "amount_financed": 24221.81, "sales_tax": 1424.81, "total_of_payments": 28428.84, "finance_charge": 4207.03, "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. $474 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,797, before any dealer documentation fee. Amount financed $24,222, including $1,425 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,429. 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": 22797.0, "price_incl_doc": 22797.0, "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": 412.84, "amount_financed": 24221.81, "sales_tax": 1424.81, "total_of_payments": 29724.59, "finance_charge": 5502.78, "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. $413 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,797, before any dealer documentation fee. Amount financed $24,222, including $1,425 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,725. 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"}], "suppressed": [{"type": "price_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_KMHLP4DG0RU834519_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": 20997.0, "price_incl_doc": 20997.0, "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": 523.83, "amount_financed": 22309.31, "sales_tax": 1312.31, "total_of_payments": 25143.96, "finance_charge": 2834.65, "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. $524 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $20,997, before any dealer documentation fee. Amount financed $22,309, including $1,312 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,144. 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_KMHLP4DG0RU834519_finance_60", "type": "finance_60", "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": 20997.0, "price_incl_doc": 20997.0, "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": 436.4, "amount_financed": 22309.31, "sales_tax": 1312.31, "total_of_payments": 26184.17, "finance_charge": 3874.86, "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. $436 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $20,997, before any dealer documentation fee. Amount financed $22,309, including $1,312 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,184. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 20997.0, "price_incl_doc": 20997.0, "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": 380.24, "amount_financed": 22309.31, "sales_tax": 1312.31, "total_of_payments": 27377.6, "finance_charge": 5068.29, "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. $380 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $20,997, before any dealer documentation fee. Amount financed $22,309, including $1,312 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $27,378. 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. 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": 289}}, {"vin": "3GTNUAED5SG120077", "title": "2025 GMC Sierra 1500 Pro", "year": 2025, "make": "GMC", "model": "Sierra 1500", "trim": "Pro", "decoded_trim": "Fleet/Base", "condition": "used", "price": 38675.0, "msrp": 49320.0, "sale_price": 38675.0, "currency": "USD", "mileage": 4534, "exterior_color": "Summit White", "interior_color": "Jet Black", "drivetrain": "4WD", "body_style": "Regular Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 2, "seating_capacity": null, "engine": "Gas V8 5.3L/325", "engine_displacement_l": 5.3, "engine_cylinders": 8, "transmission": "10-Speed Automatic", "mpg_city": 15, "mpg_hwy": 19, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7873", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 30, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/325980b0eaf849b98942a26d944b37c9.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/325980b0eaf849b98942a26d944b37c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d3716b59a504aa9926d94fd5397fe88.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66c61cd44ef643a79c783836dc3c8151.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/507f97c10e394fe38d839edab70d01ba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4af7c429180a4821a4558e549b6b3b51.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/40af85cda8394a4e94872ff0ae960b7d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8ce20ca7b6a0454b899836aa3cd2c6d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f96949281c7e4d4a954ff58fe1dcc18b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/598c57da877b49149636094ff2299748.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0be00cba9ff644b9bf3a09e7c3e7432f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66cd184eea6840fba810a6cde9b447ec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5958a825a0ae4592bd75c5b429d9f695.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/10eeeee0426543aca2a7c889829f1361.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/15e7fa08b48f4cacb248c6e20d886dba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/74e5c9d6c6bc4172b00a5153afcf84f8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba93149d9f8940b69e077cff5b4b87e9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e371f3f256774100a05e0cb3f1787ff0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3832e309ac8041a19121b72c634b309e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/09068c925682476c9d5fb20e1f1b89ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1c34ab8a25c040fcabb1aef24ca45184.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2fc5b92693a140ddba9885384a7f8810.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa3062da692847a9b93bd6fa9846400c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ef2b288eed964240a896117e9c37e853.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f71d1cc807434586903e88d46e464381.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dd55a6374761490b85df806157f86001.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bcce9d79362b41ec8154d94713e6703d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8418af0f6bff4ff9a4911a408fedd338.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cce82e8831114cbbbb012907d2c3cd89.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aaeb399eb0784082909efc40ef25399d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/63fab43aa7b44c609185b98f4fe7f7a5.jpg"], "vin_decode": {"make": "Gmc", "model": "Sierra", "year": 2025, "trim": "Fleet/Base", "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": 49320.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/3GTNUAED5SG120077.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3gtnuaed5sg120077/2025-gmc-sierra-1500-regular-cab-pickup", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3gtnuaed5sg120077/2025-gmc-sierra-1500-regular-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3GTNUAED5SG120077.html", "json_url": "https://ai.castlesubarumchenry.com/v/3GTNUAED5SG120077.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3GTNUAED5SG120077.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3gtnuaed5sg120077/2025-gmc-sierra-1500-regular-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MCP7873, VIN 3GTNUAED5SG120077. Advertised price: $38,675. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$38,675"}], "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38675.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 38675.0, "price_incl_doc": 38675.0, "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": 964.86, "amount_financed": 41092.19, "sales_tax": 2417.19, "total_of_payments": 46313.42, "finance_charge": 5221.23, "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. $965 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,675, before any dealer documentation fee. Amount financed $41,092, including $2,417 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $46,313. 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_3GTNUAED5SG120077_finance_60", "type": "finance_60", "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": 38675.0, "price_incl_doc": 38675.0, "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": 803.82, "amount_financed": 41092.19, "sales_tax": 2417.19, "total_of_payments": 48229.41, "finance_charge": 7137.22, "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. $804 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,675, before any dealer documentation fee. Amount financed $41,092, including $2,417 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $48,229. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_72", "type": "finance_72", "label": "Finance", "headline": {"value": 700, "unit": "per_month", "display": "$700/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38675.0, "price_incl_doc": 38675.0, "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": 700.38, "amount_financed": 41092.19, "sales_tax": 2417.19, "total_of_payments": 50427.63, "finance_charge": 9335.44, "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. $700 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $38,675, before any dealer documentation fee. Amount financed $41,092, including $2,417 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $50,428. 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"}], "suppressed": [{"type": "price_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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/5n1az3bs3sc136646/2025-nissan-murano-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/5N1AZ3BS3SC136646.html", "json_url": "https://ai.castlesubarumchenry.com/v/5N1AZ3BS3SC136646.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/5N1AZ3BS3SC136646.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/5n1az3bs3sc136646/2025-nissan-murano-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34597.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 863, "unit": "per_month", "display": "$863/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34597.0, "price_incl_doc": 34597.0, "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": 863.12, "amount_financed": 36759.31, "sales_tax": 2162.31, "total_of_payments": 41430.0, "finance_charge": 4670.69, "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. $863 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,597, before any dealer documentation fee. Amount financed $36,759, including $2,162 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,430. 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"}, {"offer_id": "of_5N1AZ3BS3SC136646_finance_60", "type": "finance_60", "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": 34597.0, "price_incl_doc": 34597.0, "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": 719.07, "amount_financed": 36759.31, "sales_tax": 2162.31, "total_of_payments": 43143.96, "finance_charge": 6384.65, "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. $719 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,597, before any dealer documentation fee. Amount financed $36,759, including $2,162 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,144. 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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 13990.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 349, "unit": "per_month", "display": "$349/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13990.0, "price_incl_doc": 13990.0, "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": 349.02, "amount_financed": 14864.38, "sales_tax": 874.38, "total_of_payments": 16753.07, "finance_charge": 1888.69, "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. $349 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $13,990, before any dealer documentation fee. Amount financed $14,864, including $874 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $16,753. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 291, "unit": "per_month", "display": "$291/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13990.0, "price_incl_doc": 13990.0, "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": 290.77, "amount_financed": 14864.38, "sales_tax": 874.38, "total_of_payments": 17446.14, "finance_charge": 2581.76, "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. $291 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $13,990, before any dealer documentation fee. Amount financed $14,864, including $874 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $17,446. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 253, "unit": "per_month", "display": "$253/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13990.0, "price_incl_doc": 13990.0, "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": 253.35, "amount_financed": 14864.38, "sales_tax": 874.38, "total_of_payments": 18241.31, "finance_charge": 3376.93, "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. $253 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $13,990, before any dealer documentation fee. Amount financed $14,864, including $874 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $18,241. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 241}}, {"vin": "5XYP3DGC6PG408309", "title": "2023 Kia Telluride EX", "year": 2023, "make": "Kia", "model": "Telluride", "trim": "EX", "decoded_trim": "EX, EX X-Line", "condition": "used", "price": 34697.0, "msrp": 34697.0, "sale_price": 34697.0, "currency": "USD", "mileage": 35644, "exterior_color": "Ebony Black", "interior_color": "Navy", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.8 L/231", "engine_displacement_l": 3.8, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 18, "mpg_hwy": 24, "range_miles": null, "battery_kwh": null, "stock_number": "MKP2518", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 12, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ff732bf16b184996b436df34af89043c.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ff732bf16b184996b436df34af89043c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2c3c0f59cf04b4e9bf48319a4d5cc9b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5713805e7d63400b95260043a4ab25c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7e6dbd5a2ee54916bf275502ece3ee3e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4650d44ad17246e6a16b319147fe16f3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d3697b99b2af4188b20d45a138e30a93.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0715f163a0164de388993e2677e73cdb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad773a5a494a47c49f6b9676a67ce809.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f2fc55352cef47fa8a04aae9f2512e29.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6957332f91a146f8ad0199db01a9e171.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c1333c4de7bb4ab0b1995ec0b9c28452.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/41817e763cb44cf289cb8cd5a322ca48.jpg"], "vin_decode": {"make": "Kia", "model": "Telluride", "year": 2023, "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": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34697.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/5XYP3DGC6PG408309.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/5xyp3dgc6pg408309/2023-kia-telluride-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/5xyp3dgc6pg408309/2023-kia-telluride-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/5XYP3DGC6PG408309.html", "json_url": "https://ai.castlesubarumchenry.com/v/5XYP3DGC6PG408309.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/5XYP3DGC6PG408309.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/5xyp3dgc6pg408309/2023-kia-telluride-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MKP2518, VIN 5XYP3DGC6PG408309. Advertised price: $34,697. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$34,697"}], "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34697.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 34697.0, "price_incl_doc": 34697.0, "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": 865.62, "amount_financed": 36865.56, "sales_tax": 2168.56, "total_of_payments": 41549.75, "finance_charge": 4684.19, "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. $866 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,697, before any dealer documentation fee. Amount financed $36,866, including $2,169 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,550. 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_5XYP3DGC6PG408309_finance_60", "type": "finance_60", "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": 34697.0, "price_incl_doc": 34697.0, "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": 721.14, "amount_financed": 36865.56, "sales_tax": 2168.56, "total_of_payments": 43268.66, "finance_charge": 6403.1, "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. $721 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,697, before any dealer documentation fee. Amount financed $36,866, including $2,169 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,269. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 34697.0, "price_incl_doc": 34697.0, "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": 628.34, "amount_financed": 36865.56, "sales_tax": 2168.56, "total_of_payments": 45240.78, "finance_charge": 8375.22, "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. $628 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,697, before any dealer documentation fee. Amount financed $36,866, including $2,169 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,241. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3C4NJDCB7NT174732_finance_48", "type": "finance_48", "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": 23497.0, "price_incl_doc": 23497.0, "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": 586.2, "amount_financed": 24965.56, "sales_tax": 1468.56, "total_of_payments": 28137.72, "finance_charge": 3172.16, "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. $586 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,497, before any dealer documentation fee. Amount financed $24,966, including $1,469 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,138. 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": 23497.0, "price_incl_doc": 23497.0, "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": 488.36, "amount_financed": 24965.56, "sales_tax": 1468.56, "total_of_payments": 29301.78, "finance_charge": 4336.22, "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. $488 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,497, before any dealer documentation fee. Amount financed $24,966, including $1,469 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,302. 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"}, {"offer_id": "of_3C4NJDCB7NT174732_finance_72", "type": "finance_72", "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": 23497.0, "price_incl_doc": 23497.0, "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": 425.52, "amount_financed": 24965.56, "sales_tax": 1468.56, "total_of_payments": 30637.3, "finance_charge": 5671.74, "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. $426 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,497, before any dealer documentation fee. Amount financed $24,966, including $1,469 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,637. 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_5XYK3CDF3TG425419_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 783, "unit": "per_month", "display": "$783/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31405.0, "price_incl_doc": 31405.0, "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": 783.49, "amount_financed": 33367.81, "sales_tax": 1962.81, "total_of_payments": 37607.57, "finance_charge": 4239.76, "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. $783 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,405, before any dealer documentation fee. Amount financed $33,368, including $1,963 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,608. 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_5XYK3CDF3TG425419_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": 31405.0, "price_incl_doc": 31405.0, "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": 652.72, "amount_financed": 33367.81, "sales_tax": 1962.81, "total_of_payments": 39163.39, "finance_charge": 5795.58, "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. $653 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,405, before any dealer documentation fee. Amount financed $33,368, including $1,963 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,163. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 31405.0, "price_incl_doc": 31405.0, "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": 568.73, "amount_financed": 33367.81, "sales_tax": 1962.81, "total_of_payments": 40948.4, "finance_charge": 7580.59, "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. $569 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,405, before any dealer documentation fee. Amount financed $33,368, including $1,963 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,948. 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"}], "suppressed": [{"type": "price_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": "KNAG64J72T5458918", "title": "2026 Kia K5 GT-Line", "year": 2026, "make": "Kia", "model": "K5", "trim": "GT-Line", "decoded_trim": "GT-Line", "condition": "used", "price": 28424.0, "msrp": 31515.0, "sale_price": 28424.0, "currency": "USD", "mileage": 858, "exterior_color": "Aurora Black Pearl", "interior_color": "Black", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MK260272", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/7aac34c8abdb48f7b7419379c179233d.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/7aac34c8abdb48f7b7419379c179233d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/612fe31519714daf8534c2a0bf1779df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fcae6dad6dd2421f8533e382658f851e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/96f3eb30b4644765b66795c5c3d73fbe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8b0697f6c07742448a37ca55666d4df2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3df290dc359549eb9f4bf49020f4dc2a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c25a6c77433342a797497765e269a525.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f3d534d43c8c4113838e5a577d5134a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5b70f044425a4e8d81697fc19a28ee98.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d87212c73bcd4c089b730c7625b51e47.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8c8f8437d05643fe9e0681c2428155d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/45b2857643eb47e6902a605f74c7b889.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f1513c8a7d0f49dd880e11321af891e3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a469f798904944beb1cf9eb274f51db7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2c0737e0c52341cab85f0ec655119636.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/342b73cce9454540bb3b44871b0f26c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/11715f34dd5c4f769aa9bc31b489ce48.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1b489750b54b42d982b8fa2952fa1b95.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/16d804ef066e4cbfa0fd80e7022ce597.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/49196f77e4e84c94bc0cd9910f33317a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0dd63c763a4d4d28a21910f4e7bd6f21.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/99e63188aeee4901ba547bdc582b62b9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2bcfb81224c84fe3871b796cf4710491.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ceb226bb054414cb8c9cfed1ecfecf7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2eb199b3a35a47a88e564fbaef52581b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f86a4b2c6ded4912945f08ddecaf1688.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fe5bba86dbac4010bf0af5ac8297b3e1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8dab07bbd44b466db914babcf9ef3abb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/54b547524ebc4777bbdc3d87914e52ee.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fb4b7d4d840b4407bf4d56a5d7b98c44.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/959c68236e3f4ad2b644fcd9f16b7393.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/866f715293284db7bd791a28a8990b9d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3c82a4d32d5e478db1bec827add7436b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/543a22473cd64f5b80c9ee33c37c3aa8.jpg"], "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": 31515.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/KNAG64J72T5458918.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/knag64j72t5458918/2026-kia-k5-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/knag64j72t5458918/2026-kia-k5-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/KNAG64J72T5458918.html", "json_url": "https://ai.castlesubarumchenry.com/v/KNAG64J72T5458918.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/KNAG64J72T5458918.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/knag64j72t5458918/2026-kia-k5-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$28,424"}], "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28424.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J72T5458918_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": 28424.0, "price_incl_doc": 28424.0, "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": 709.12, "amount_financed": 30200.5, "sales_tax": 1776.5, "total_of_payments": 34037.82, "finance_charge": 3837.32, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260272, VIN KNAG64J72T5458918. $709 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,424, before any dealer documentation fee. Amount financed $30,200, including $1,776 estimated sales tax at 6.25%. That is $23.48 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_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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28424.0, "price_incl_doc": 28424.0, "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": 590.77, "amount_financed": 30200.5, "sales_tax": 1776.5, "total_of_payments": 35445.96, "finance_charge": 5245.46, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260272, VIN KNAG64J72T5458918. $591 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,424, before any dealer documentation fee. Amount financed $30,200, including $1,776 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,446. 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_KL77LFEP3SC138967_finance_36", "type": "finance_36", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19797.0, "price_incl_doc": 19797.0, "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": 584.29, "amount_financed": 21034.31, "sales_tax": 1237.31, "total_of_payments": 21034.31, "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. $584 per month for 36 months at 0% APR, $0 cash down. Advertised price $19,797, before any dealer documentation fee. Amount financed $21,034, including $1,237 estimated sales tax at 6.25%. That is $27.78 per $1,000 financed. Total of payments $21,034. 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": 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": 402, "unit": "per_month", "display": "$402/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19797.0, "price_incl_doc": 19797.0, "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": 401.68, "amount_financed": 21034.31, "sales_tax": 1237.31, "total_of_payments": 24100.96, "finance_charge": 3066.65, "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. $402 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $19,797, before any dealer documentation fee. Amount financed $21,034, including $1,237 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $24,101. 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_KL77LFEP3SC138967_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 348, "unit": "per_month", "display": "$348/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19797.0, "price_incl_doc": 19797.0, "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": 348.5, "amount_financed": 21034.31, "sales_tax": 1237.31, "total_of_payments": 25092.0, "finance_charge": 4057.69, "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. $348 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $19,797, before any dealer documentation fee. Amount financed $21,034, including $1,237 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $25,092. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 223}}, {"vin": "3VVFB7AX3RM139110", "title": "2024 Volkswagen Tiguan S", "year": 2024, "make": "Volkswagen", "model": "Tiguan", "trim": "S", "decoded_trim": "4Motion S", "condition": "used", "price": 23997.0, "msrp": 23997.0, "sale_price": 23997.0, "currency": "USD", "mileage": 34961, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Titan Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 22, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MS260393A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 31, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ff45609ddb4b4068aa102d38084dcc01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ff45609ddb4b4068aa102d38084dcc01.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/beb3cdf5a3854aee90874d8f18837bf7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5eed8119c6974b2aa9a61f27564dc4c4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e55e72d1eac349d2afcb9e0cf1527466.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9ad37d83e4dc4007b6b5a5ee93673f7f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8fa325a7e53d42988d6a843d213c1257.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2be3ba156ecb4e82b94fefedff2ba3ea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/140e7e911dcc405087e5a52b6d8652e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5da56a50ad654d539406df9b6fc47b3b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8c24159034b542869de76f62abba238b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/730ece1caab54d3d922f0a43dc22a3fe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9ecb2024d76f4a4bb435042d60aa1cdc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b4cec04980d84bd9a3a9bc6018e95da5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/abd96ae279714b2fb8ec42a43863f646.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b0dfaeff36744e5ca887166763ee3447.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/67fb457baf664ad1ab3440d75f5011a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/79938975e0b14478838cf7db5ad33126.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff409cebdc804803add5716faff0998d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e03b7b6a91554a8ea3d62b348344866f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e4170516e62f4535b2970686386a092b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/433ddd8a21114253b9aa875cee0da596.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4cd3e816dbac47709d730d6cf9b17fa5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/062149ad8d9f48aa88e5545a965431f7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7f42217992f44cd48231cf3228114922.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/13af1a56859d4520b10bfd3544ff04d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3c5830f07b3d4075b846faee6c855bd6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c1463dcd73b14f16bc696cfee9d8cf47.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/317060e63b994ec58c9efb214543c4e1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28adabc6af6046b5b7470f4380a66709.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/98e367c771a54892b1a697e8855f9115.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8758f919a2e749f7a4492fec565cff64.jpg"], "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": 23997.0, "monroney_url": null, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vvfb7ax3rm139110/2024-volkswagen-tiguan-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vvfb7ax3rm139110/2024-volkswagen-tiguan-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3VVFB7AX3RM139110.html", "json_url": "https://ai.castlesubarumchenry.com/v/3VVFB7AX3RM139110.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3VVFB7AX3RM139110.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vvfb7ax3rm139110/2024-volkswagen-tiguan-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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: $23,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$23,997"}], "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 23997.0, "price_incl_doc": 23997.0, "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": 598.68, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 28736.47, "finance_charge": 3239.66, "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. $599 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,736. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 23997.0, "price_incl_doc": 23997.0, "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": 498.75, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 29925.3, "finance_charge": 4428.49, "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. $499 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,925. 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_3VVFB7AX3RM139110_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23997.0, "price_incl_doc": 23997.0, "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": 434.57, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 31289.25, "finance_charge": 5792.44, "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. $435 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,289. 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"}], "suppressed": [{"type": "price_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": 248}}, {"vin": "1G1ZD5ST1KF147484", "title": "2019 Chevrolet Malibu LT", "year": 2019, "make": "Chevrolet", "model": "Malibu", "trim": "LT", "decoded_trim": "LT (1LT)", "condition": "used", "price": 10997.0, "msrp": 10997.0, "sale_price": 10997.0, "currency": "USD", "mileage": 107001, "exterior_color": "Pacific Blue Metallic", "interior_color": "Jet Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Turbocharged Gas I4 1.5L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "1-Speed Automatic", "mpg_city": 29, "mpg_hwy": 36, "range_miles": null, "battery_kwh": null, "stock_number": "MSK277", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 12, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/a906d39fc6074d32ac29c20a2301c339.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/a906d39fc6074d32ac29c20a2301c339.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b66222d8c7fd4e50bdd81802f0ac6ced.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2a3c745417442d6ac313d71b479c3a6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a33730a0185a4fec92e81b2e67f8615f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2d1b5d6453bb44bba9512680b0f08ee2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/848b1c8607f9446b88da2e2005272da9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8effed739dff449683bb278c406cf6a5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/76ea9e2027bf4105b46828951df57dc7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/121d66e91de84f829c5eb88abf82e787.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1fe03403478343f28776adb654bd7b76.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44fb84cc1dcd4044a394ea836949985e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/96ef935ef07240dda1b2425bff2c9afb.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Malibu", "year": 2019, "trim": "LT (1LT)", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "1.5L 4-Cylinder In-Line", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 10997.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1G1ZD5ST1KF147484.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1g1zd5st1kf147484/2019-chevrolet-malibu-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1g1zd5st1kf147484/2019-chevrolet-malibu-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1G1ZD5ST1KF147484.html", "json_url": "https://ai.castlesubarumchenry.com/v/1G1ZD5ST1KF147484.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1G1ZD5ST1KF147484.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1g1zd5st1kf147484/2019-chevrolet-malibu-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 10997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 10997.0, "price_incl_doc": 10997.0, "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": 223.13, "amount_financed": 11684.31, "sales_tax": 687.31, "total_of_payments": 13387.8, "finance_charge": 1703.49, "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. $223 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $10,997, before any dealer documentation fee. Amount financed $11,684, including $687 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $13,388. 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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26197.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8JECD12RU156049_finance_48", "type": "finance_48", "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": 26197.0, "price_incl_doc": 26197.0, "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": 653.56, "amount_financed": 27834.31, "sales_tax": 1637.31, "total_of_payments": 31370.97, "finance_charge": 3536.66, "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. $654 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,197, before any dealer documentation fee. Amount financed $27,834, including $1,637 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,371. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 26197.0, "price_incl_doc": 26197.0, "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": 544.48, "amount_financed": 27834.31, "sales_tax": 1637.31, "total_of_payments": 32668.79, "finance_charge": 4834.48, "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. $544 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,197, before any dealer documentation fee. Amount financed $27,834, including $1,637 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,669. 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_KM8JECD12RU156049_finance_72", "type": "finance_72", "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": 26197.0, "price_incl_doc": 26197.0, "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": 474.41, "amount_financed": 27834.31, "sales_tax": 1637.31, "total_of_payments": 34157.79, "finance_charge": 6323.48, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260433A, VIN KM8JECD12RU156049. $474 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,197, before any dealer documentation fee. Amount financed $27,834, including $1,637 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,158. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 32997.0, "price_incl_doc": 32997.0, "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": 823.21, "amount_financed": 35059.31, "sales_tax": 2062.31, "total_of_payments": 39513.99, "finance_charge": 4454.68, "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. $823 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,997, before any dealer documentation fee. Amount financed $35,059, including $2,062 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,514. 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": 32997.0, "price_incl_doc": 32997.0, "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": 685.81, "amount_financed": 35059.31, "sales_tax": 2062.31, "total_of_payments": 41148.69, "finance_charge": 6089.38, "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. $686 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,997, before any dealer documentation fee. Amount financed $35,059, including $2,062 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,149. 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": 32997.0, "price_incl_doc": 32997.0, "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": 597.56, "amount_financed": 35059.31, "sales_tax": 2062.31, "total_of_payments": 43024.18, "finance_charge": 7964.87, "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. $598 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,997, before any dealer documentation fee. Amount financed $35,059, including $2,062 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $43,024. 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. 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": 264}}, {"vin": "3FAHP0HA7BR144830", "title": "2011 Ford Fusion SE", "year": 2011, "make": "Ford", "model": "Fusion", "trim": "SE", "decoded_trim": "SE", "condition": "used", "price": 7204.0, "msrp": 7204.0, "sale_price": 7204.0, "currency": "USD", "mileage": 70581, "exterior_color": "Red Candy Metallic Tinted", "interior_color": "Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas I4 2.5L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "Automatic", "mpg_city": 22, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MKP2492A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 10, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/24f2cb31a6a94606b8c077710e11b625.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/24f2cb31a6a94606b8c077710e11b625.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/953537635fe84f2fbc45c734372b4aaf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6c8acb305adc43d2b5741aed389cdf30.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6faa1735b92e41aba40f49e46b6a4c13.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/60d31c3fc8bb4f5aa32c653d59be1e12.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/69a0c8cffb2044f888058d62de60c5ff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/056646ecc2594f18a379a9d45feb2dc5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3268d9c0059e453b81ee97fcfbb846cc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4c16c95985fa4d1bb396cb3f6f5e8779.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/203b293fb6704798b134edd13e6adb65.jpg"], "vin_decode": {"make": "Ford", "model": "Fusion", "year": 2011, "trim": "SE", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 7204.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/3FAHP0HA7BR144830.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3fahp0ha7br144830/2011-ford-fusion-4dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3fahp0ha7br144830/2011-ford-fusion-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3FAHP0HA7BR144830.html", "json_url": "https://ai.castlesubarumchenry.com/v/3FAHP0HA7BR144830.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3FAHP0HA7BR144830.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3fahp0ha7br144830/2011-ford-fusion-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$7,204"}], "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 7204.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 180, "unit": "per_month", "display": "$180/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7204.0, "price_incl_doc": 7204.0, "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": 179.73, "amount_financed": 7654.25, "sales_tax": 450.25, "total_of_payments": 8626.81, "finance_charge": 972.56, "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. $180 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $7,204, before any dealer documentation fee. Amount financed $7,654, including $450 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $8,627. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 150, "unit": "per_month", "display": "$150/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7204.0, "price_incl_doc": 7204.0, "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": 149.73, "amount_financed": 7654.25, "sales_tax": 450.25, "total_of_payments": 8983.7, "finance_charge": 1329.45, "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. $150 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $7,204, before any dealer documentation fee. Amount financed $7,654, including $450 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $8,984. 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_3FAHP0HA7BR144830_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 130, "unit": "per_month", "display": "$130/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7204.0, "price_incl_doc": 7204.0, "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": 130.46, "amount_financed": 7654.25, "sales_tax": 450.25, "total_of_payments": 9393.16, "finance_charge": 1738.91, "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. $130 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $7,204, before any dealer documentation fee. Amount financed $7,654, including $450 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $9,393. 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_4S4BTAFC4S3331345_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": 30702.0, "price_incl_doc": 30702.0, "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": 765.95, "amount_financed": 32620.88, "sales_tax": 1918.88, "total_of_payments": 36765.73, "finance_charge": 4144.85, "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. $766 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,702, before any dealer documentation fee. Amount financed $32,621, including $1,919 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,766. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 30702.0, "price_incl_doc": 30702.0, "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": 638.11, "amount_financed": 32620.88, "sales_tax": 1918.88, "total_of_payments": 38286.73, "finance_charge": 5665.85, "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. $638 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,702, before any dealer documentation fee. Amount financed $32,621, including $1,919 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,287. 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_4S4BTAFC4S3331345_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 556, "unit": "per_month", "display": "$556/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30702.0, "price_incl_doc": 30702.0, "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": 556.0, "amount_financed": 32620.88, "sales_tax": 1918.88, "total_of_payments": 40031.78, "finance_charge": 7410.9, "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. $556 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,702, before any dealer documentation fee. Amount financed $32,621, including $1,919 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,032. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 269}}, {"vin": "4S4GUHF65S3744364", "title": "2025 Subaru Crosstrek Sport", "year": 2025, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "used", "price": 27860.0, "msrp": 27860.0, "sale_price": 27860.0, "currency": "USD", "mileage": 4437, "exterior_color": "Sapphire Blue Pearl", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 27, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MSL104", "stock_status": "Available", "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": 27860.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHF65S3744364.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/4s4guhf65s3744364/2025-subaru-crosstrek-sport-utility", "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": "$27,860"}], "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27860.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 695, "unit": "per_month", "display": "$695/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27860.0, "price_incl_doc": 27860.0, "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": 695.05, "amount_financed": 29601.25, "sales_tax": 1741.25, "total_of_payments": 33362.42, "finance_charge": 3761.17, "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. $695 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,860, before any dealer documentation fee. Amount financed $29,601, including $1,741 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,362. 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": 27860.0, "price_incl_doc": 27860.0, "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": 579.04, "amount_financed": 29601.25, "sales_tax": 1741.25, "total_of_payments": 34742.63, "finance_charge": 5141.38, "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. $579 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,860, before any dealer documentation fee. Amount financed $29,601, including $1,741 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,743. 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": 27860.0, "price_incl_doc": 27860.0, "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": 504.53, "amount_financed": 29601.25, "sales_tax": 1741.25, "total_of_payments": 36326.14, "finance_charge": 6724.89, "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. $505 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,860, before any dealer documentation fee. Amount financed $29,601, including $1,741 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,326. 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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2g4g05gv6b9191392/2011-buick-regal-4dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/2G4G05GV6B9191392.html", "json_url": "https://ai.castlesubarumchenry.com/v/2G4G05GV6B9191392.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/2G4G05GV6B9191392.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2g4g05gv6b9191392/2011-buick-regal-4dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 9897.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27898.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 27898.0, "price_incl_doc": 27898.0, "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": 696.0, "amount_financed": 29641.63, "sales_tax": 1743.63, "total_of_payments": 33407.94, "finance_charge": 3766.31, "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. $696 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,898, before any dealer documentation fee. Amount financed $29,642, including $1,744 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,408. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5TDGZRBH7MS098720_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": 27898.0, "price_incl_doc": 27898.0, "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": 579.83, "amount_financed": 29641.63, "sales_tax": 1743.63, "total_of_payments": 34790.02, "finance_charge": 5148.39, "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. $580 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,898, before any dealer documentation fee. Amount financed $29,642, including $1,744 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,790. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5TDGZRBH7MS098720_finance_72", "type": "finance_72", "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": 27898.0, "price_incl_doc": 27898.0, "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": 505.22, "amount_financed": 29641.63, "sales_tax": 1743.63, "total_of_payments": 36375.7, "finance_charge": 6734.07, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260221C, VIN 5TDGZRBH7MS098720. $505 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,898, before any dealer documentation fee. Amount financed $29,642, including $1,744 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,376. 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"}], "suppressed": [{"type": "price_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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29768.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 743, "unit": "per_month", "display": "$743/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29768.0, "price_incl_doc": 29768.0, "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": 742.65, "amount_financed": 31628.5, "sales_tax": 1860.5, "total_of_payments": 35647.26, "finance_charge": 4018.76, "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. $743 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,768, before any dealer documentation fee. Amount financed $31,628, including $1,860 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,647. 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": 29768.0, "price_incl_doc": 29768.0, "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": 618.7, "amount_financed": 31628.5, "sales_tax": 1860.5, "total_of_payments": 37121.99, "finance_charge": 5493.49, "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. $619 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,768, before any dealer documentation fee. Amount financed $31,628, including $1,860 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,122. 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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 62497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 62497.0, "price_incl_doc": 62497.0, "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": 1559.17, "amount_financed": 66403.06, "sales_tax": 3906.06, "total_of_payments": 74840.32, "finance_charge": 8437.26, "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. $1,559 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $62,497, before any dealer documentation fee. Amount financed $66,403, including $3,906 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $74,840. 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": 24397.0, "price_incl_doc": 24397.0, "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": 608.66, "amount_financed": 25921.81, "sales_tax": 1524.81, "total_of_payments": 29215.47, "finance_charge": 3293.66, "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. $609 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,397, before any dealer documentation fee. Amount financed $25,922, including $1,525 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,215. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 24397.0, "price_incl_doc": 24397.0, "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": 507.07, "amount_financed": 25921.81, "sales_tax": 1524.81, "total_of_payments": 30424.11, "finance_charge": 4502.3, "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. $507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,397, before any dealer documentation fee. Amount financed $25,922, including $1,525 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,424. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_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": 24397.0, "price_incl_doc": 24397.0, "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": 441.82, "amount_financed": 25921.81, "sales_tax": 1524.81, "total_of_payments": 31810.8, "finance_charge": 5888.99, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2499, VIN 2C4RC1L7XPR614406. $442 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,397, before any dealer documentation fee. Amount financed $25,922, including $1,525 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,811. 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. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3gnkbhr46rs128439/2024-chevrolet-blazer-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3GNKBHR46RS128439.html", "json_url": "https://ai.castlesubarumchenry.com/v/3GNKBHR46RS128439.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3GNKBHR46RS128439.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3gnkbhr46rs128439/2024-chevrolet-blazer-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 698, "unit": "per_month", "display": "$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. 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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": 27997.0, "price_incl_doc": 27997.0, "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": 581.89, "amount_financed": 29746.81, "sales_tax": 1749.81, "total_of_payments": 34913.47, "finance_charge": 5166.66, "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. $582 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,997, before any dealer documentation fee. Amount financed $29,747, including $1,750 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,913. 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": 27997.0, "price_incl_doc": 27997.0, "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": 507.01, "amount_financed": 29746.81, "sales_tax": 1749.81, "total_of_payments": 36504.77, "finance_charge": 6757.96, "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. $507 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,997, before any dealer documentation fee. Amount financed $29,747, including $1,750 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,505. 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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/7fart6h55me021536/2021-honda-cr-v-hybrid-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/7FART6H55ME021536.html", "json_url": "https://ai.castlesubarumchenry.com/v/7FART6H55ME021536.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/7FART6H55ME021536.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/7fart6h55me021536/2021-honda-cr-v-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7FART6H55ME021536_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": 31497.0, "price_incl_doc": 31497.0, "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": 785.79, "amount_financed": 33465.56, "sales_tax": 1968.56, "total_of_payments": 37717.74, "finance_charge": 4252.18, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260381A, VIN 7FART6H55ME021536. $786 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,497, before any dealer documentation fee. Amount financed $33,466, including $1,969 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,718. 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_7FART6H55ME021536_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": 31497.0, "price_incl_doc": 31497.0, "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": 654.64, "amount_financed": 33465.56, "sales_tax": 1968.56, "total_of_payments": 39278.12, "finance_charge": 5812.56, "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. $655 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,497, before any dealer documentation fee. Amount financed $33,466, including $1,969 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,278. 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": 31497.0, "price_incl_doc": 31497.0, "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": 570.39, "amount_financed": 33465.56, "sales_tax": 1968.56, "total_of_payments": 41068.36, "finance_charge": 7602.8, "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. $570 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,497, before any dealer documentation fee. Amount financed $33,466, including $1,969 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,068. 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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 21997.0, "price_incl_doc": 21997.0, "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": 548.78, "amount_financed": 23371.81, "sales_tax": 1374.81, "total_of_payments": 26341.46, "finance_charge": 2969.65, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260487A, VIN 3VV4B7AX2LM022844. $549 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,997, before any dealer documentation fee. Amount financed $23,372, including $1,375 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,341. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4B7AX2LM022844_finance_60", "type": "finance_60", "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": 21997.0, "price_incl_doc": 21997.0, "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": 457.19, "amount_financed": 23371.81, "sales_tax": 1374.81, "total_of_payments": 27431.21, "finance_charge": 4059.4, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260487A, VIN 3VV4B7AX2LM022844. $457 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,997, before any dealer documentation fee. Amount financed $23,372, including $1,375 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,431. 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_3VV4B7AX2LM022844_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 398, "unit": "per_month", "display": "$398/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21997.0, "price_incl_doc": 21997.0, "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": 398.35, "amount_financed": 23371.81, "sales_tax": 1374.81, "total_of_payments": 28681.48, "finance_charge": 5309.67, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260487A, VIN 3VV4B7AX2LM022844. $398 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,997, before any dealer documentation fee. Amount financed $23,372, including $1,375 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $28,681. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "2GNAXKEV0N6129054", "title": "2022 Chevrolet Equinox LT", "year": 2022, "make": "Chevrolet", "model": "Equinox", "trim": "LT", "decoded_trim": "LT (1LT)", "condition": "used", "price": 17470.0, "msrp": 17470.0, "sale_price": 17470.0, "currency": "USD", "mileage": 83822, "exterior_color": "Iron Gray Metallic", "interior_color": "Jet Black", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Turbocharged Gas I4 1.5L/92", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic", "mpg_city": 26, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7915", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 30, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/b2d5286d16ff4f438a313dff70a07a26.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/b2d5286d16ff4f438a313dff70a07a26.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5c12f17bfc15413696fb364eaae03c82.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/646d042689bd407e953b6759a81b0a65.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b8b664cf22774f3cbfa5df2d73195bda.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ebdd393f08ec4f938bfff0cd0dd982dc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed019bbadef04552a7c92766ac616993.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/65e6200488244734aad1a9e917a9a459.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6c6f05bbccdd483bb6b80b1d735ef190.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f76c2691a2fc407cbbe4ec54d895c03f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2d04667a59b74b69b4c71af111c2e66d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/06e3d1bddd0041c19d70be1794c31e29.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a54a157032af4bf49ad99e7aefba7941.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f1c3c16370414089b9f278b0820744a8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8ae9f85d27c142528614de31446e4fc5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/56f11db6e20f451d926e57bec72955e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/75eec80f74124eaf998a6979638a2db0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d065e5edf18e4c3bb774823bd939d064.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c2177de21a6847abb92da2dceeb236ac.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1762e1c60f5848219e7a869b34d1bcfd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/29899c8511b448509706b7f026313570.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a7704c0cbcba41058c05d396e39a3696.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cd97bb96c7024cb9a94c73dc3d0d1c94.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/43fdafedb63042ee92cc3ba205a974ab.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/59a3394d7bb1458ca3073ac8cad67802.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b1a0f71fa86b454cbf02cb13ef0b6661.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad78f5c5d0bd48cb92cef6ed2000b033.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/27ac1cc416c644679856c25a4a5d289e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b5bf8585e20847eb8165c904d5296dae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aa5034309474405eb0b2db9a51593a53.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f5a0db5de2d1498a8f76bb970ab71cdb.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Equinox", "year": 2022, "trim": "LT (1LT)", "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": "FWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 17470.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/2GNAXKEV0N6129054.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2gnaxkev0n6129054/2022-chevrolet-equinox-sport-utility", "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17470.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 17470.0, "price_incl_doc": 17470.0, "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": 435.84, "amount_financed": 18561.88, "sales_tax": 1091.88, "total_of_payments": 20920.38, "finance_charge": 2358.5, "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. $436 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,470, before any dealer documentation fee. Amount financed $18,562, including $1,092 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $20,920. 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_2GNAXKEV0N6129054_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 363, "unit": "per_month", "display": "$363/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17470.0, "price_incl_doc": 17470.0, "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": 363.1, "amount_financed": 18561.88, "sales_tax": 1091.88, "total_of_payments": 21785.85, "finance_charge": 3223.97, "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. $363 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,470, before any dealer documentation fee. Amount financed $18,562, including $1,092 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $21,786. 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_2GNAXKEV0N6129054_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 316, "unit": "per_month", "display": "$316/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17470.0, "price_incl_doc": 17470.0, "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": 316.37, "amount_financed": 18561.88, "sales_tax": 1091.88, "total_of_payments": 22778.82, "finance_charge": 4216.94, "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. $316 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,470, before any dealer documentation fee. Amount financed $18,562, including $1,092 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $22,779. 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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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 #M260481A, VIN 3GCUKFED9TG132071. Advertised price: $57,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$57,997"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GCUKFED9TG132071_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1447, "unit": "per_month", "display": "$1,447/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57997.0, "price_incl_doc": 57997.0, "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": 1446.91, "amount_financed": 61621.81, "sales_tax": 3624.81, "total_of_payments": 69451.56, "finance_charge": 7829.75, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260481A, VIN 3GCUKFED9TG132071. $1,447 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $57,997, before any dealer documentation fee. Amount financed $61,622, including $3,625 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $69,452. 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_3GCUKFED9TG132071_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": 57997.0, "price_incl_doc": 57997.0, "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": 1205.41, "amount_financed": 61621.81, "sales_tax": 3624.81, "total_of_payments": 72324.77, "finance_charge": 10702.96, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260481A, VIN 3GCUKFED9TG132071. $1,205 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $57,997, before any dealer documentation fee. Amount financed $61,622, including $3,625 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $72,325. 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": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GCUKFED9TG132071_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1050, "unit": "per_month", "display": "$1,050/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57997.0, "price_incl_doc": 57997.0, "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": 1050.29, "amount_financed": 61621.81, "sales_tax": 3624.81, "total_of_payments": 75621.22, "finance_charge": 13999.41, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260481A, VIN 3GCUKFED9TG132071. $1,050 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $57,997, before any dealer documentation fee. Amount financed $61,622, including $3,625 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $75,621. 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"}], "suppressed": [{"type": "price_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": "$38,497"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 38497.0, "price_incl_doc": 38497.0, "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": 960.42, "amount_financed": 40903.06, "sales_tax": 2406.06, "total_of_payments": 46100.26, "finance_charge": 5197.2, "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. $960 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,497, before any dealer documentation fee. Amount financed $40,903, including $2,406 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $46,100. 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_5XYP3DGC8RG450175_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": 38497.0, "price_incl_doc": 38497.0, "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": 800.12, "amount_financed": 40903.06, "sales_tax": 2406.06, "total_of_payments": 48007.43, "finance_charge": 7104.37, "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. $800 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,497, before any dealer documentation fee. Amount financed $40,903, including $2,406 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $48,007. 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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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34497.0, "price_incl_doc": 34497.0, "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": 699.95, "amount_financed": 36653.06, "sales_tax": 2156.06, "total_of_payments": 41996.81, "finance_charge": 5343.75, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260557A, VIN 3GTU9EET8MG463710. $700 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,497, before any dealer documentation fee. Amount financed $36,653, including $2,156 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,997. 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_3GTU9EET8MG463710_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 607, "unit": "per_month", "display": "$607/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34497.0, "price_incl_doc": 34497.0, "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": 607.27, "amount_financed": 36653.06, "sales_tax": 2156.06, "total_of_payments": 43723.73, "finance_charge": 7070.67, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260557A, VIN 3GTU9EET8MG463710. $607 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,497, before any dealer documentation fee. Amount financed $36,653, including $2,156 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,724. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "$44,497"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 44497.0, "price_incl_doc": 44497.0, "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": 1110.11, "amount_financed": 47278.06, "sales_tax": 2781.06, "total_of_payments": 53285.27, "finance_charge": 6007.21, "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. $1,110 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $44,497, before any dealer documentation fee. Amount financed $47,278, including $2,781 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $53,285. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 44497.0, "price_incl_doc": 44497.0, "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": 924.83, "amount_financed": 47278.06, "sales_tax": 2781.06, "total_of_payments": 55489.69, "finance_charge": 8211.63, "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. $925 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $44,497, before any dealer documentation fee. Amount financed $47,278, including $2,781 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $55,490. 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_1G1YM3D76E5111235_finance_72", "type": "finance_72", "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": 44497.0, "price_incl_doc": 44497.0, "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": 805.82, "amount_financed": 47278.06, "sales_tax": 2781.06, "total_of_payments": 58018.82, "finance_charge": 10740.76, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260454B, VIN 1G1YM3D76E5111235. $806 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $44,497, before any dealer documentation fee. Amount financed $47,278, including $2,781 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $58,019. 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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vv8x7b20rm085195/2024-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3VV8X7B20RM085195.html", "json_url": "https://ai.castlesubarumchenry.com/v/3VV8X7B20RM085195.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3VV8X7B20RM085195.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vv8x7b20rm085195/2024-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22397.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 22397.0, "price_incl_doc": 22397.0, "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": 558.76, "amount_financed": 23796.81, "sales_tax": 1399.81, "total_of_payments": 26820.46, "finance_charge": 3023.65, "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. $559 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,397, before any dealer documentation fee. Amount financed $23,797, including $1,400 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,820. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 22397.0, "price_incl_doc": 22397.0, "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": 465.5, "amount_financed": 23796.81, "sales_tax": 1399.81, "total_of_payments": 27930.03, "finance_charge": 4133.22, "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. $466 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,397, before any dealer documentation fee. Amount financed $23,797, including $1,400 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,930. 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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": "$27,268"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27268.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 27268.0, "price_incl_doc": 27268.0, "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": 680.28, "amount_financed": 28972.25, "sales_tax": 1704.25, "total_of_payments": 32653.5, "finance_charge": 3681.25, "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. $680 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,268, before any dealer documentation fee. Amount financed $28,972, including $1,704 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,654. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 27268.0, "price_incl_doc": 27268.0, "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": 566.74, "amount_financed": 28972.25, "sales_tax": 1704.25, "total_of_payments": 34004.38, "finance_charge": 5032.13, "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. $567 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,268, before any dealer documentation fee. Amount financed $28,972, including $1,704 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,004. 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"}, {"offer_id": "of_JF1GUHJC0S8298716_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": 27268.0, "price_incl_doc": 27268.0, "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": 493.81, "amount_financed": 28972.25, "sales_tax": 1704.25, "total_of_payments": 35554.25, "finance_charge": 6582.0, "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. $494 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,268, before any dealer documentation fee. Amount financed $28,972, including $1,704 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,554. 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"}], "suppressed": [{"type": "price_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": 349}}, {"vin": "2T3J1RFV6MW149460", "title": "2021 Toyota RAV4 Adventure", "year": 2021, "make": "Toyota", "model": "RAV4", "trim": "Adventure", "decoded_trim": "Adventure", "condition": "used", "price": 28497.0, "msrp": 28497.0, "sale_price": 28497.0, "currency": "USD", "mileage": 73566, "exterior_color": "Lunar", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 25, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MKK364A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 10, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ed77cc9d1b9749ce91a82ccc46496c03.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ed77cc9d1b9749ce91a82ccc46496c03.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ea4544101274e5fb7855528cc547b1c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc9b155490774b3db7a8aee9b0cd9f67.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f216d26ffca046d59388cd0fdd0cc6d0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66f2278b38b74adba8123bee4ac15983.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3c994f9777794474befa60251a049512.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0413c6d7ba394584a0da295ee3095017.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/24f46aa884304815b84aa212512b64a6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1e07845c4d8244e2adaab6585a002532.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/384db5dfd86d43119984753ace1ee6df.jpg"], "vin_decode": {"make": "Toyota", "model": "RAV4", "year": 2021, "trim": "Adventure", "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": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 28497.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/2T3J1RFV6MW149460.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2t3j1rfv6mw149460/2021-toyota-rav4-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2t3j1rfv6mw149460/2021-toyota-rav4-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/2T3J1RFV6MW149460.html", "json_url": "https://ai.castlesubarumchenry.com/v/2T3J1RFV6MW149460.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/2T3J1RFV6MW149460.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2t3j1rfv6mw149460/2021-toyota-rav4-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_2T3J1RFV6MW149460_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": 28497.0, "price_incl_doc": 28497.0, "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": 710.94, "amount_financed": 30278.06, "sales_tax": 1781.06, "total_of_payments": 34125.23, "finance_charge": 3847.17, "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. $711 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,497, before any dealer documentation fee. Amount financed $30,278, including $1,781 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,125. 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": 16, "validator_version": "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": 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": 28497.0, "price_incl_doc": 28497.0, "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": 592.28, "amount_financed": 30278.06, "sales_tax": 1781.06, "total_of_payments": 35536.99, "finance_charge": 5258.93, "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. $592 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,497, before any dealer documentation fee. Amount financed $30,278, including $1,781 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,537. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 28497.0, "price_incl_doc": 28497.0, "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": 516.07, "amount_financed": 30278.06, "sales_tax": 1781.06, "total_of_payments": 37156.71, "finance_charge": 6878.65, "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. $516 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,497, before any dealer documentation fee. Amount financed $30,278, including $1,781 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,157. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 353}}, {"vin": "3VVUX7B23RM018797", "title": "2024 Volkswagen Taos SE", "year": 2024, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "used", "price": 21697.0, "msrp": 21697.0, "sale_price": 21697.0, "currency": "USD", "mileage": 48297, "exterior_color": "Pyrite Silver Metallic", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 1.5 L/91", "engine_displacement_l": 1.5, "engine_cylinders": 4, "transmission": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "MKP2507", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 29, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/5eec9a1b1acc4067b1a7f6e724df7af8.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/5eec9a1b1acc4067b1a7f6e724df7af8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1b07bf7be2974de8aebbd5743a90dadd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/056459efc46f44c5bf56dab0d31b031a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cf5a6c1116a246eeb74ba82c1f59e056.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/49c10b40b6f246a0b29f5287a3889a59.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44d3c10ca3dc482aa1edbc5614f89dcf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/35212dc379114661a1a14e76fcd03139.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4325577df9174469b1e5eebcf5b7c472.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ffe5c35cf20a4e42807351e4c983afb7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/33d4d64ff5544271ac183be588a1a9c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d22fea3c1a82406e940d7de2a1a831fa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9cefff5273db441589ceeb087147d0ac.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b2b12ab3d10e4fe781d27c4f0e72a6f2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a6c6079d4374412db0746d81b0bda7c0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/224cef6b12e847ebbeb98b426cb72842.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/564d1b1489b146b3b2b1cc82a127a378.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc9c28756ca544cf964cf863d48b883e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5d5c0a4cece34d9f9f903df6ea97cc89.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b6531dad965a4597b8eef7fbcd46b29b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8dbf5635786f4cbfa83b645f98cf9542.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9650d55cc1bf4a67abf07a0f4ffee911.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8c2e6b40726949858beae6530d2d8f4a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f6717a3c6fee4452ba1411d7cc33fca8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a71329e985b744e99926c6fe694e13ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ba33e5012794cd49a928488742eeca6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c664566d30884089968ef14ef482c00b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/87ae1912f33443c69708d6daf11e6362.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44625418c1c04aa49ae9387979ee39bd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3d9f2902ff3543d7a1f81c79659254c4.jpg"], "vin_decode": {"make": "Volkswagen", "model": "Taos", "year": 2024, "trim": "4Motion SE", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.5L 4-Cylinder", "engine_displacement_l": 1.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 21697.0, "monroney_url": null, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vvux7b23rm018797/2024-volkswagen-taos-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vvux7b23rm018797/2024-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3VVUX7B23RM018797.html", "json_url": "https://ai.castlesubarumchenry.com/v/3VVUX7B23RM018797.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3VVUX7B23RM018797.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vvux7b23rm018797/2024-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$21,697"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21697.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVUX7B23RM018797_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 541, "unit": "per_month", "display": "$541/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21697.0, "price_incl_doc": 21697.0, "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": 541.3, "amount_financed": 23053.06, "sales_tax": 1356.06, "total_of_payments": 25982.21, "finance_charge": 2929.15, "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. $541 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,697, before any dealer documentation fee. Amount financed $23,053, including $1,356 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,982. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 451, "unit": "per_month", "display": "$451/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21697.0, "price_incl_doc": 21697.0, "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": 450.95, "amount_financed": 23053.06, "sales_tax": 1356.06, "total_of_payments": 27057.1, "finance_charge": 4004.04, "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. $451 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,697, before any dealer documentation fee. Amount financed $23,053, including $1,356 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,057. 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_3VVUX7B23RM018797_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 393, "unit": "per_month", "display": "$393/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21697.0, "price_incl_doc": 21697.0, "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": 392.92, "amount_financed": 23053.06, "sales_tax": 1356.06, "total_of_payments": 28290.32, "finance_charge": 5237.26, "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. $393 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,697, before any dealer documentation fee. Amount financed $23,053, including $1,356 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $28,290. 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_4S4BTGND5R3139813_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 698, "unit": "per_month", "display": "$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. 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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_4S4BTGND5R3139813_finance_60", "type": "finance_60", "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": 27997.0, "price_incl_doc": 27997.0, "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": 581.89, "amount_financed": 29746.81, "sales_tax": 1749.81, "total_of_payments": 34913.47, "finance_charge": 5166.66, "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. $582 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,997, before any dealer documentation fee. Amount financed $29,747, including $1,750 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,913. 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_4S4BTGND5R3139813_finance_72", "type": "finance_72", "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": 27997.0, "price_incl_doc": 27997.0, "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": 507.01, "amount_financed": 29746.81, "sales_tax": 1749.81, "total_of_payments": 36504.77, "finance_charge": 6757.96, "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. $507 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,997, before any dealer documentation fee. Amount financed $29,747, including $1,750 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,505. 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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"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 #MSP5934, VIN JM3KFBEY2K0542714. Advertised price: $23,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$23,997"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBEY2K0542714_finance_48", "type": "finance_48", "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": 23997.0, "price_incl_doc": 23997.0, "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": 598.68, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 28736.47, "finance_charge": 3239.66, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5934, VIN JM3KFBEY2K0542714. $599 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,736. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 23997.0, "price_incl_doc": 23997.0, "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": 498.75, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 29925.3, "finance_charge": 4428.49, "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. $499 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,925. 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_JM3KFBEY2K0542714_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23997.0, "price_incl_doc": 23997.0, "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": 434.57, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 31289.25, "finance_charge": 5792.44, "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. $435 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,289. 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"}], "suppressed": [{"type": "price_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": 257}}, {"vin": "1FT8W3B61JEB48358", "title": "2018 Ford Super Duty F-350 SRW LARIAT", "year": 2018, "make": "Ford", "model": "Super Duty F-350 SRW", "trim": "LARIAT", "decoded_trim": "Super Duty - Single Rear Wheel", "condition": "used", "price": 38777.0, "msrp": 38777.0, "sale_price": 38777.0, "currency": "USD", "mileage": 107994, "exterior_color": "Blue Jeans Metallic", "interior_color": "Black", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "6.2L 2-VALVE SOHC EFI NA V8 FLEX-FUEL  (STD)", "engine_displacement_l": 6.2, "engine_cylinders": 8, "transmission": "6-Speed Automatic w/OD", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "M260470B", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 14, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/9d3afd19b0324ec691235cd443730910.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/9d3afd19b0324ec691235cd443730910.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd514f0b45924c3ca09adc9ed641cba4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9e56bb09fadd46f79a0646a4a7471306.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/93d3f55fe792485889c7d77139d1ceca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/43ffbfe2fc304449ba9454cb34482dfe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5d77be6d53c2409aa01d64fcc08834ee.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4eb4bef225d462ba9210445aaea7f6b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cea927f0a6704c88a2460e0200ab7255.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/31ce266a1db04de5877b563809c6b411.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e51c22a1ff7e4ef8ad688442644ce8a9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c908febb7e884e79bb7ab77401acb379.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6225fb1548e4435d8ef144314acc5337.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9583eb4d8f2840cab73c8ae9cd158e0f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5a9834a0858142839f464beefd5be9b1.jpg"], "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": 38777.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1FT8W3B61JEB48358.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ft8w3b61jeb48358/2018-ford-super-duty-f-350-srw-crew-cab-pickup", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ft8w3b61jeb48358/2018-ford-super-duty-f-350-srw-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1FT8W3B61JEB48358.html", "json_url": "https://ai.castlesubarumchenry.com/v/1FT8W3B61JEB48358.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1FT8W3B61JEB48358.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ft8w3b61jeb48358/2018-ford-super-duty-f-350-srw-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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: $38,777. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$38,777"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38777.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 38777.0, "price_incl_doc": 38777.0, "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": 967.41, "amount_financed": 41200.56, "sales_tax": 2423.56, "total_of_payments": 46435.56, "finance_charge": 5235.0, "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. $967 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,777, before any dealer documentation fee. Amount financed $41,201, including $2,424 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $46,436. 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"}, {"offer_id": "of_1FT8W3B61JEB48358_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": 38777.0, "price_incl_doc": 38777.0, "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": 805.94, "amount_financed": 41200.56, "sales_tax": 2423.56, "total_of_payments": 48356.6, "finance_charge": 7156.04, "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. $806 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,777, before any dealer documentation fee. Amount financed $41,201, including $2,424 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $48,357. 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_1FT8W3B61JEB48358_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 702, "unit": "per_month", "display": "$702/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38777.0, "price_incl_doc": 38777.0, "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": 702.23, "amount_financed": 41200.56, "sales_tax": 2423.56, "total_of_payments": 50560.62, "finance_charge": 9360.06, "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. $702 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $38,777, before any dealer documentation fee. Amount financed $41,201, including $2,424 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $50,561. 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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ftfw3ld8rfa73006/2024-ford-f-150-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1FTFW3LD8RFA73006.html", "json_url": "https://ai.castlesubarumchenry.com/v/1FTFW3LD8RFA73006.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1FTFW3LD8RFA73006.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ftfw3ld8rfa73006/2024-ford-f-150-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$38,697"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38697.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 38697.0, "price_incl_doc": 38697.0, "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": 965.41, "amount_financed": 41115.56, "sales_tax": 2418.56, "total_of_payments": 46339.76, "finance_charge": 5224.2, "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. $965 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,697, before any dealer documentation fee. Amount financed $41,116, including $2,419 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $46,340. 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"}, {"offer_id": "of_1FTFW3LD8RFA73006_finance_60", "type": "finance_60", "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": 38697.0, "price_incl_doc": 38697.0, "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": 804.28, "amount_financed": 41115.56, "sales_tax": 2418.56, "total_of_payments": 48256.83, "finance_charge": 7141.27, "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. $804 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,697, before any dealer documentation fee. Amount financed $41,116, including $2,419 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $48,257. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 38697.0, "price_incl_doc": 38697.0, "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": 700.78, "amount_financed": 41115.56, "sales_tax": 2418.56, "total_of_payments": 50456.31, "finance_charge": 9340.75, "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. $701 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $38,697, before any dealer documentation fee. Amount financed $41,116, including $2,419 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $50,456. 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"}], "suppressed": [{"type": "price_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": 242}}, {"vin": "1GT49PEY9RF403371", "title": "2024 GMC Sierra 2500HD AT4", "year": 2024, "make": "GMC", "model": "Sierra 2500HD", "trim": "AT4", "decoded_trim": "AT4", "condition": "used", "price": 65997.0, "msrp": 65997.0, "sale_price": 65997.0, "currency": "USD", "mileage": 53872, "exterior_color": "Summit White", "interior_color": "Jet Black with Kalahari accents", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Diesel Fuel", "doors": 4, "seating_capacity": null, "engine": "Turbocharged Diesel V8 6.6L/", "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": "M260557A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 11, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/53fcc845a80345c3a9399315f702a465.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/53fcc845a80345c3a9399315f702a465.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/74c988cfab4b400381f486033da99e88.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44e4f3bdfea44a9f91180c466d8135da.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/40fc9350ab6843529ca73d83f07fb0d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/661aa629d89e43dda6f848ca12b6d6be.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5a10c5957c544690bdce926ebe204b76.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d742c9777fe348ddb3b9dab03473c2b9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8726b90f83384a969c326d591f3f35a2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8807012496da40c6b47e44d517bfc3e4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0d75c9adf7ca4647ab83c1cf08387b3e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/33758532dee2472d93bfc0648791b415.jpg"], "vin_decode": {"make": "Gmc", "model": "Sierra HD", "year": 2024, "trim": "AT4", "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": 65997.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1GT49PEY9RF403371.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gt49pey9rf403371/2024-gmc-sierra-2500hd-crew-cab-pickup", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gt49pey9rf403371/2024-gmc-sierra-2500hd-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1GT49PEY9RF403371.html", "json_url": "https://ai.castlesubarumchenry.com/v/1GT49PEY9RF403371.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1GT49PEY9RF403371.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gt49pey9rf403371/2024-gmc-sierra-2500hd-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #M260557A, VIN 1GT49PEY9RF403371. Advertised price: $65,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$65,997"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 65997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1646, "unit": "per_month", "display": "$1,646/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": 65997.0, "price_incl_doc": 65997.0, "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": 1646.49, "amount_financed": 70121.81, "sales_tax": 4124.81, "total_of_payments": 79031.58, "finance_charge": 8909.77, "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. $1,646 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $65,997, before any dealer documentation fee. Amount financed $70,122, including $4,125 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $79,032. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 1372, "unit": "per_month", "display": "$1,372/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": 65997.0, "price_incl_doc": 65997.0, "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": 1371.69, "amount_financed": 70121.81, "sales_tax": 4124.81, "total_of_payments": 82301.12, "finance_charge": 12179.31, "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. $1,372 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $65,997, before any dealer documentation fee. Amount financed $70,122, including $4,125 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $82,301. 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_1GT49PEY9RF403371_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1195, "unit": "per_month", "display": "$1,195/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 65997.0, "price_incl_doc": 65997.0, "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": 1195.17, "amount_financed": 70121.81, "sales_tax": 4124.81, "total_of_payments": 86052.28, "finance_charge": 15930.47, "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. $1,195 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $65,997, before any dealer documentation fee. Amount financed $70,122, including $4,125 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $86,052. 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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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_3GNKBKRS1NS138107_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_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": 31997.0, "price_incl_doc": 31997.0, "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": 798.26, "amount_financed": 33996.81, "sales_tax": 1999.81, "total_of_payments": 38316.49, "finance_charge": 4319.68, "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. $798 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,997, before any dealer documentation fee. Amount financed $33,997, including $2,000 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,316. 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_4S4BTAPC5R3140512_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 665, "unit": "per_month", "display": "$665/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31997.0, "price_incl_doc": 31997.0, "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": 665.03, "amount_financed": 33996.81, "sales_tax": 1999.81, "total_of_payments": 39901.64, "finance_charge": 5904.83, "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. $665 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,997, before any dealer documentation fee. Amount financed $33,997, including $2,000 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,902. 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_4S4BTAPC5R3140512_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": 31997.0, "price_incl_doc": 31997.0, "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": 579.45, "amount_financed": 33996.81, "sales_tax": 1999.81, "total_of_payments": 41720.3, "finance_charge": 7723.49, "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. $579 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,997, before any dealer documentation fee. Amount financed $33,997, including $2,000 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,720. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 188}}, {"vin": "3C6LRVDG3PE605677", "title": "2023 RAM ProMaster Cargo Van High Roof", "year": 2023, "make": "RAM", "model": "ProMaster Cargo Van", "trim": "High Roof", "decoded_trim": "High Roof", "condition": "used", "price": 27997.0, "msrp": 27997.0, "sale_price": 27997.0, "currency": "USD", "mileage": 54259, "exterior_color": "Bright White Clearcoat", "interior_color": "Black", "drivetrain": "FWD", "body_style": "Full-size Cargo Van", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 3, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.6 L/220", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "9-Speed Automatic w/OD", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7877", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 26, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/d95d6a698a484593a9464293d37fa634.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/d95d6a698a484593a9464293d37fa634.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/00ea64c66c3346d4836c804b92e33e0d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/92e98b42ca2143f6a0fb7bd093e77aa2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/418edca594e24bf795173a5c14dba224.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f9ddc96ebbe04ec18a087da4244df350.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ab17c4ac5dba46b9959a84ee7d3459b8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/33b9350a189f4fda817767a0e4c68d03.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28c17769763843c99276267d3d6a5057.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bfa6f125b05c408689d78fab936f2803.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/df8cedd222e44929a7c17e91ab619e85.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bf23eae934174f6f90085694dd9fe83c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5257ee32ac2b469aa34b6f3eee17bc4c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2dcb65dae4f947b195d749c50d367c4a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/99bac3cb576644f686fac1392c1a48db.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/33fac00f685c406b862e1eb717535873.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/230e2cf23a1f4cd7874389380f89f8b3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f5b136d537624116aa8bb2167f1dae9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/159533ebf22143e6a457b784b3c78053.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c8ee902519cd4ecfaef67c8eca31846a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/22eb5b6e1b9c4181bc7b64a52ee0fc3b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/21b6a7f0caed41bb849fb85ff3c9f797.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7198f9234fc740a59107cb5d8d186570.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5e3e2badeb104901abba689c1abdbc36.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/beed6c19ce044fa69fa32392c6c82ef0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/86c5f3e7c2654eb7a87b59ed440b7ade.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/36ec012c0eaf4f31b5decdf15be791d5.jpg"], "vin_decode": {"make": "Ram", "model": "ProMaster 2500", "year": 2023, "trim": "High Roof", "body_style": "Cargo Van", "vehicle_type": "TRUCK", "engine": "3.6L 6-Cylinder V-Shaped", "engine_displacement_l": 3.6, "cylinders": 6, "drive_type": "FWD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27997.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/3C6LRVDG3PE605677.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3c6lrvdg3pe605677/2023-ram-promaster-cargo-van-full-size-cargo-van", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3c6lrvdg3pe605677/2023-ram-promaster-cargo-van-full-size-cargo-van", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3C6LRVDG3PE605677.html", "json_url": "https://ai.castlesubarumchenry.com/v/3C6LRVDG3PE605677.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3C6LRVDG3PE605677.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3c6lrvdg3pe605677/2023-ram-promaster-cargo-van-full-size-cargo-van", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MCP7877, VIN 3C6LRVDG3PE605677. Advertised price: $27,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$27,997"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 698, "unit": "per_month", "display": "$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": 27997.0, "price_incl_doc": 27997.0, "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": 698.47, "amount_financed": 29746.81, "sales_tax": 1749.81, "total_of_payments": 33526.48, "finance_charge": 3779.67, "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. $698 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,997, before any dealer documentation fee. Amount financed $29,747, including $1,750 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,526. 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_3C6LRVDG3PE605677_finance_60", "type": "finance_60", "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": 27997.0, "price_incl_doc": 27997.0, "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": 581.89, "amount_financed": 29746.81, "sales_tax": 1749.81, "total_of_payments": 34913.47, "finance_charge": 5166.66, "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. $582 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,997, before any dealer documentation fee. Amount financed $29,747, including $1,750 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,913. 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_3C6LRVDG3PE605677_finance_72", "type": "finance_72", "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": 27997.0, "price_incl_doc": 27997.0, "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": 507.01, "amount_financed": 29746.81, "sales_tax": 1749.81, "total_of_payments": 36504.77, "finance_charge": 6757.96, "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. $507 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,997, before any dealer documentation fee. Amount financed $29,747, including $1,750 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,505. 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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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3mvdmbdm7pm569092/2023-mazda-cx-30-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3MVDMBDM7PM569092.html", "json_url": "https://ai.castlesubarumchenry.com/v/3MVDMBDM7PM569092.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3MVDMBDM7PM569092.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3mvdmbdm7pm569092/2023-mazda-cx-30-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 23997.0, "price_incl_doc": 23997.0, "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": 598.68, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 28736.47, "finance_charge": 3239.66, "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. $599 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,736. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 23997.0, "price_incl_doc": 23997.0, "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": 498.75, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 29925.3, "finance_charge": 4428.49, "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. $499 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,925. 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": 23997.0, "price_incl_doc": 23997.0, "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": 434.57, "amount_financed": 25496.81, "sales_tax": 1499.81, "total_of_payments": 31289.25, "finance_charge": 5792.44, "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. $435 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,997, before any dealer documentation fee. Amount financed $25,497, including $1,500 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,289. 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": 25997.0, "price_incl_doc": 25997.0, "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": 540.32, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 32419.38, "finance_charge": 4797.57, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260694A, VIN 1C4RJFAG7LC240121. $540 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,419. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJFAG7LC240121_finance_72", "type": "finance_72", "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": 25997.0, "price_incl_doc": 25997.0, "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": 470.79, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 33897.01, "finance_charge": 6275.2, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MC260694A, VIN 1C4RJFAG7LC240121. $471 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,897. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "3GTUUGE84PG189576", "title": "2023 GMC Sierra 1500 Denali", "year": 2023, "make": "GMC", "model": "Sierra 1500", "trim": "Denali", "decoded_trim": "Denali", "condition": "used", "price": 48997.0, "msrp": 48997.0, "sale_price": 48997.0, "currency": "USD", "mileage": 39288, "exterior_color": "Sterling Metallic", "interior_color": "Jet Black", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Diesel Fuel", "doors": 4, "seating_capacity": null, "engine": "Turbocharged Diesel I6 3.0L/", "engine_displacement_l": 3.0, "engine_cylinders": 6, "transmission": "10-Speed Automatic", "mpg_city": 22, "mpg_hwy": 27, "range_miles": null, "battery_kwh": null, "stock_number": "M260260B", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"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": 48997.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/3GTUUGE84PG189576.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3gtuuge84pg189576/2023-gmc-sierra-1500-crew-cab-pickup", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": 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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 #M260260B, VIN 3GTUUGE84PG189576. Advertised price: $48,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$48,997"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GTUUGE84PG189576_finance_48", "type": "finance_48", "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": 48997.0, "price_incl_doc": 48997.0, "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": 1222.38, "amount_financed": 52059.31, "sales_tax": 3062.31, "total_of_payments": 58674.04, "finance_charge": 6614.73, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260260B, VIN 3GTUUGE84PG189576. $1,222 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $48,997, before any dealer documentation fee. Amount financed $52,059, including $3,062 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $58,674. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GTUUGE84PG189576_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1018, "unit": "per_month", "display": "$1,018/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48997.0, "price_incl_doc": 48997.0, "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": 1018.36, "amount_financed": 52059.31, "sales_tax": 3062.31, "total_of_payments": 61101.38, "finance_charge": 9042.07, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260260B, VIN 3GTUUGE84PG189576. $1,018 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $48,997, before any dealer documentation fee. Amount financed $52,059, including $3,062 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $61,101. 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_3GTUUGE84PG189576_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 887, "unit": "per_month", "display": "$887/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48997.0, "price_incl_doc": 48997.0, "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": 887.31, "amount_financed": 52059.31, "sales_tax": 3062.31, "total_of_payments": 63886.29, "finance_charge": 11826.98, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260260B, VIN 3GTUUGE84PG189576. $887 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $48,997, before any dealer documentation fee. Amount financed $52,059, including $3,062 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $63,886. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 113}}, {"vin": "1GCGTCE3XF1163560", "title": "2015 Chevrolet Colorado 4WD Z71", "year": 2015, "make": "Chevrolet", "model": "Colorado", "trim": "4WD Z71", "decoded_trim": "LT", "condition": "used", "price": 17497.0, "msrp": 17497.0, "sale_price": 17497.0, "currency": "USD", "mileage": 109060, "exterior_color": "Cyber Gray Metallic", "interior_color": "Jet Black", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas V6 3.6L/217", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "6-Speed Automatic", "mpg_city": 17, "mpg_hwy": 24, "range_miles": null, "battery_kwh": null, "stock_number": "MC260585B", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 34, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/67f59dd1cba943e5ba70ed94c2791039.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/67f59dd1cba943e5ba70ed94c2791039.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/630b913cf6024641983b1463cec1aa5e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7d2f51b4465547a8b622afa2240fdd61.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3ac8b8cd90274745b66285c5252abd73.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/65439a15608344979d08cb9a93951a01.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5cf82c0246434bc8863d788d74071802.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3b1850aaceac47f695bda2d19c30c324.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ccfde9e506494683b6135618d8ab26f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff1555e021c64259b045508ad479442a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3be7976c47394059836e381d01fc91b2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/85f20d0720c444b2adc79f5649a3e7d7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8cc9cf90473443c9be33729c774a8576.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e7300d359ce34d279e7e5ca687586d2f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/49af4f99031c4aa69a07230e412241ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/95ac4394f9674e92be9ee15144293bf5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/adb2369930cd4d3d8a94db7129dca5bc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bf2d5c1740df44b0b6506bd93db54321.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba4fc288540b4649bf3cfbf7dd04a165.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44c4b25d4ed74338905cdccd6436a86a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9f723a5f98ae4456960d8da46fa75ede.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4ffc7dc8bc14d9285397275a2a9fd2d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d1caddf8ba094d03ba2f5b42313d73cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0ffee70c83e44d3089e445a5b3f6e6e9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cdde7bf8d1b94571b6211239f102bd2c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/87e82d0255bb4ef4900a5a3fceea3f32.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d90e8a4f8f5a48a18b519be55c457d15.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/95fb79ba34b345de921df28ba743f092.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/40ba614e9f9a4d1387f11d249290f558.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d1138b63a0042a9907c953050690769.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/56624613a6464244bbe5e86661b7ac5d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b5346b401f404c8a80b63aff36a70816.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/85301e68ef1446e9b8f6dcb7a2f4a3ef.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/26753f50dbc443229c0f226237a20ad5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b39b051cf8184b36874133bac1940283.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Colorado", "year": 2015, "trim": "LT", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "3.6L 6-Cylinder", "engine_displacement_l": 3.6, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 17497.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1GCGTCE3XF1163560.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gcgtce3xf1163560/2015-chevrolet-colorado-crew-cab-pickup", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gcgtce3xf1163560/2015-chevrolet-colorado-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1GCGTCE3XF1163560.html", "json_url": "https://ai.castlesubarumchenry.com/v/1GCGTCE3XF1163560.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1GCGTCE3XF1163560.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gcgtce3xf1163560/2015-chevrolet-colorado-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GCGTCE3XF1163560_finance_48", "type": "finance_48", "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": 17497.0, "price_incl_doc": 17497.0, "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": 436.51, "amount_financed": 18590.56, "sales_tax": 1093.56, "total_of_payments": 20952.7, "finance_charge": 2362.14, "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. $437 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,497, before any dealer documentation fee. Amount financed $18,591, including $1,094 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $20,953. 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_1GCGTCE3XF1163560_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 364, "unit": "per_month", "display": "$364/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17497.0, "price_incl_doc": 17497.0, "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": 363.66, "amount_financed": 18590.56, "sales_tax": 1093.56, "total_of_payments": 21819.51, "finance_charge": 3228.95, "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. $364 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,497, before any dealer documentation fee. Amount financed $18,591, including $1,094 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $21,820. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 317, "unit": "per_month", "display": "$317/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17497.0, "price_incl_doc": 17497.0, "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": 316.86, "amount_financed": 18590.56, "sales_tax": 1093.56, "total_of_payments": 22814.01, "finance_charge": 4223.45, "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. $317 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,497, before any dealer documentation fee. Amount financed $18,591, including $1,094 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $22,814. 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_1GCUDGED9RZ186320_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1137, "unit": "per_month", "display": "$1,137/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45590.0, "price_incl_doc": 45590.0, "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": 1137.38, "amount_financed": 48439.38, "sales_tax": 2849.38, "total_of_payments": 54594.15, "finance_charge": 6154.77, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7867, VIN 1GCUDGED9RZ186320. $1,137 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $45,590, before any dealer documentation fee. Amount financed $48,439, including $2,849 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $54,594. 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_1GCUDGED9RZ186320_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 948, "unit": "per_month", "display": "$948/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45590.0, "price_incl_doc": 45590.0, "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": 947.55, "amount_financed": 48439.38, "sales_tax": 2849.38, "total_of_payments": 56852.71, "finance_charge": 8413.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7867, VIN 1GCUDGED9RZ186320. $948 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $45,590, before any dealer documentation fee. Amount financed $48,439, including $2,849 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $56,853. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCUDGED9RZ186320_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 826, "unit": "per_month", "display": "$826/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45590.0, "price_incl_doc": 45590.0, "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": 825.61, "amount_financed": 48439.38, "sales_tax": 2849.38, "total_of_payments": 59443.97, "finance_charge": 11004.59, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7867, VIN 1GCUDGED9RZ186320. $826 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $45,590, before any dealer documentation fee. Amount financed $48,439, including $2,849 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $59,444. 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5J8YD4H50KL034022_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": 22997.0, "price_incl_doc": 22997.0, "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": 573.73, "amount_financed": 24434.31, "sales_tax": 1437.31, "total_of_payments": 27538.97, "finance_charge": 3104.66, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK369, VIN 5J8YD4H50KL034022. $574 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,997, before any dealer documentation fee. Amount financed $24,434, including $1,437 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,539. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5J8YD4H50KL034022_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": 22997.0, "price_incl_doc": 22997.0, "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": 477.97, "amount_financed": 24434.31, "sales_tax": 1437.31, "total_of_payments": 28678.25, "finance_charge": 4243.94, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK369, VIN 5J8YD4H50KL034022. $478 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,997, before any dealer documentation fee. Amount financed $24,434, including $1,437 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,678. 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": 22997.0, "price_incl_doc": 22997.0, "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": 416.46, "amount_financed": 24434.31, "sales_tax": 1437.31, "total_of_payments": 29985.36, "finance_charge": 5551.05, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK369, VIN 5J8YD4H50KL034022. $416 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,997, before any dealer documentation fee. Amount financed $24,434, including $1,437 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,985. 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. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/5xyk43af7pg029839/2023-kia-sportage-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/5XYK43AF7PG029839.html", "json_url": "https://ai.castlesubarumchenry.com/v/5XYK43AF7PG029839.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/5XYK43AF7PG029839.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/5xyk43af7pg029839/2023-kia-sportage-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$19,997"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 19997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYK43AF7PG029839_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": 19997.0, "price_incl_doc": 19997.0, "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": 498.88, "amount_financed": 21246.81, "sales_tax": 1249.81, "total_of_payments": 23946.46, "finance_charge": 2699.65, "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. $499 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $19,997, before any dealer documentation fee. Amount financed $21,247, including $1,250 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $23,946. 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_5XYK43AF7PG029839_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 416, "unit": "per_month", "display": "$416/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19997.0, "price_incl_doc": 19997.0, "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": 415.62, "amount_financed": 21246.81, "sales_tax": 1249.81, "total_of_payments": 24937.12, "finance_charge": 3690.31, "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. $416 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $19,997, before any dealer documentation fee. Amount financed $21,247, including $1,250 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $24,937. 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": 19997.0, "price_incl_doc": 19997.0, "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": 362.13, "amount_financed": 21246.81, "sales_tax": 1249.81, "total_of_payments": 26073.72, "finance_charge": 4826.91, "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. $362 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $19,997, before any dealer documentation fee. Amount financed $21,247, including $1,250 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $26,074. 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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 52997.0, "price_incl_doc": 52997.0, "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": 1101.49, "amount_financed": 56309.31, "sales_tax": 3312.31, "total_of_payments": 66089.55, "finance_charge": 9780.24, "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. $1,101 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $52,997, before any dealer documentation fee. Amount financed $56,309, including $3,312 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $66,090. 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": 22597.0, "price_incl_doc": 22597.0, "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": 563.75, "amount_financed": 24009.31, "sales_tax": 1412.31, "total_of_payments": 27059.97, "finance_charge": 3050.66, "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. $564 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,597, before any dealer documentation fee. Amount financed $24,009, including $1,412 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,060. 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"}, {"offer_id": "of_1C4HJXDG6LW231809_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": 22597.0, "price_incl_doc": 22597.0, "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": 469.66, "amount_financed": 24009.31, "sales_tax": 1412.31, "total_of_payments": 28179.44, "finance_charge": 4170.13, "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. $470 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,597, before any dealer documentation fee. Amount financed $24,009, including $1,412 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,179. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 22597.0, "price_incl_doc": 22597.0, "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": 409.22, "amount_financed": 24009.31, "sales_tax": 1412.31, "total_of_payments": 29463.81, "finance_charge": 5454.5, "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. $409 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,597, before any dealer documentation fee. Amount financed $24,009, including $1,412 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,464. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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 #MSK275, VIN 3C63RRKL9NG360473. Advertised price: $66,977. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$66,977"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 66977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1671, "unit": "per_month", "display": "$1,671/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": 66977.0, "price_incl_doc": 66977.0, "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": 1670.94, "amount_financed": 71163.06, "sales_tax": 4186.06, "total_of_payments": 80205.13, "finance_charge": 9042.07, "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. $1,671 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $66,977, before any dealer documentation fee. Amount financed $71,163, including $4,186 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $80,205. 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_3C63RRKL9NG360473_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1392, "unit": "per_month", "display": "$1,392/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 66977.0, "price_incl_doc": 66977.0, "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": 1392.05, "amount_financed": 71163.06, "sales_tax": 4186.06, "total_of_payments": 83523.22, "finance_charge": 12360.16, "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. $1,392 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $66,977, before any dealer documentation fee. Amount financed $71,163, including $4,186 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $83,523. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 66977.0, "price_incl_doc": 66977.0, "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": 1212.92, "amount_financed": 71163.06, "sales_tax": 4186.06, "total_of_payments": 87330.08, "finance_charge": 16167.02, "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. $1,213 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $66,977, before any dealer documentation fee. Amount financed $71,163, including $4,186 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $87,330. 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"}], "suppressed": [{"type": "price_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": "1C4RJYB67N8748595", "title": "2022 Jeep Grand Cherokee 4xe 4xe", "year": 2022, "make": "Jeep", "model": "Grand Cherokee 4xe", "trim": "4xe", "decoded_trim": "Limited 4XE", "condition": "used", "price": 25997.0, "msrp": 25997.0, "sale_price": 25997.0, "currency": "USD", "mileage": 36444, "exterior_color": "Bright White Clearcoat", "interior_color": "Global Black", "drivetrain": "4WD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Gas/Electric I-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MKP2506", "stock_status": "Available", 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4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 25997.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1C4RJYB67N8748595.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c4rjyb67n8748595/2022-jeep-grand-cherokee-4xe-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c4rjyb67n8748595/2022-jeep-grand-cherokee-4xe-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1C4RJYB67N8748595.html", "json_url": "https://ai.castlesubarumchenry.com/v/1C4RJYB67N8748595.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1C4RJYB67N8748595.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c4rjyb67n8748595/2022-jeep-grand-cherokee-4xe-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MKP2506, VIN 1C4RJYB67N8748595. Advertised price: $25,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$25,997"}], "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": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4RJYB67N8748595_finance_48", "type": "finance_48", "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": 25997.0, "price_incl_doc": 25997.0, "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": 648.57, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 31131.47, "finance_charge": 3509.66, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2506, VIN 1C4RJYB67N8748595. $649 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,131. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJYB67N8748595_finance_60", "type": "finance_60", "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": 25997.0, "price_incl_doc": 25997.0, "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": 540.32, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 32419.38, "finance_charge": 4797.57, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2506, VIN 1C4RJYB67N8748595. $540 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,419. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJYB67N8748595_finance_72", "type": "finance_72", "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": 25997.0, "price_incl_doc": 25997.0, "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": 470.79, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 33897.01, "finance_charge": 6275.2, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2506, VIN 1C4RJYB67N8748595. $471 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,897. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27557.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF61S3742949_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": 27557.0, "price_incl_doc": 27557.0, "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": 687.49, "amount_financed": 29279.31, "sales_tax": 1722.31, "total_of_payments": 32999.58, "finance_charge": 3720.27, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL066, VIN 4S4GUHF61S3742949. $687 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,557, before any dealer documentation fee. Amount financed $29,279, including $1,722 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,000. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4GUHF61S3742949_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": 27557.0, "price_incl_doc": 27557.0, "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": 572.75, "amount_financed": 29279.31, "sales_tax": 1722.31, "total_of_payments": 34364.77, "finance_charge": 5085.46, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL066, VIN 4S4GUHF61S3742949. $573 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,557, before any dealer documentation fee. Amount financed $29,279, including $1,722 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,365. 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": 27557.0, "price_incl_doc": 27557.0, "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": 499.04, "amount_financed": 29279.31, "sales_tax": 1722.31, "total_of_payments": 35931.06, "finance_charge": 6651.75, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL066, VIN 4S4GUHF61S3742949. $499 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,557, before any dealer documentation fee. Amount financed $29,279, including $1,722 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,931. 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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26797.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 26797.0, "price_incl_doc": 26797.0, "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": 556.95, "amount_financed": 28471.81, "sales_tax": 1674.81, "total_of_payments": 33417.02, "finance_charge": 4945.21, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2503, VIN 5NMS2DAJ7PH621411. $557 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,797, before any dealer documentation fee. Amount financed $28,472, including $1,675 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,417. 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_5NMS2DAJ7PH621411_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": 26797.0, "price_incl_doc": 26797.0, "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": 485.28, "amount_financed": 28471.81, "sales_tax": 1674.81, "total_of_payments": 34940.11, "finance_charge": 6468.3, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKP2503, VIN 5NMS2DAJ7PH621411. $485 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,797, before any dealer documentation fee. Amount financed $28,472, including $1,675 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,940. 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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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32039.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 32039.0, "price_incl_doc": 32039.0, "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": 665.9, "amount_financed": 34041.44, "sales_tax": 2002.44, "total_of_payments": 39954.03, "finance_charge": 5912.59, "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. $666 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,039, before any dealer documentation fee. Amount financed $34,041, including $2,002 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,954. 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": 32039.0, "price_incl_doc": 32039.0, "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": 580.21, "amount_financed": 34041.44, "sales_tax": 2002.44, "total_of_payments": 41775.07, "finance_charge": 7733.63, "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. $580 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,039, before any dealer documentation fee. Amount financed $34,041, including $2,002 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,775. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3fmcr9c69mra68922/2021-ford-bronco-sport-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3FMCR9C69MRA68922.html", "json_url": "https://ai.castlesubarumchenry.com/v/3FMCR9C69MRA68922.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3FMCR9C69MRA68922.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3fmcr9c69mra68922/2021-ford-bronco-sport-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24797.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 24797.0, "price_incl_doc": 24797.0, "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": 618.63, "amount_financed": 26346.81, "sales_tax": 1549.81, "total_of_payments": 29694.47, "finance_charge": 3347.66, "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. $619 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,797, before any dealer documentation fee. Amount financed $26,347, including $1,550 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,694. 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_3FMCR9C69MRA68922_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 515, "unit": "per_month", "display": "$515/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24797.0, "price_incl_doc": 24797.0, "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": 515.38, "amount_financed": 26346.81, "sales_tax": 1549.81, "total_of_payments": 30922.93, "finance_charge": 4576.12, "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. $515 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,797, before any dealer documentation fee. Amount financed $26,347, including $1,550 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,923. 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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24397.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTACC0N3220395_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. 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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_4S4BTACC0N3220395_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": 24397.0, "price_incl_doc": 24397.0, "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": 507.07, "amount_financed": 25921.81, "sales_tax": 1524.81, "total_of_payments": 30424.11, "finance_charge": 4502.3, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260452A, VIN 4S4BTACC0N3220395. $507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,397, before any dealer documentation fee. Amount financed $25,922, including $1,525 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,424. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTACC0N3220395_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": 24397.0, "price_incl_doc": 24397.0, "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": 441.82, "amount_financed": 25921.81, "sales_tax": 1524.81, "total_of_payments": 31810.8, "finance_charge": 5888.99, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260452A, VIN 4S4BTACC0N3220395. $442 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,397, before any dealer documentation fee. Amount financed $25,922, including $1,525 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,811. 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. 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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": 31546.0, "price_incl_doc": 31546.0, "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": 787.01, "amount_financed": 33517.63, "sales_tax": 1971.63, "total_of_payments": 37776.42, "finance_charge": 4258.79, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5927, VIN 1C4HJXEG9NW115876. $787 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,546, before any dealer documentation fee. Amount financed $33,518, including $1,972 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,776. 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": 31546.0, "price_incl_doc": 31546.0, "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": 655.65, "amount_financed": 33517.63, "sales_tax": 1971.63, "total_of_payments": 39339.24, "finance_charge": 5821.61, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5927, VIN 1C4HJXEG9NW115876. $656 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,546, before any dealer documentation fee. Amount financed $33,518, including $1,972 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,339. 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_1C4HJXEG9NW115876_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": 31546.0, "price_incl_doc": 31546.0, "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": 571.28, "amount_financed": 33517.63, "sales_tax": 1971.63, "total_of_payments": 41132.26, "finance_charge": 7614.63, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5927, VIN 1C4HJXEG9NW115876. $571 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,546, before any dealer documentation fee. Amount financed $33,518, including $1,972 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,132. 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. 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": "1C4RJHAG2PC643487", "title": "2023 Jeep Grand Cherokee Altitude X", "year": 2023, "make": "Jeep", "model": "Grand Cherokee", "trim": "Altitude X", "decoded_trim": "Laredo, Altitude", "condition": "used", "price": 30997.0, "msrp": 30997.0, "sale_price": 30997.0, "currency": "USD", "mileage": 29459, "exterior_color": "Baltic Gray Metallic Clearcoat", "interior_color": "Global Black", "drivetrain": "4WD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.6 L/220", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7897", "stock_status": "Available", 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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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c4rjhag2pc643487/2023-jeep-grand-cherokee-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1C4RJHAG2PC643487.html", "json_url": "https://ai.castlesubarumchenry.com/v/1C4RJHAG2PC643487.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1C4RJHAG2PC643487.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c4rjhag2pc643487/2023-jeep-grand-cherokee-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "price_excl_doc_fee": null, "price_includes_doc_fee": 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 #MCP7897, VIN 1C4RJHAG2PC643487. Advertised price: $30,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$30,997"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4RJHAG2PC643487_finance_48", "type": "finance_48", "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": 30997.0, "price_incl_doc": 30997.0, "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": 773.31, "amount_financed": 32934.31, "sales_tax": 1937.31, "total_of_payments": 37118.99, "finance_charge": 4184.68, "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. $773 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,997, before any dealer documentation fee. Amount financed $32,934, including $1,937 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,119. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 644, "unit": "per_month", "display": "$644/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30997.0, "price_incl_doc": 30997.0, "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": 644.24, "amount_financed": 32934.31, "sales_tax": 1937.31, "total_of_payments": 38654.6, "finance_charge": 5720.29, "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. $644 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,997, before any dealer documentation fee. Amount financed $32,934, including $1,937 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,655. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 561, "unit": "per_month", "display": "$561/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30997.0, "price_incl_doc": 30997.0, "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": 561.34, "amount_financed": 32934.31, "sales_tax": 1937.31, "total_of_payments": 40416.42, "finance_charge": 7482.11, "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. $561 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,997, before any dealer documentation fee. Amount financed $32,934, including $1,937 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,416. 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"}], "suppressed": [{"type": "price_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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vvwx7b21nm064549/2022-volkswagen-taos-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3VVWX7B21NM064549.html", "json_url": "https://ai.castlesubarumchenry.com/v/3VVWX7B21NM064549.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3VVWX7B21NM064549.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3vvwx7b21nm064549/2022-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16290.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 16290.0, "price_incl_doc": 16290.0, "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": 406.4, "amount_financed": 17308.13, "sales_tax": 1018.13, "total_of_payments": 19507.32, "finance_charge": 2199.19, "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. $406 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $16,290, before any dealer documentation fee. Amount financed $17,308, including $1,018 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $19,507. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 339, "unit": "per_month", "display": "$339/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16290.0, "price_incl_doc": 16290.0, "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": 338.57, "amount_financed": 17308.13, "sales_tax": 1018.13, "total_of_payments": 20314.34, "finance_charge": 3006.21, "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. $339 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,290, before any dealer documentation fee. Amount financed $17,308, including $1,018 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,314. 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"}, {"offer_id": "of_3VVWX7B21NM064549_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 295, "unit": "per_month", "display": "$295/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34870.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 34870.0, "price_incl_doc": 34870.0, "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": 869.94, "amount_financed": 37049.38, "sales_tax": 2179.38, "total_of_payments": 41756.92, "finance_charge": 4707.54, "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. $870 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,870, before any dealer documentation fee. Amount financed $37,049, including $2,179 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,757. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 34870.0, "price_incl_doc": 34870.0, "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": 724.74, "amount_financed": 37049.38, "sales_tax": 2179.38, "total_of_payments": 43484.41, "finance_charge": 6435.03, "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. $725 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,870, before any dealer documentation fee. Amount financed $37,049, including $2,179 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,484. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 34870.0, "price_incl_doc": 34870.0, "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": 631.48, "amount_financed": 37049.38, "sales_tax": 2179.38, "total_of_payments": 45466.36, "finance_charge": 8416.98, "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. $631 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,870, before any dealer documentation fee. Amount financed $37,049, including $2,179 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,466. 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"}], "suppressed": [{"type": "price_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": 133}}, {"vin": "1GNEVFKWXPJ241135", "title": "2023 Chevrolet Traverse LS", "year": 2023, "make": "Chevrolet", "model": "Traverse", "trim": "LS", "decoded_trim": "LS", "condition": "used", "price": 25977.0, "msrp": 25977.0, "sale_price": 25977.0, "currency": "USD", "mileage": 59311, "exterior_color": "Northsky Blue Metallic", "interior_color": "Jet Black/Chai", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas V6 3.6L/217", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "9-Speed Automatic", "mpg_city": 17, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7918", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2023CHS29_640/2023CHS290001_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2023CHS29_640/2023CHS290001_640_01.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Traverse", "year": 2023, "trim": "LS", "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": 25977.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1GNEVFKWXPJ241135.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gnevfkwxpj241135/2023-chevrolet-traverse-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gnevfkwxpj241135/2023-chevrolet-traverse-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1GNEVFKWXPJ241135.html", "json_url": "https://ai.castlesubarumchenry.com/v/1GNEVFKWXPJ241135.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1GNEVFKWXPJ241135.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gnevfkwxpj241135/2023-chevrolet-traverse-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MCP7918, VIN 1GNEVFKWXPJ241135. Advertised price: $25,977. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$25,977"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GNEVFKWXPJ241135_finance_48", "type": "finance_48", "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": 25977.0, "price_incl_doc": 25977.0, "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": 648.07, "amount_financed": 27600.56, "sales_tax": 1623.56, "total_of_payments": 31107.52, "finance_charge": 3506.96, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7918, VIN 1GNEVFKWXPJ241135. $648 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,977, before any dealer documentation fee. Amount financed $27,601, including $1,624 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,108. 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_1GNEVFKWXPJ241135_finance_60", "type": "finance_60", "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": 25977.0, "price_incl_doc": 25977.0, "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": 539.91, "amount_financed": 27600.56, "sales_tax": 1623.56, "total_of_payments": 32394.44, "finance_charge": 4793.88, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7918, VIN 1GNEVFKWXPJ241135. $540 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,977, before any dealer documentation fee. Amount financed $27,601, including $1,624 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,394. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GNEVFKWXPJ241135_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": 25977.0, "price_incl_doc": 25977.0, "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": 470.43, "amount_financed": 27600.56, "sales_tax": 1623.56, "total_of_payments": 33870.93, "finance_charge": 6270.37, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7918, VIN 1GNEVFKWXPJ241135. $470 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,977, before any dealer documentation fee. Amount financed $27,601, including $1,624 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,871. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,808"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30808.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 30808.0, "price_incl_doc": 30808.0, "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": 768.6, "amount_financed": 32733.5, "sales_tax": 1925.5, "total_of_payments": 36892.66, "finance_charge": 4159.16, "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 $30,808, before any dealer documentation fee. Amount financed $32,734, including $1,926 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,893. 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_5XYK6CDF9TG381918_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 640, "unit": "per_month", "display": "$640/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30808.0, "price_incl_doc": 30808.0, "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": 640.32, "amount_financed": 32733.5, "sales_tax": 1925.5, "total_of_payments": 38418.91, "finance_charge": 5685.41, "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. $640 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,808, before any dealer documentation fee. Amount financed $32,734, including $1,926 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,419. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 558, "unit": "per_month", "display": "$558/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30808.0, "price_incl_doc": 30808.0, "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": 557.92, "amount_financed": 32733.5, "sales_tax": 1925.5, "total_of_payments": 40169.99, "finance_charge": 7436.49, "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. $558 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,808, before any dealer documentation fee. Amount financed $32,734, including $1,926 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,170. 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. 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": 132}}, {"vin": "2C3CDZFJ9LH247348", "title": "2020 Dodge Challenger R/T Scat Pack", "year": 2020, "make": "Dodge", "model": "Challenger", "trim": "R/T Scat Pack", "decoded_trim": "R/T SCAT PACK", "condition": "used", "price": 37888.0, "msrp": 37888.0, "sale_price": 37888.0, "currency": "USD", "mileage": 55111, "exterior_color": "Go Mango", "interior_color": "Black", "drivetrain": "RWD", "body_style": "2dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 2, "seating_capacity": null, "engine": "Premium Unleaded V-8 6.4 L/392", "engine_displacement_l": 6.4, "engine_cylinders": 8, "transmission": "8-Speed Automatic w/OD", "mpg_city": 15, "mpg_hwy": 24, "range_miles": null, "battery_kwh": null, "stock_number": "M260309B", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 16, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/aea53d054a60428bbe4beece4d5a8526.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/aea53d054a60428bbe4beece4d5a8526.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/77eede456da148f1b8c39aae758b4059.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b3291a509a8b47fd9627ab518e22a7c7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/39fab24b83c345918cbef91d9151b080.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/19048f961c3e4722b201ea4974b0b51b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1c8a85c2a5294667aab936c5c2ccb594.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0f16d502778647d8a312bf37ebcfab92.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8e3545c969444874ab25365b1558b7a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ef27a0306e9c466f905f5d2d3a1f1376.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4dde6c48700b47318f2e80677eb315e9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/16a11aa40cb54139838e29d2ac55c6a4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/78a1b55e25704d36a454462c98e0699a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e19c0e498b53456b8c989837e1194dcb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/26ed23154ec94146b7058f66c39d884a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f46404e7a52a406c9d2ad163b0d65d1a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fdc4080edb6645de93926c1bb3ff5005.jpg"], "vin_decode": {"make": "Dodge", "model": "Challenger", "year": 2020, "trim": "R/T SCAT PACK", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "6.4L 8-Cylinder V-Shaped", "engine_displacement_l": 6.4, "cylinders": 8, "drive_type": "RWD", "fuel_type": "Gasoline", "doors": 2}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37888.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/2C3CDZFJ9LH247348.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2c3cdzfj9lh247348/2020-dodge-challenger-2dr-car", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2c3cdzfj9lh247348/2020-dodge-challenger-2dr-car", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/2C3CDZFJ9LH247348.html", "json_url": "https://ai.castlesubarumchenry.com/v/2C3CDZFJ9LH247348.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/2C3CDZFJ9LH247348.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/2c3cdzfj9lh247348/2020-dodge-challenger-2dr-car", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37888.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 945, "unit": "per_month", "display": "$945/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37888.0, "price_incl_doc": 37888.0, "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": 945.23, "amount_financed": 40256.0, "sales_tax": 2368.0, "total_of_payments": 45370.98, "finance_charge": 5114.98, "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. $945 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,888, before any dealer documentation fee. Amount financed $40,256, including $2,368 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $45,371. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 37888.0, "price_incl_doc": 37888.0, "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": 787.47, "amount_financed": 40256.0, "sales_tax": 2368.0, "total_of_payments": 47247.98, "finance_charge": 6991.98, "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. $787 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,888, before any dealer documentation fee. Amount financed $40,256, including $2,368 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $47,248. 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_2C3CDZFJ9LH247348_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": 37888.0, "price_incl_doc": 37888.0, "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": 686.13, "amount_financed": 40256.0, "sales_tax": 2368.0, "total_of_payments": 49401.47, "finance_charge": 9145.47, "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. $686 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,888, before any dealer documentation fee. Amount financed $40,256, including $2,368 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $49,401. 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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/kndeucaa6r7560838/2024-kia-seltos-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/KNDEUCAA6R7560838.html", "json_url": "https://ai.castlesubarumchenry.com/v/KNDEUCAA6R7560838.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/KNDEUCAA6R7560838.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/kndeucaa6r7560838/2024-kia-seltos-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$20,997"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 20997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 20997.0, "price_incl_doc": 20997.0, "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": 523.83, "amount_financed": 22309.31, "sales_tax": 1312.31, "total_of_payments": 25143.96, "finance_charge": 2834.65, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260352A, VIN KNDEUCAA6R7560838. $524 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $20,997, before any dealer documentation fee. Amount financed $22,309, including $1,312 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,144. 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_KNDEUCAA6R7560838_finance_60", "type": "finance_60", "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. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GT19ME76LF188774_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1023, "unit": "per_month", "display": "$1,023/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40997.0, "price_incl_doc": 40997.0, "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": 1022.79, "amount_financed": 43559.31, "sales_tax": 2562.31, "total_of_payments": 49094.01, "finance_charge": 5534.7, "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. $1,023 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $40,997, before any dealer documentation fee. Amount financed $43,559, including $2,562 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $49,094. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 40997.0, "price_incl_doc": 40997.0, "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": 852.08, "amount_financed": 43559.31, "sales_tax": 2562.31, "total_of_payments": 51125.03, "finance_charge": 7565.72, "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. $852 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $40,997, before any dealer documentation fee. Amount financed $43,559, including $2,562 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $51,125. 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": 16, "validator_version": "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": 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": 40997.0, "price_incl_doc": 40997.0, "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": 742.43, "amount_financed": 43559.31, "sales_tax": 2562.31, "total_of_payments": 53455.23, "finance_charge": 9895.92, "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. $742 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $40,997, before any dealer documentation fee. Amount financed $43,559, including $2,562 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $53,455. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 148}}, {"vin": "1GKKNLLSXPZ168666", "title": "2023 GMC Acadia AT4", "year": 2023, "make": "GMC", "model": "Acadia", "trim": "AT4", "decoded_trim": "AT4", "condition": "used", "price": 33490.0, "msrp": 33490.0, "sale_price": 33490.0, "currency": "USD", "mileage": 33896, "exterior_color": "Ebony Twilight Metallic", "interior_color": "Jet Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas V6 3.6L/", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "9-Speed Automatic", "mpg_city": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "M260374A", "stock_status": "Available", "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 #M260374A, VIN 1GKKNLLSXPZ168666. Advertised price: $33,490. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$33,490"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33490.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GKKNLLSXPZ168666_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": 33490.0, "price_incl_doc": 33490.0, "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": 835.51, "amount_financed": 35583.13, "sales_tax": 2093.13, "total_of_payments": 40104.37, "finance_charge": 4521.24, "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. $836 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,490, before any dealer documentation fee. Amount financed $35,583, including $2,093 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,104. 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_1GKKNLLSXPZ168666_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": 33490.0, "price_incl_doc": 33490.0, "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": 696.06, "amount_financed": 35583.13, "sales_tax": 2093.13, "total_of_payments": 41763.49, "finance_charge": 6180.36, "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. $696 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,490, before any dealer documentation fee. Amount financed $35,583, including $2,093 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,763. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 33490.0, "price_incl_doc": 33490.0, "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": 606.49, "amount_financed": 35583.13, "sales_tax": 2093.13, "total_of_payments": 43667.0, "finance_charge": 8083.87, "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. $606 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,490, before any dealer documentation fee. Amount financed $35,583, including $2,093 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $43,667. 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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1v2kr2ca3rc501182/2024-volkswagen-atlas-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1V2KR2CA3RC501182.html", "json_url": "https://ai.castlesubarumchenry.com/v/1V2KR2CA3RC501182.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1V2KR2CA3RC501182.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1v2kr2ca3rc501182/2024-volkswagen-atlas-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29667.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 29667.0, "price_incl_doc": 29667.0, "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": 740.13, "amount_financed": 31521.19, "sales_tax": 1854.19, "total_of_payments": 35526.31, "finance_charge": 4005.12, "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. $740 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,667, before any dealer documentation fee. Amount financed $31,521, including $1,854 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,526. 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_1V2KR2CA3RC501182_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 617, "unit": "per_month", "display": "$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": 29667.0, "price_incl_doc": 29667.0, "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": 616.6, "amount_financed": 31521.19, "sales_tax": 1854.19, "total_of_payments": 36996.04, "finance_charge": 5474.85, "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. $617 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,667, before any dealer documentation fee. Amount financed $31,521, including $1,854 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,996. 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": 24597.0, "price_incl_doc": 24597.0, "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": 511.23, "amount_financed": 26134.31, "sales_tax": 1537.31, "total_of_payments": 30673.52, "finance_charge": 4539.21, "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. $511 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,597, before any dealer documentation fee. Amount financed $26,134, including $1,537 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,674. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 24597.0, "price_incl_doc": 24597.0, "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": 445.44, "amount_financed": 26134.31, "sales_tax": 1537.31, "total_of_payments": 32071.57, "finance_charge": 5937.26, "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. $445 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,597, before any dealer documentation fee. Amount financed $26,134, including $1,537 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $32,072. 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28753.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 28753.0, "price_incl_doc": 28753.0, "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": 717.33, "amount_financed": 30550.06, "sales_tax": 1797.06, "total_of_payments": 34431.79, "finance_charge": 3881.73, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL097, VIN 4S4GUHF66S3765224. $717 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,753, before any dealer documentation fee. Amount financed $30,550, including $1,797 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,432. 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": 119}}, {"vin": "KNAG64J78T5465873", "title": "2026 Kia K5 GT-Line", "year": 2026, "make": "Kia", "model": "K5", "trim": "GT-Line", "decoded_trim": "GT-Line", "condition": "used", "price": 29814.0, "msrp": 34160.0, "sale_price": 29814.0, "currency": "USD", "mileage": 17, "exterior_color": "Wolf Gray", "interior_color": "Black", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MK260312", "stock_status": "Available", "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 #MK260312, VIN KNAG64J78T5465873. Advertised price: $29,814. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$29,814"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29814.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNAG64J78T5465873_finance_48", "type": "finance_48", "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": 29814.0, "price_incl_doc": 29814.0, "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": 743.8, "amount_financed": 31677.38, "sales_tax": 1863.38, "total_of_payments": 35702.35, "finance_charge": 4024.97, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260312, VIN KNAG64J78T5465873. $744 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,814, before any dealer documentation fee. Amount financed $31,677, including $1,863 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,702. 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_KNAG64J78T5465873_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29814.0, "price_incl_doc": 29814.0, "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": 619.66, "amount_financed": 31677.38, "sales_tax": 1863.38, "total_of_payments": 37179.36, "finance_charge": 5501.98, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260312, VIN KNAG64J78T5465873. $620 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,814, before any dealer documentation fee. Amount financed $31,677, including $1,863 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,179. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNAG64J78T5465873_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": 29814.0, "price_incl_doc": 29814.0, "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": 539.92, "amount_financed": 31677.38, "sales_tax": 1863.38, "total_of_payments": 38873.93, "finance_charge": 7196.55, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK260312, VIN KNAG64J78T5465873. $540 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,814, before any dealer documentation fee. Amount financed $31,677, including $1,863 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $38,874. 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"}], "suppressed": [{"type": "price_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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3fttw8m37rrb80556/2024-ford-maverick-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3FTTW8M37RRB80556.html", "json_url": "https://ai.castlesubarumchenry.com/v/3FTTW8M37RRB80556.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3FTTW8M37RRB80556.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3fttw8m37rrb80556/2024-ford-maverick-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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_KNAE45LC2N6122213_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 783, "unit": "per_month", "display": "$783/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31397.0, "price_incl_doc": 31397.0, "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": 783.29, "amount_financed": 33359.31, "sales_tax": 1962.31, "total_of_payments": 37597.99, "finance_charge": 4238.68, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270011A, VIN KNAE45LC2N6122213. $783 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,397, before any dealer documentation fee. Amount financed $33,359, including $1,962 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,598. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_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": 31397.0, "price_incl_doc": 31397.0, "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": 652.56, "amount_financed": 33359.31, "sales_tax": 1962.31, "total_of_payments": 39153.42, "finance_charge": 5794.11, "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. $653 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,397, before any dealer documentation fee. Amount financed $33,359, including $1,962 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,153. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 31397.0, "price_incl_doc": 31397.0, "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": 568.58, "amount_financed": 33359.31, "sales_tax": 1962.31, "total_of_payments": 40937.97, "finance_charge": 7578.66, "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. $569 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,397, before any dealer documentation fee. Amount financed $33,359, including $1,962 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,938. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29804.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 29804.0, "price_incl_doc": 29804.0, "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": 743.55, "amount_financed": 31666.75, "sales_tax": 1862.75, "total_of_payments": 35690.37, "finance_charge": 4023.62, "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. $744 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,804, before any dealer documentation fee. Amount financed $31,667, including $1,863 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,690. 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": 29804.0, "price_incl_doc": 29804.0, "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": 619.45, "amount_financed": 31666.75, "sales_tax": 1862.75, "total_of_payments": 37166.88, "finance_charge": 5500.13, "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. $619 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,804, before any dealer documentation fee. Amount financed $31,667, including $1,863 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,167. 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_4S4WMAHD8P3460359_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": 33890.0, "price_incl_doc": 33890.0, "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": 845.49, "amount_financed": 36008.13, "sales_tax": 2118.13, "total_of_payments": 40583.37, "finance_charge": 4575.24, "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. $845 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,890, before any dealer documentation fee. Amount financed $36,008, including $2,118 estimated sales tax at 6.25%. That is $23.48 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_4S4WMAHD8P3460359_finance_60", "type": "finance_60", "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": 33890.0, "price_incl_doc": 33890.0, "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": 704.37, "amount_financed": 36008.13, "sales_tax": 2118.13, "total_of_payments": 42262.31, "finance_charge": 6254.18, "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. $704 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,890, before any dealer documentation fee. Amount financed $36,008, including $2,118 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,262. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 33890.0, "price_incl_doc": 33890.0, "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": 613.73, "amount_financed": 36008.13, "sales_tax": 2118.13, "total_of_payments": 44188.56, "finance_charge": 8180.43, "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. $614 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,890, before any dealer documentation fee. Amount financed $36,008, including $2,118 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,189. 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"}], "suppressed": [{"type": "price_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": 152}}, {"vin": "1C6HJTAG3PL556896", "title": "2023 Jeep Gladiator Sport S", "year": 2023, "make": "Jeep", "model": "Gladiator", "trim": "Sport S", "decoded_trim": "Sport", "condition": "used", "price": 32797.0, "msrp": 32797.0, "sale_price": 32797.0, "currency": "USD", "mileage": 17129, "exterior_color": "Sting Gray Clearcoat", "interior_color": "Black", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.6 L/220", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 17, "mpg_hwy": 22, "range_miles": null, "battery_kwh": null, "stock_number": "MS260467A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 29, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/0d4fea4b63054e7fa459482fe5a8df1b.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/0d4fea4b63054e7fa459482fe5a8df1b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/93f088ed5a814735833a2ddfc729caa0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c90b2c1e07d6478381c7c27377e24888.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9100f2d8fc514f5c907adbceb8196ce7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8402325c03de424da94b1043f5c3c1cd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/809bc37bb0864a82995a2091377c3ca1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2ca289495f734a2db6df465c5b50d0b2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed97e2208f3c478a8f6b71dcad756c45.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/631a44dcd8f540f4b3402a2d892cbc90.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a2e7e4be015c4216a1fc3dfc84ee8a71.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e939aa3a076741a9a844451ca0f37a14.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c807494bb4a94de9b892996e8c1faab9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fcd05c427b854675818876a69ba575b0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9933c5669c2d464ea8763c8a661016fb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66e5f32d66614cbf96ac22658df5f2c6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/739bd6b6b31e4e3394099d83f7f0f179.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/254641af7dd245c08410ca3e24cc8e74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2749b68772324762a9988f535b886807.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5956edc62a5e4b14b81a380f354ff481.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/20743022f82d4ac7ae1f06fe42d870cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/38e58203d50b4f3e9d74413dc9d68d1f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/281139cabcc64c0387ddb795d2faf963.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/60d2cfb298044fe3a306e5d7aded7c78.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0dc2bbc973ad4ac89185823240f0e9df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3018aedf98cb4a78ba16e44bfefe684e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1058df933e5648d7baa26f13f34bfa59.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2d041220b43a469ea265d743a5f0b09a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/52f54b81d24340668556b4c47d197aa9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2e894b77dc8413c823d7db039df1771.jpg"], "vin_decode": {"make": "Jeep", "model": "Gladiator", "year": 2023, "trim": "Sport", "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": 32797.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1C6HJTAG3PL556896.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c6hjtag3pl556896/2023-jeep-gladiator-crew-cab-pickup", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c6hjtag3pl556896/2023-jeep-gladiator-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1C6HJTAG3PL556896.html", "json_url": "https://ai.castlesubarumchenry.com/v/1C6HJTAG3PL556896.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1C6HJTAG3PL556896.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1c6hjtag3pl556896/2023-jeep-gladiator-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260467A, VIN 1C6HJTAG3PL556896. Advertised price: $32,797. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$32,797"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32797.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C6HJTAG3PL556896_finance_48", "type": "finance_48", "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": 32797.0, "price_incl_doc": 32797.0, "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": 818.22, "amount_financed": 34846.81, "sales_tax": 2049.81, "total_of_payments": 39274.49, "finance_charge": 4427.68, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260467A, VIN 1C6HJTAG3PL556896. $818 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,797, before any dealer documentation fee. Amount financed $34,847, including $2,050 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,274. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C6HJTAG3PL556896_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": 32797.0, "price_incl_doc": 32797.0, "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": 681.65, "amount_financed": 34846.81, "sales_tax": 2049.81, "total_of_payments": 40899.28, "finance_charge": 6052.47, "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. $682 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,797, before any dealer documentation fee. Amount financed $34,847, including $2,050 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,899. 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_1C6HJTAG3PL556896_finance_72", "type": "finance_72", "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": 32797.0, "price_incl_doc": 32797.0, "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": 593.94, "amount_financed": 34846.81, "sales_tax": 2049.81, "total_of_payments": 42763.4, "finance_charge": 7916.59, "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. $594 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,797, before any dealer documentation fee. Amount financed $34,847, including $2,050 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,763. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 145}}, {"vin": "1GCPKKEK8SZ138933", "title": "2025 Chevrolet Silverado 1500 LT", "year": 2025, "make": "Chevrolet", "model": "Silverado 1500", "trim": "LT", "decoded_trim": "LT-L", "condition": "used", "price": 45797.0, "msrp": 45797.0, "sale_price": 45797.0, "currency": "USD", "mileage": 16, "exterior_color": "Summit White", "interior_color": "Jet Black", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Turbocharged Gas I4 2.7L/166", "engine_displacement_l": 2.7, "engine_cylinders": 4, "transmission": "8-Speed Automatic", "mpg_city": 17, "mpg_hwy": 20, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7906", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 33, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/98c34ac77e8646529bd6d0eb2fe45a6b.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/98c34ac77e8646529bd6d0eb2fe45a6b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/53d655131e8846d397c33626a4e257dd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4677db40f49c40248b8663734cd902b4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6fd7beb28a6a48b3bd8dae98c4989f30.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8b3931f461f1463fba5ea859716248ca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f54ab89115234604a6bb9b9d0a19e415.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/15c31558e4644abfb47679653925ac42.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e1feabb440c347528f50165e94b233e9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/59aa3557be7c4fe6aec9bb6b9d41f61d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2cf478e0002246bea9fdeae383483962.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8aa5050dd9744703afd6730ef8ff90b3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/911b12b243694866bdcd576ad64cd13f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1e48d327b8df439ea64e792fbb76b84e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/88f4584c8f844a0095cc713e1838a7ee.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/16f38226748742ed8a93a3655eb3c978.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/85152d8010e047699dc967305ada8222.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/17209ae2bafd44968a7f020a768cd94c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6f77851a722e4fa5a40a7e4e305ddff7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3b038c15fb644e308d3c81c53302d6b4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4e17adfa0320455e942c50e764bcd503.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fb8bac7455ef44ea8f7fa775c3d4c95c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5d55865063894957ad27747b60920dc5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/45c35b566a14456a8e46d6c61e7df28c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8c9a5617bfb1414c93d76ed8855a4020.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6f76cfea0c2b446d82631fde28b00251.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd43c7142d1148d99a7113bd8a7ba94c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a280211d3ce748e08794a6d551d7bb03.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/73436f35fa024e0989219ec93e47296f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4a2387e789a94559b85bc278329f47c5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7c9f5128e1d7427eaa51551f6b5f9e4f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1c92532da6354167b9d784e228353697.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/299aa478974f4cd9a2400c54a5679a44.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/564b9f26a20749b4afb03f83110e76cd.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Silverado", "year": 2025, "trim": "LT-L", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "2.7L 4-Cylinder In-Line", "engine_displacement_l": 2.7, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 45797.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1GCPKKEK8SZ138933.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gcpkkek8sz138933/2025-chevrolet-silverado-1500-crew-cab-pickup", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gcpkkek8sz138933/2025-chevrolet-silverado-1500-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1GCPKKEK8SZ138933.html", "json_url": "https://ai.castlesubarumchenry.com/v/1GCPKKEK8SZ138933.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1GCPKKEK8SZ138933.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gcpkkek8sz138933/2025-chevrolet-silverado-1500-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MCP7906, VIN 1GCPKKEK8SZ138933. Advertised price: $45,797. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$45,797"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45797.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1143, "unit": "per_month", "display": "$1,143/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45797.0, "price_incl_doc": 45797.0, "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": 1142.54, "amount_financed": 48659.31, "sales_tax": 2862.31, "total_of_payments": 54842.03, "finance_charge": 6182.72, "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. $1,143 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $45,797, before any dealer documentation fee. Amount financed $48,659, including $2,862 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $54,842. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 45797.0, "price_incl_doc": 45797.0, "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": 951.85, "amount_financed": 48659.31, "sales_tax": 2862.31, "total_of_payments": 57110.84, "finance_charge": 8451.53, "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. $952 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $45,797, before any dealer documentation fee. Amount financed $48,659, including $2,862 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $57,111. 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_1GCPKKEK8SZ138933_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 829, "unit": "per_month", "display": "$829/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45797.0, "price_incl_doc": 45797.0, "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": 829.36, "amount_financed": 48659.31, "sales_tax": 2862.31, "total_of_payments": 59713.87, "finance_charge": 11054.56, "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. $829 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $45,797, before any dealer documentation fee. Amount financed $48,659, including $2,862 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $59,714. 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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23596.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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_3GKALTEG8PL226145_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 490, "unit": "per_month", "display": "$490/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23596.0, "price_incl_doc": 23596.0, "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": 490.42, "amount_financed": 25070.75, "sales_tax": 1474.75, "total_of_payments": 29425.24, "finance_charge": 4354.49, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7859, VIN 3GKALTEG8PL226145. $490 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,596, before any dealer documentation fee. Amount financed $25,071, including $1,475 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,425. 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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48597.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GC4YRE74MF287480_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1212, "unit": "per_month", "display": "$1,212/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48597.0, "price_incl_doc": 48597.0, "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": 1212.4, "amount_financed": 51634.31, "sales_tax": 3037.31, "total_of_payments": 58195.03, "finance_charge": 6560.72, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK181, VIN 1GC4YRE74MF287480. $1,212 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $48,597, before any dealer documentation fee. Amount financed $51,634, including $3,037 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $58,195. 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_1GC4YRE74MF287480_finance_60", "type": "finance_60", "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": 48597.0, "price_incl_doc": 48597.0, "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": 1010.04, "amount_financed": 51634.31, "sales_tax": 3037.31, "total_of_payments": 60602.56, "finance_charge": 8968.25, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK181, VIN 1GC4YRE74MF287480. $1,010 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $48,597, before any dealer documentation fee. Amount financed $51,634, including $3,037 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $60,603. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GC4YRE74MF287480_finance_72", "type": "finance_72", "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": 48597.0, "price_incl_doc": 48597.0, "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": 880.07, "amount_financed": 51634.31, "sales_tax": 3037.31, "total_of_payments": 63364.74, "finance_charge": 11730.43, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCK181, VIN 1GC4YRE74MF287480. $880 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $48,597, before any dealer documentation fee. Amount financed $51,634, including $3,037 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $63,365. 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"}], "suppressed": [{"type": "price_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": 99}}, {"vin": "1GNSKPKD5PR552893", "title": "2023 Chevrolet Tahoe Z71", "year": 2023, "make": "Chevrolet", "model": "Tahoe", "trim": "Z71", "decoded_trim": "Z71", "condition": "used", "price": 60997.0, "msrp": 60997.0, "sale_price": 60997.0, "currency": "USD", "mileage": 28315, "exterior_color": "Black", "interior_color": "Jet Black", "drivetrain": "4WD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas V8 5.3L/", "engine_displacement_l": 5.3, "engine_cylinders": 8, "transmission": "10-Speed Automatic", "mpg_city": 15, "mpg_hwy": 20, "range_miles": null, "battery_kwh": null, "stock_number": "M260412A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 33, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/f52ba5a8f5e74c2a846df15e42f006cc.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/f52ba5a8f5e74c2a846df15e42f006cc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1e6a2b1296304e17a6317162b1d1077a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d690ff3e4b594bb1a523ae944f2afe1e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4226cc1665534daf859bd0d48e6cc739.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d7b921e59e464d009987adc36b963695.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/af4101a8ca1f436b80688211369f832b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/129be6ddeb0b4ae784dc7948528996fe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/26d23e9fb95643dfb2287fd48de2f9fe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7a027e96ed344ab3b07ab0e3100f13b1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa81c398774d4bac878a0ae86bf8dcf3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a94c5d73848c4af48f8a20708f674f7c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/94ad3e9fd5f1467b86a35814ef54d35e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c927549162324c11948ebe40fb9d169e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b258c954f4f24c438a161527587563be.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/82133110fa05443486c2f5490424158e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6e6db8a65a1f45ad866d07d4ee8ff80e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8ff6049f21f44a458bc0eb0f89a37b72.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9ac7ced2b5514e789696fdbf72a7e4c3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/266f744e5a234a07b42b3b67db9150ab.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/986f22b3c4ae4e6196d4368175b2a3ef.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3b18c86dce5b406b90f926236253b955.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/610bacb8b8374d8b9a4662875af8566d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1af058c5ae9d47fba93db219b3bc1db2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/efcd736aaff045ba85c6ea7340c5442a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f90df763301f4efc89b26d3c3744e1bc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/371ffe432e184318830824f54409a86c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7c2b80b7ebcc4d6f849b8870bebf14a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/feaa870d667d45d69558b90f54d10c31.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5642bff93caa4ccaa65861e81f01b1a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/14f30f80baad49b7b87693c76751698a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/69dfd03db1b2491cb40d66fa30dca119.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/42bb6434d451463293b6c098f4210d8f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/324461c94db64e579f919ec51f3a5bf7.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Tahoe", "year": 2023, "trim": "Z71", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "5.3L 8-Cylinder", "engine_displacement_l": 5.3, "cylinders": 8, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 60997.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1GNSKPKD5PR552893.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1gnskpkd5pr552893/2023-chevrolet-tahoe-sport-utility", "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 60997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GNSKPKD5PR552893_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1522, "unit": "per_month", "display": "$1,522/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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60997.0, "price_incl_doc": 60997.0, "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": 1521.75, "amount_financed": 64809.31, "sales_tax": 3812.31, "total_of_payments": 73044.07, "finance_charge": 8234.76, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260412A, VIN 1GNSKPKD5PR552893. $1,522 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $60,997, before any dealer documentation fee. Amount financed $64,809, including $3,812 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $73,044. 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": 60997.0, "price_incl_doc": 60997.0, "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": 1267.77, "amount_financed": 64809.31, "sales_tax": 3812.31, "total_of_payments": 76065.9, "finance_charge": 11256.59, "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. $1,268 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $60,997, before any dealer documentation fee. Amount financed $64,809, including $3,812 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $76,066. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GNSKPKD5PR552893_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1105, "unit": "per_month", "display": "$1,105/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 60997.0, "price_incl_doc": 60997.0, "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": 1104.62, "amount_financed": 64809.31, "sales_tax": 3812.31, "total_of_payments": 79532.87, "finance_charge": 14723.56, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260412A, VIN 1GNSKPKD5PR552893. $1,105 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $60,997, before any dealer documentation fee. Amount financed $64,809, including $3,812 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $79,533. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 98}}, {"vin": "3TYJDAHN4RT003500", "title": "2024 Toyota Tacoma 2WD SR", "year": 2024, "make": "Toyota", "model": "Tacoma 2WD", "trim": "SR", "decoded_trim": "41 Series", "condition": "used", "price": 27997.0, "msrp": 27997.0, "sale_price": 27997.0, "currency": "USD", "mileage": 26078, "exterior_color": "Ice Cap", "interior_color": "Black", "drivetrain": "RWD", "body_style": "Extended Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 2, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7913", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 27, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/47bf7773b703432396ccea0efefbebd0.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/47bf7773b703432396ccea0efefbebd0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/26127ce08c4343a68451fea8727ca87a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b415296e7fbe4108bdae2c02c9073527.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/328b090bc0444e5f9f827ed103bde50d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3050af68363a47929af68fb7a4bb1abc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8019e061d0ce4e97a9c0c5dc36752012.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7b5154041c6f4f869ee1d176c0c4ab3e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3fc6b326f5b2403db7ce4aa4640d4454.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/80abdaac74fe47448202ed482c7ddaba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0070cb65c7d0490bb9641e18a121372b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/de0fe1c2da244d8ba91b07bc975abf48.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/506ca95532504cc7a390fe081fd105a2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ef2c7d2a38af4754be6f1c6a6ee37a2e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7ac87dee6bcf47819353967e5fb88e3e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8a6ceab563b047198615db5b3d0c2f30.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/310bb369e60245dd98a700f184fb9611.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/40ba7d5d41ce41bc824d0bb6d5f9533a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d226d9aab700440e8b049bb76096e64d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e12ee7953b284c928f76daf9924096af.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2ea277fadac64097b0f58e7887db7f80.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c2af390c95b94038870f0c4fbc02403f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f2edfe0271084eeeb2b141e65eccd15f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1329869c0a3b4833899e849810e7702d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/723cf2528d50488db5e4a90cefcfad07.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed931ef19df641669cd76b7dea14da12.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0ac945c9574e4e24b420d86af5526878.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3fb2f514dbab4e909db540150cc3c584.jpg"], "vin_decode": {"make": "Toyota", "model": "Tacoma", "year": 2024, "trim": "41 Series", "body_style": "Pickup", "vehicle_type": "TRUCK", "engine": "2.4L 4-Cylinder In-Line", "engine_displacement_l": 2.4, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27997.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/3TYJDAHN4RT003500.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3tyjdahn4rt003500/2024-toyota-tacoma-2wd-extended-cab-pickup", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3tyjdahn4rt003500/2024-toyota-tacoma-2wd-extended-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/3TYJDAHN4RT003500.html", "json_url": "https://ai.castlesubarumchenry.com/v/3TYJDAHN4RT003500.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/3TYJDAHN4RT003500.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/3tyjdahn4rt003500/2024-toyota-tacoma-2wd-extended-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MCP7913, VIN 3TYJDAHN4RT003500. Advertised price: $27,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$27,997"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 698, "unit": "per_month", "display": "$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": 27997.0, "price_incl_doc": 27997.0, "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": 698.47, "amount_financed": 29746.81, "sales_tax": 1749.81, "total_of_payments": 33526.48, "finance_charge": 3779.67, "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. $698 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,997, before any dealer documentation fee. Amount financed $29,747, including $1,750 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,526. 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_3TYJDAHN4RT003500_finance_60", "type": "finance_60", "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": 27997.0, "price_incl_doc": 27997.0, "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": 581.89, "amount_financed": 29746.81, "sales_tax": 1749.81, "total_of_payments": 34913.47, "finance_charge": 5166.66, "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. $582 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,997, before any dealer documentation fee. Amount financed $29,747, including $1,750 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,913. 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_3TYJDAHN4RT003500_finance_72", "type": "finance_72", "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": 27997.0, "price_incl_doc": 27997.0, "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": 507.01, "amount_financed": 29746.81, "sales_tax": 1749.81, "total_of_payments": 36504.77, "finance_charge": 6757.96, "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. $507 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,997, before any dealer documentation fee. Amount financed $29,747, including $1,750 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,505. 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. 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": 95}}, {"vin": "4S4GUHF64S3721531", "title": "2025 Subaru Crosstrek Sport", "year": 2025, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "certified", "price": 27948.0, "msrp": 27948.0, "sale_price": 27948.0, "currency": "USD", "mileage": 4881, "exterior_color": "Ice Silver Metallic", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Direct Injection", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 27, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MSL062", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 33, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/96e23d8110c4440e95d3f60811c2f792.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/96e23d8110c4440e95d3f60811c2f792.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2a68fff1bc724e28a2e048e1b0db6059.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/996a23363ac2492a8ad8e329ad1273a4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8133a19de6724ae080fa43005b655a8e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/87bb7fbbd24c419dacde5cea7d6fb269.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3592eb7c7b3a41eda219690e2921e41e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a473276e33e44087a7aa62a1d899d804.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/70fa4a95f2a04f9a925929364a9315d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44b958bb88f34deb8f20c209b465a9a6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3de784eea72c498cba1eeb97ccfb1e00.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bf4a3706c7e14f2cb2e9529196e4e9d2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18167dc053274163895ed3f9ff9267ca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0dfbbe952b294f51bbe921e4529bd083.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ba2e22a6b25e4c8d9fc52dd8e8677e85.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4d6c5a9b5fb54b21800817fbd65e33f4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/42acd04f514d4bbdbc8a3ea292231842.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/048180b3b325483e9114ba275b2463dd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/66f05d0840744bfdbab24da5bd8fed12.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/412d858473f14db9bef99cb8f587334f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d46404321504563a6c278becc79d836.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0a602f2e24b34c27a7cde2761e4b4160.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c45d9936c9464e2e88d2d560991fcd84.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7713ee683001415ca66a24010ec3bb09.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/442e3198b1914d26b279bf2fb20c447f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b59c419b5ca24e6cb478d6fde7383c3f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/db04248696fa4b1aa0356b8ff6d186b2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/80a7b8c7b39b4d6eb1e178546722650e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1620716089934e5eb89bcd894db0777e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e8c52aae620c49d893b115286f02966a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/42716b42004244a9b38a0b5cd289b1d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ff9961e51dcb4721b7f03ceb84a894c1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6a75b06827bc46c590b090ce97e7f45f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9b262f4925074ea49595e6e110753c3a.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": 27948.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHF64S3721531.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhf64s3721531/2025-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhf64s3721531/2025-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHF64S3721531.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHF64S3721531.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHF64S3721531.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhf64s3721531/2025-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MSL062, VIN 4S4GUHF64S3721531. Advertised price: $27,948. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$27,948"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27948.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHF64S3721531_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": 27948.0, "price_incl_doc": 27948.0, "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": 697.25, "amount_financed": 29694.75, "sales_tax": 1746.75, "total_of_payments": 33467.8, "finance_charge": 3773.05, "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. $697 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,948, before any dealer documentation fee. Amount financed $29,695, including $1,747 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,468. 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_4S4GUHF64S3721531_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 581, "unit": "per_month", "display": "$581/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27948.0, "price_incl_doc": 27948.0, "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": 580.87, "amount_financed": 29694.75, "sales_tax": 1746.75, "total_of_payments": 34852.37, "finance_charge": 5157.62, "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. $581 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,948, before any dealer documentation fee. Amount financed $29,695, including $1,747 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,852. 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"}, {"offer_id": "of_4S4GUHF64S3721531_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 506, "unit": "per_month", "display": "$506/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27948.0, "price_incl_doc": 27948.0, "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": 506.12, "amount_financed": 29694.75, "sales_tax": 1746.75, "total_of_payments": 36440.89, "finance_charge": 6746.14, "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. $506 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,948, before any dealer documentation fee. Amount financed $29,695, including $1,747 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,441. 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"}], "suppressed": [{"type": "price_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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ftfw5ld8sfb49244/2025-ford-f-150-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1FTFW5LD8SFB49244.html", "json_url": "https://ai.castlesubarumchenry.com/v/1FTFW5LD8SFB49244.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1FTFW5LD8SFB49244.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ftfw5ld8sfb49244/2025-ford-f-150-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 57997.0, "price_incl_doc": 57997.0, "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": 1446.91, "amount_financed": 61621.81, "sales_tax": 3624.81, "total_of_payments": 69451.56, "finance_charge": 7829.75, "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. $1,447 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $57,997, before any dealer documentation fee. Amount financed $61,622, including $3,625 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $69,452. 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_1FTFW5LD8SFB49244_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": 57997.0, "price_incl_doc": 57997.0, "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": 1205.41, "amount_financed": 61621.81, "sales_tax": 3624.81, "total_of_payments": 72324.77, "finance_charge": 10702.96, "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. $1,205 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $57,997, before any dealer documentation fee. Amount financed $61,622, including $3,625 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $72,325. 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": 34997.0, "price_incl_doc": 34997.0, "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": 727.38, "amount_financed": 37184.31, "sales_tax": 2187.31, "total_of_payments": 43642.77, "finance_charge": 6458.46, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MCP7917, VIN 1FMSK8DH5PGB03414. $727 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,997, before any dealer documentation fee. Amount financed $37,184, including $2,187 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,643. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FMSK8DH5PGB03414_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": 34997.0, "price_incl_doc": 34997.0, "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": 633.78, "amount_financed": 37184.31, "sales_tax": 2187.31, "total_of_payments": 45631.94, "finance_charge": 8447.63, "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. $634 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,997, before any dealer documentation fee. Amount financed $37,184, including $2,187 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,632. 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"}], "suppressed": [{"type": "price_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": 116}}, {"vin": "JF2SJABC6JH613473", "title": "2018 Subaru Forester 2.5i", "year": 2018, "make": "Subaru", "model": "Forester", "trim": "2.5i", "decoded_trim": "Base P", "condition": "used", "price": 15397.0, "msrp": 15397.0, "sale_price": 15397.0, "currency": "USD", "mileage": 97010, "exterior_color": "Dark Gray Metallic", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "MS260506A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 26, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/62568bef27944d0baa49d6d3952e6e25.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/62568bef27944d0baa49d6d3952e6e25.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2a614b49c2514f10904a2dcc7636d19d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d62093160a98431fac267b9637c80bf1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3a9081e00f2c45528a060307ea992418.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6d406c8125f34a7db407f9ff655f33a5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9188d560e1f4e77bbada60ec72afaa3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d24cc45f240344dc9dbc5dd4b97f09bb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dff4c1c697034bd2bbad419c14cd8764.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4cf757ae6ed04881811ecb9c4f74ea84.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/06ca7c6fd9dc48d39f0ac69a7c897fd9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1db891aa1caa4538ac3ea5d152f80b7d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d8efcbd8070b418e9397b8121b296f1a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b5228778c0ad46d4bf510fb587bd556a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b83084ad5ee24b6280cc09a37b4a2c52.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8f167db213dd4c068f4bfda2dcde7814.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dde88c4b2e474895b68c1959dfb897d7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2bb12df7d68a4701a586ccc56780819d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4364e4b6c3de4d528f996ebf7a77367c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/24c28f4797674182aa0e3f7960819f0f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28e7ee40f2e24810bdce2ff163cea04a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a88882297fce4db08caf0bfffc080e21.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4c827c8e23ec45dd9583cf30c9c214e0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3a8f5af8bb0940baae8d50fed93f3f4b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e16b549aa163463f96a29034b0caceb7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fa01640f274540e096bf14298b1ecf17.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/68da4cf2551540c3ba459e8ba63c542d.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": 15397.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2SJABC6JH613473.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/jf2sjabc6jh613473/2018-subaru-forester-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/jf2sjabc6jh613473/2018-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2SJABC6JH613473.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2SJABC6JH613473.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2SJABC6JH613473.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/jf2sjabc6jh613473/2018-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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: $15,397. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$15,397"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 15397.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 15397.0, "price_incl_doc": 15397.0, "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": 384.12, "amount_financed": 16359.31, "sales_tax": 962.31, "total_of_payments": 18437.95, "finance_charge": 2078.64, "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. $384 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $15,397, before any dealer documentation fee. Amount financed $16,359, including $962 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $18,438. 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_JF2SJABC6JH613473_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 320, "unit": "per_month", "display": "$320/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15397.0, "price_incl_doc": 15397.0, "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": 320.01, "amount_financed": 16359.31, "sales_tax": 962.31, "total_of_payments": 19200.72, "finance_charge": 2841.41, "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. $320 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $15,397, before any dealer documentation fee. Amount financed $16,359, including $962 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $19,201. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 15397.0, "price_incl_doc": 15397.0, "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": 278.83, "amount_financed": 16359.31, "sales_tax": 962.31, "total_of_payments": 20075.86, "finance_charge": 3716.55, "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. $279 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $15,397, before any dealer documentation fee. Amount financed $16,359, including $962 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $20,076. 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"}], "suppressed": [{"type": "price_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": 132}}, {"vin": "WA1DECF39S1002262", "title": "2025 Audi Q3 S line Premium", "year": 2025, "make": "Audi", "model": "Q3", "trim": "S line Premium", "decoded_trim": "S Line quattro Premium", "condition": "used", "price": 29997.0, "msrp": 29997.0, "sale_price": 29997.0, "currency": "USD", "mileage": 35933, "exterior_color": "Navarra Blue Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "MCP7900", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 29, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/711ce236f6084b0b8546f15d3d170f29.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/711ce236f6084b0b8546f15d3d170f29.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/74c91c4444b848e2ade35d1495fb6e1a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7c99e4ae4af345818dfe007e66c7b712.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3af74096f97943cbbb4c62c861443d7e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8fac861773784197832cc0d7079cde82.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b40ed6eb98fd4dea943c5027bc894a6d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/272bbab769e340079c5a9625fa1acd8f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b525d81d9cbd4bbb92cf8c1204ec4a29.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0906dd91ad734f43beee2aa8fab24bfb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2a88d41cbff244929acadff2b3c90f17.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fba8fc09a424406cacb2345987383a12.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/968bab174f49431e8560641db4ca2419.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ce0efa0ec9241f49854210ae4daa6c4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/799e4b6aaa174edf8c9315f643a9a37d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3bc08d9317954fd18711ed74fbe96cca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aaae0ccf142e4485b3d5b792fb243295.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9b7abc999bf849f996d497b9cbee7e59.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/992645b3254e47a49a7bea381621b568.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/610494e467c049feb18382e562c9d17b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5d858400c5a6477f8826e492a3a4c0d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0d5f286cfaf045928760cf15dbcc1be2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e5f78590897848c6af3fec26153f2ca1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d2b2b8ced35a4a468fe3a30e8d17f54c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f173945a3ad4edfa3eeefd0171e7f26.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8936391309b24f9799f862c14d789138.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/59172885011b491d97be1bbe9f73c45e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e96b2448fd02418bbc95b90b40a2f7f9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ca4104ed5aeb4dd1ae11237d112f0d28.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f31150b4c0074b469c5a994c91bc951b.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": 29997.0, "monroney_url": null, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/wa1decf39s1002262/2025-audi-q3-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/wa1decf39s1002262/2025-audi-q3-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/WA1DECF39S1002262.html", "json_url": "https://ai.castlesubarumchenry.com/v/WA1DECF39S1002262.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/WA1DECF39S1002262.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/wa1decf39s1002262/2025-audi-q3-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$29,997"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 29997.0, "price_incl_doc": 29997.0, "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": 748.36, "amount_financed": 31871.81, "sales_tax": 1874.81, "total_of_payments": 35921.48, "finance_charge": 4049.67, "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. $748 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,997, before any dealer documentation fee. Amount financed $31,872, including $1,875 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,921. 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_WA1DECF39S1002262_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": 29997.0, "price_incl_doc": 29997.0, "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": 623.46, "amount_financed": 31871.81, "sales_tax": 1874.81, "total_of_payments": 37407.56, "finance_charge": 5535.75, "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. $623 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,997, before any dealer documentation fee. Amount financed $31,872, including $1,875 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,408. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 29997.0, "price_incl_doc": 29997.0, "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": 543.23, "amount_financed": 31871.81, "sales_tax": 1874.81, "total_of_payments": 39112.54, "finance_charge": 7240.73, "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. $543 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,997, before any dealer documentation fee. Amount financed $31,872, including $1,875 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,113. 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": 29696.0, "price_incl_doc": 29696.0, "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": 617.2, "amount_financed": 31552.0, "sales_tax": 1856.0, "total_of_payments": 37032.2, "finance_charge": 5480.2, "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. $617 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,696, before any dealer documentation fee. Amount financed $31,552, including $1,856 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,032. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 29696.0, "price_incl_doc": 29696.0, "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": 537.78, "amount_financed": 31552.0, "sales_tax": 1856.0, "total_of_payments": 38720.07, "finance_charge": 7168.07, "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. $538 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,696, before any dealer documentation fee. Amount financed $31,552, including $1,856 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $38,720. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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 #M260229A, VIN 3GCUKFED7SG246925. Advertised price: $53,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$53,997"}], "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": "2026-07-26T16:50:16Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 53997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3GCUKFED7SG246925_finance_48", "type": "finance_48", "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": 53997.0, "price_incl_doc": 53997.0, "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": 1347.12, "amount_financed": 57371.81, "sales_tax": 3374.81, "total_of_payments": 64661.55, "finance_charge": 7289.74, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260229A, VIN 3GCUKFED7SG246925. $1,347 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $53,997, before any dealer documentation fee. Amount financed $57,372, including $3,375 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $64,662. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GCUKFED7SG246925_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1122, "unit": "per_month", "display": "$1,122/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53997.0, "price_incl_doc": 53997.0, "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": 1122.28, "amount_financed": 57371.81, "sales_tax": 3374.81, "total_of_payments": 67336.6, "finance_charge": 9964.79, "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. $1,122 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $53,997, before any dealer documentation fee. Amount financed $57,372, including $3,375 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $67,337. 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_3GCUKFED7SG246925_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 978, "unit": "per_month", "display": "$978/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 53997.0, "price_incl_doc": 53997.0, "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": 977.86, "amount_financed": 57371.81, "sales_tax": 3374.81, "total_of_payments": 70405.7, "finance_charge": 13033.89, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #M260229A, VIN 3GCUKFED7SG246925. $978 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $53,997, before any dealer documentation fee. Amount financed $57,372, including $3,375 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $70,406. 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": 31094.0, "price_incl_doc": 31094.0, "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": 775.73, "amount_financed": 33037.38, "sales_tax": 1943.38, "total_of_payments": 37235.15, "finance_charge": 4197.77, "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. $776 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,094, before any dealer documentation fee. Amount financed $33,037, including $1,943 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,235. 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_5XYK3CDF3TG418356_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": 31094.0, "price_incl_doc": 31094.0, "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": 646.26, "amount_financed": 33037.38, "sales_tax": 1943.38, "total_of_payments": 38775.57, "finance_charge": 5738.19, "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. $646 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,094, before any dealer documentation fee. Amount financed $33,037, including $1,943 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,776. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 31094.0, "price_incl_doc": 31094.0, "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": 563.1, "amount_financed": 33037.38, "sales_tax": 1943.38, "total_of_payments": 40542.9, "finance_charge": 7505.52, "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. $563 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,094, before any dealer documentation fee. Amount financed $33,037, including $1,943 estimated sales tax at 6.25%. That is $17.04 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"}], "suppressed": [{"type": "price_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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null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "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: $28,900. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$28,900"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28900.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 28900.0, "price_incl_doc": 28900.0, "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": 721.0, "amount_financed": 30706.25, "sales_tax": 1806.25, "total_of_payments": 34607.83, "finance_charge": 3901.58, "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. $721 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,900, before any dealer documentation fee. Amount financed $30,706, including $1,806 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,608. 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_JM3KFBCM8S0580609_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": 28900.0, "price_incl_doc": 28900.0, "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": 600.66, "amount_financed": 30706.25, "sales_tax": 1806.25, "total_of_payments": 36039.55, "finance_charge": 5333.3, "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. $601 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,900, before any dealer documentation fee. Amount financed $30,706, including $1,806 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,040. 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_JM3KFBCM8S0580609_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": 28900.0, "price_incl_doc": 28900.0, "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": 523.36, "amount_financed": 30706.25, "sales_tax": 1806.25, "total_of_payments": 37682.18, "finance_charge": 6975.93, "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. $523 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,900, before any dealer documentation fee. Amount financed $30,706, including $1,806 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,682. 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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/jf2bupdd0ty462214/2026-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2BUPDD0TY462214.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD0TY462214.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2BUPDD0TY462214.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/jf2bupdd0ty462214/2026-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36268.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF2BUPDD0TY462214_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": 36268.0, "price_incl_doc": 36268.0, "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": 904.81, "amount_financed": 38534.75, "sales_tax": 2266.75, "total_of_payments": 43431.03, "finance_charge": 4896.28, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL149, VIN JF2BUPDD0TY462214. $905 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $36,268, before any dealer documentation fee. Amount financed $38,535, including $2,267 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $43,431. 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_JF2BUPDD0TY462214_finance_60", "type": "finance_60", "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": 36268.0, "price_incl_doc": 36268.0, "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": 753.8, "amount_financed": 38534.75, "sales_tax": 2266.75, "total_of_payments": 45227.77, "finance_charge": 6693.02, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSL149, VIN JF2BUPDD0TY462214. $754 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $36,268, before any dealer documentation fee. Amount financed $38,535, including $2,267 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $45,228. 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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33797.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MW89FF07P8C99471_finance_48", "type": "finance_48", "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": 33797.0, "price_incl_doc": 33797.0, "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": 843.17, "amount_financed": 35909.31, "sales_tax": 2112.31, "total_of_payments": 40471.99, "finance_charge": 4562.68, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK373, VIN 3MW89FF07P8C99471. $843 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,797, before any dealer documentation fee. Amount financed $35,909, including $2,112 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,472. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MW89FF07P8C99471_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 702, "unit": "per_month", "display": "$702/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33797.0, "price_incl_doc": 33797.0, "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": 702.44, "amount_financed": 35909.31, "sales_tax": 2112.31, "total_of_payments": 42146.32, "finance_charge": 6237.01, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK373, VIN 3MW89FF07P8C99471. $702 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,797, before any dealer documentation fee. Amount financed $35,909, including $2,112 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,146. 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_3MW89FF07P8C99471_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": 33797.0, "price_incl_doc": 33797.0, "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": 612.05, "amount_financed": 35909.31, "sales_tax": 2112.31, "total_of_payments": 44067.29, "finance_charge": 8157.98, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MKK373, VIN 3MW89FF07P8C99471. $612 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,797, before any dealer documentation fee. Amount financed $35,909, including $2,112 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,067. 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. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26597.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 664, "unit": "per_month", "display": "$664/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26597.0, "price_incl_doc": 26597.0, "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": 663.54, "amount_financed": 28259.31, "sales_tax": 1662.31, "total_of_payments": 31849.98, "finance_charge": 3590.67, "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. $664 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,597, before any dealer documentation fee. Amount financed $28,259, including $1,662 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,850. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7FARW2H91NE032151_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": 26597.0, "price_incl_doc": 26597.0, "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": 552.79, "amount_financed": 28259.31, "sales_tax": 1662.31, "total_of_payments": 33167.61, "finance_charge": 4908.3, "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. $553 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,597, before any dealer documentation fee. Amount financed $28,259, including $1,662 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,168. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7FARW2H91NE032151_finance_72", "type": "finance_72", "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": 26597.0, "price_incl_doc": 26597.0, "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": 481.66, "amount_financed": 28259.31, "sales_tax": 1662.31, "total_of_payments": 34679.34, "finance_charge": 6420.03, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MK270037A, VIN 7FARW2H91NE032151. $482 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,597, before any dealer documentation fee. Amount financed $28,259, including $1,662 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,679. 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"}], "suppressed": [{"type": "price_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": "1FT7W2BN7MEE05122", "title": "2021 Ford Super Duty F-250 SRW LARIAT", "year": 2021, "make": "Ford", "model": "Super Duty F-250 SRW", "trim": "LARIAT", "decoded_trim": "F-Series Super Duty - Single Rear Wheel", "condition": "used", "price": 42997.0, "msrp": 42997.0, "sale_price": 42997.0, "currency": "USD", "mileage": 100196, "exterior_color": "Lithium Gray Metallic", "interior_color": "Black", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-8 7.3 L", "engine_displacement_l": 7.3, "engine_cylinders": 8, "transmission": "6-Speed Automatic w/OD", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MK270077A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 15, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/d43645cf71e54a74825d1873dd5b7bae.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/d43645cf71e54a74825d1873dd5b7bae.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f269a943cbc44662b8e6f4b4d4b630ff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2ba1e0bde23b4bf7afb1b7f2d8601ef0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7e0e834ebefd41a39ba3e85e3f74c9aa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/88914f0b00da4b28b8debcb1d320e8b8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2be9d89b24da4da3b15ce036ddd0309c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/40c7398a21b04b598942ca1d26918a1d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3ede9794d1f740e4ac21df560e0a2cb2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e693ec510f2049ae85598af7e86d426a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b5ef36bba6cd448683b63638eb937f39.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c54e11c0783f4df481ea30e12852fe68.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/88ec604b39194f5b8e9f4d313c0f7e6c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e286fd3aeb3c4e4f9867d884dba2c084.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/51f56e210f164d70b4d1882a57672820.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/447c963287b749b59e2130d41acaab83.jpg"], "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": 42997.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/1FT7W2BN7MEE05122.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ft7w2bn7mee05122/2021-ford-super-duty-f-250-srw-crew-cab-pickup", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ft7w2bn7mee05122/2021-ford-super-duty-f-250-srw-crew-cab-pickup", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/1FT7W2BN7MEE05122.html", "json_url": "https://ai.castlesubarumchenry.com/v/1FT7W2BN7MEE05122.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/1FT7W2BN7MEE05122.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/used/1ft7w2bn7mee05122/2021-ford-super-duty-f-250-srw-crew-cab-pickup", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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: $42,997. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$42,997"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 1073, "unit": "per_month", "display": "$1,073/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42997.0, "price_incl_doc": 42997.0, "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": 1072.69, "amount_financed": 45684.31, "sales_tax": 2687.31, "total_of_payments": 51489.02, "finance_charge": 5804.71, "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. $1,073 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $42,997, before any dealer documentation fee. Amount financed $45,684, including $2,687 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $51,489. 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"}, {"offer_id": "of_1FT7W2BN7MEE05122_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": 42997.0, "price_incl_doc": 42997.0, "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": 893.65, "amount_financed": 45684.31, "sales_tax": 2687.31, "total_of_payments": 53619.12, "finance_charge": 7934.81, "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. $894 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $42,997, before any dealer documentation fee. Amount financed $45,684, including $2,687 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $53,619. 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_1FT7W2BN7MEE05122_finance_72", "type": "finance_72", "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": 42997.0, "price_incl_doc": 42997.0, "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": 778.65, "amount_financed": 45684.31, "sales_tax": 2687.31, "total_of_payments": 56063.0, "finance_charge": 10378.69, "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. $779 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $42,997, before any dealer documentation fee. Amount financed $45,684, including $2,687 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $56,063. 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_4S4GUHF61R3705247_finance_48", "type": "finance_48", "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": 25997.0, "price_incl_doc": 25997.0, "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": 648.57, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 31131.47, "finance_charge": 3509.66, "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. $649 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,131. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 25997.0, "price_incl_doc": 25997.0, "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": 540.32, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 32419.38, "finance_charge": 4797.57, "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. $540 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,419. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 25997.0, "price_incl_doc": 25997.0, "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": 470.79, "amount_financed": 27621.81, "sales_tax": 1624.81, "total_of_payments": 33897.01, "finance_charge": 6275.2, "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. $471 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,997, before any dealer documentation fee. Amount financed $27,622, including $1,625 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,897. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "4S4GUHD62T3707826", "title": "2026 Subaru Crosstrek Premium", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Premium", "decoded_trim": "Premium", "condition": "certified", "price": 26379.0, "msrp": 26379.0, "sale_price": 26379.0, "currency": "USD", "mileage": 2912, "exterior_color": "Crystal Black Silica", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Direct Injection", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MSL114", "stock_status": "Available", "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/eeac8e3cfdd443e78c9e6ce497420608.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/eeac8e3cfdd443e78c9e6ce497420608.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/eb45d3a631d8473cb0e14945e50db59c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0dd239d097b94c9eb69e376033234d22.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2fc3278f99c947bcaae597f4e52effd9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7b8eff95125740c8a66d020a6be2fe60.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1288708567bb43ccb970319fa5f35832.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/763837f2be0846799ba2f67f583a8877.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0671f95898f54897905d55712f8e3765.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/27d949b3ba4049d4acd8951d6a067448.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9a21e83d45954883825e892e39a264f5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/767d6e48099b4cee81ca35f94d53bc6e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/76b5981e215d47eb8ab1fbbcb5b8dd1c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/182fd45e9a614dd383163cbe51e065ea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7b57e6b37e4541bf9c206cdd5502d569.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bb3e173434db4369a6195a676e008fc7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7a2695ac8ee24a4c831844262ec4a49b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44d8d8dd7eea455889b35b9a56dd660b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cc068efa64ed4646a0b898959d01c218.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bdb651ebd5db487f97cac32b62a14d64.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/029652b3ef9848159c295b0121ccc28e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bcb49c4a2345401c8c9a868027863c2c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e1021f6c3d464972b35ca0cd63d32e7f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5dad1e3a44e848d2beed2ad6aecf2a61.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5b14ef28656d40ce9d1ddc191b8a2407.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f57a17dfa8274b338125a2a0dab620cd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5e318ba6f04441f395e110d325a590fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fb7900e1f92d4e48a442462a6c12ed12.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/55b08c5864194c19b3604b9e4586302a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3dd6ca9a9cf4466f934243fdf6089811.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/814549acdd4a4787a4e20dccdf4814d5.jpg"], "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": 26379.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHD62T3707826.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhd62t3707826/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhd62t3707826/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHD62T3707826.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHD62T3707826.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHD62T3707826.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhd62t3707826/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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: $26,379. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$26,379"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26379.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 26379.0, "price_incl_doc": 26379.0, "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": 658.1, "amount_financed": 28027.69, "sales_tax": 1648.69, "total_of_payments": 31588.93, "finance_charge": 3561.24, "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. $658 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,379, before any dealer documentation fee. Amount financed $28,028, including $1,649 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,589. 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_4S4GUHD62T3707826_finance_60", "type": "finance_60", "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": 26379.0, "price_incl_doc": 26379.0, "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": 548.26, "amount_financed": 28027.69, "sales_tax": 1648.69, "total_of_payments": 32895.76, "finance_charge": 4868.07, "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. $548 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,379, before any dealer documentation fee. Amount financed $28,028, including $1,649 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,896. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 26379.0, "price_incl_doc": 26379.0, "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": 477.71, "amount_financed": 28027.69, "sales_tax": 1648.69, "total_of_payments": 34395.1, "finance_charge": 6367.41, "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. $478 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,379, before any dealer documentation fee. Amount financed $28,028, including $1,649 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,395. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4btgpd1p3196312/2023-subaru-outback-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4BTGPD1P3196312.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4BTGPD1P3196312.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4BTGPD1P3196312.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4btgpd1p3196312/2023-subaru-outback-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28997.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTGPD1P3196312_finance_48", "type": "finance_48", "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": 28997.0, "price_incl_doc": 28997.0, "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": 723.42, "amount_financed": 30809.31, "sales_tax": 1812.31, "total_of_payments": 34723.98, "finance_charge": 3914.67, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260463A, VIN 4S4BTGPD1P3196312. $723 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,997, before any dealer documentation fee. Amount financed $30,809, including $1,812 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,724. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTGPD1P3196312_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": 28997.0, "price_incl_doc": 28997.0, "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": 602.68, "amount_financed": 30809.31, "sales_tax": 1812.31, "total_of_payments": 36160.51, "finance_charge": 5351.2, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260463A, VIN 4S4BTGPD1P3196312. $603 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,997, before any dealer documentation fee. Amount financed $30,809, including $1,812 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,161. 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": 28797.0, "price_incl_doc": 28797.0, "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": 718.43, "amount_financed": 30596.81, "sales_tax": 1799.81, "total_of_payments": 34484.48, "finance_charge": 3887.67, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260384A, VIN JF2SKAMC9NH478537. $718 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,797, before any dealer documentation fee. Amount financed $30,597, including $1,800 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,484. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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_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": 28797.0, "price_incl_doc": 28797.0, "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": 598.52, "amount_financed": 30596.81, "sales_tax": 1799.81, "total_of_payments": 35911.1, "finance_charge": 5314.29, "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. $599 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,797, before any dealer documentation fee. Amount financed $30,597, including $1,800 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,911. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28797.0, "price_incl_doc": 28797.0, "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": 521.5, "amount_financed": 30596.81, "sales_tax": 1799.81, "total_of_payments": 37547.88, "finance_charge": 6951.07, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260384A, VIN JF2SKAMC9NH478537. $522 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,797, before any dealer documentation fee. Amount financed $30,597, including $1,800 estimated sales tax at 6.25%. That is $17.04 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"}], "suppressed": [{"type": "price_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": 139}}, {"vin": "JF2GUHDC6S8335016", "title": "2025 Subaru Crosstrek Premium", "year": 2025, "make": "Subaru", "model": "Crosstrek", "trim": "Premium", "decoded_trim": "Premium", "condition": "certified", "price": 28190.0, "msrp": 28190.0, "sale_price": 28190.0, "currency": "USD", "mileage": 5439, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Direct Injection", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 27, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260478A", "stock_status": "Available", "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/c797d8400d324886a652a677de42e955.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/c797d8400d324886a652a677de42e955.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fee7a21fad334e868b9801aa632fefe2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b88c4b0b8fad432cafb80633ee3f2b94.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f00acc18f59647bfbb8dddaa844558b7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6dca6155da3d40ebbeca989106ca9c34.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c4043ed71c5c4cc78076ffda970c6680.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/180f2be1b04042899fd2dc4b83e66039.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a1d54d40af134fc69866b0e04f87be9b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6025a31abb3b4a6eb423cc47c2d7aa3e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a632e53152e4439d82facba6b71c112e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8933e8048064465bb9904fd4f05ed586.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a75363a94d424a91863a3f87e49eb9d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b936a9d7829746909497465db017c491.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/34fef9a9c4914a128ffd5bd07ab4e582.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4c8dd1fddec44f89b88c6cb40e6d3fda.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1b4a27e362464737b1b64941300c3bbb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a6fd13d203854dc48afa840c8cbf90c9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/de96214d294d46d1aa12f90b1a3165cf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3b17cef2a30b4feb88f8980ec67e188b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/79bdb2ebcb6b445dbd519143487c7f01.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5c547eb19afb48d591b1cc048b25a6b1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/559dd59b4c4e4fa2b9f5e833ff870b9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/589e25282a4d4e4e96aeb12ad81a39c7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f8df817a32434a2fa87ce30be67ed8b3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4b9ee78d984498893b8845d4bd6c333.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0242054af11c4d70992b4ada4282b4c6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/214acdadabd24c7392f4476fbea6bf98.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9a6e5ae1e5f841928af4d411b2b34dc8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed05d7fdfa3c480cbc632bc79615e3f3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e159ab600add4d949ad0df53bf469870.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d7263ebf9bf347aea40da3478d6aa11c.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": 28190.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/JF2GUHDC6S8335016.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/jf2guhdc6s8335016/2025-subaru-crosstrek-sport-utility", "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": "$28,190"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28190.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 28190.0, "price_incl_doc": 28190.0, "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": 703.28, "amount_financed": 29951.88, "sales_tax": 1761.88, "total_of_payments": 33757.61, "finance_charge": 3805.73, "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. $703 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,190, before any dealer documentation fee. Amount financed $29,952, including $1,762 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,758. 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": 28190.0, "price_incl_doc": 28190.0, "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": 585.9, "amount_financed": 29951.88, "sales_tax": 1761.88, "total_of_payments": 35154.16, "finance_charge": 5202.28, "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. $586 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,190, before any dealer documentation fee. Amount financed $29,952, including $1,762 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,154. 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": 28190.0, "price_incl_doc": 28190.0, "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": 510.51, "amount_financed": 29951.88, "sales_tax": 1761.88, "total_of_payments": 36756.43, "finance_charge": 6804.55, "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. $511 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,190, before any dealer documentation fee. Amount financed $29,952, including $1,762 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,756. 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"}], "suppressed": [{"type": "price_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": "4S4GUHF62T3708164", "title": "2026 Subaru Crosstrek Sport", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "certified", "price": 28219.0, "msrp": 28219.0, "sale_price": 28219.0, "currency": "USD", "mileage": 4863, "exterior_color": "Crystal White Pearl", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Direct Injection", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MSL127", "stock_status": "Available", "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/acc6aec59bc9441e80dbfe0bf93a7da5.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/acc6aec59bc9441e80dbfe0bf93a7da5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6070e9dccad74b6384e9260e4d278faf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/beea4d36e476400e87488699cc53eef3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e1b65f3d73c3421abdd74655eee37859.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dbd07d669c8d461287bf8d7802dc8519.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f473720fdc3744f7910e8f75e4154c0c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0979d2066a6f4e56a342b453ed893eca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5fa48982ef2c4ff3bd85f5861500586c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4eb4864f3a604febb3b193834744886d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a51e29066ad84629b3e8170bb481ab5e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/feeaeb43ef0f495aa6d779c99c661e5c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f72d2e188a9e42a6bc3aaf5558a0c9d1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/193ce90a62f143bf8f255f2cd73dea28.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/68e77602c65443e9a47d1b0faf5b7268.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9df62c0574514dceaa169673cfa2081e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/563fbc880998422f851ca6208592d32e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9c06dbb02114ecd9dcd999e5ca6697c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5b0be1357b694c0c80e7a1e782323eca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8f01d08938384d459e66240711725bbb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/62caa4c9351747ab9753c660f3c3396d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/51fab3a64e1d49859afaa06c1f5233a8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad37ed9aa38d411486e3fac4993136ba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1af370c7971249c5a0fca266927a3efa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0f26a00e54fc44f087e52f7797968767.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fb37afd8065b4b8eb848016e3abd7cbc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c14c1c780bd0459bbd12439995a42165.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ab50e6651dd746929ea52d9720fc43d0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1a400eb5b096435384acf94520b91c1c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6962de15a5044750b0958330ed4c1b00.jpg"], "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": 28219.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHF62T3708164.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhf62t3708164/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhf62t3708164/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHF62T3708164.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHF62T3708164.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHF62T3708164.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhf62t3708164/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$28,219"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28219.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 28219.0, "price_incl_doc": 28219.0, "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": 704.01, "amount_financed": 29982.69, "sales_tax": 1763.69, "total_of_payments": 33792.33, "finance_charge": 3809.64, "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. $704 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,219, before any dealer documentation fee. Amount financed $29,983, including $1,764 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,792. 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_4S4GUHF62T3708164_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": 28219.0, "price_incl_doc": 28219.0, "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": 586.51, "amount_financed": 29982.69, "sales_tax": 1763.69, "total_of_payments": 35190.32, "finance_charge": 5207.63, "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. $587 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,219, before any dealer documentation fee. Amount financed $29,983, including $1,764 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,190. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 28219.0, "price_incl_doc": 28219.0, "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": 511.03, "amount_financed": 29982.69, "sales_tax": 1763.69, "total_of_payments": 36794.24, "finance_charge": 6811.55, "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. $511 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,219, before any dealer documentation fee. Amount financed $29,983, including $1,764 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,794. 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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31217.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 31217.0, "price_incl_doc": 31217.0, "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": 778.8, "amount_financed": 33168.06, "sales_tax": 1951.06, "total_of_payments": 37382.44, "finance_charge": 4214.38, "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. $779 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,217, before any dealer documentation fee. Amount financed $33,168, including $1,951 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,382. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 31217.0, "price_incl_doc": 31217.0, "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": 648.82, "amount_financed": 33168.06, "sales_tax": 1951.06, "total_of_payments": 38928.95, "finance_charge": 5760.89, "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. $649 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,217, before any dealer documentation fee. Amount financed $33,168, including $1,951 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,929. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 31217.0, "price_incl_doc": 31217.0, "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": 565.32, "amount_financed": 33168.06, "sales_tax": 1951.06, "total_of_payments": 40703.27, "finance_charge": 7535.21, "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. $565 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,217, before any dealer documentation fee. Amount financed $33,168, including $1,951 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,703. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 32885.0, "price_incl_doc": 32885.0, "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": 683.48, "amount_financed": 34940.31, "sales_tax": 2055.31, "total_of_payments": 41009.02, "finance_charge": 6068.71, "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. $683 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,885, before any dealer documentation fee. Amount financed $34,940, including $2,055 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,009. 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": 32885.0, "price_incl_doc": 32885.0, "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": 595.53, "amount_financed": 34940.31, "sales_tax": 2055.31, "total_of_payments": 42878.15, "finance_charge": 7937.84, "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. $596 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,885, before any dealer documentation fee. Amount financed $34,940, including $2,055 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,878. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31855.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 31855.0, "price_incl_doc": 31855.0, "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": 794.72, "amount_financed": 33845.94, "sales_tax": 1990.94, "total_of_payments": 38146.45, "finance_charge": 4300.51, "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. $795 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,855, before any dealer documentation fee. Amount financed $33,846, including $1,991 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,146. 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": 35697.0, "price_incl_doc": 35697.0, "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": 741.93, "amount_financed": 37928.06, "sales_tax": 2231.06, "total_of_payments": 44515.7, "finance_charge": 6587.64, "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. $742 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,697, before any dealer documentation fee. Amount financed $37,928, including $2,231 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $44,516. 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": 35697.0, "price_incl_doc": 35697.0, "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": 646.45, "amount_financed": 37928.06, "sales_tax": 2231.06, "total_of_payments": 46544.66, "finance_charge": 8616.6, "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. $646 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,697, before any dealer documentation fee. Amount financed $37,928, including $2,231 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $46,545. 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": 34274.0, "price_incl_doc": 34274.0, "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": 620.68, "amount_financed": 36416.13, "sales_tax": 2142.13, "total_of_payments": 44689.25, "finance_charge": 8273.12, "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. $621 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,274, before any dealer documentation fee. Amount financed $36,416, including $2,142 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,689. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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 #MSL109, VIN 4S4BTAPC5S3305626. Advertised price: $36,637. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$36,637"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36637.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 914, "unit": "per_month", "display": "$914/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36637.0, "price_incl_doc": 36637.0, "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": 914.02, "amount_financed": 38926.81, "sales_tax": 2289.81, "total_of_payments": 43872.9, "finance_charge": 4946.09, "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. $914 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $36,637, before any dealer documentation fee. Amount financed $38,927, including $2,290 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $43,873. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 761, "unit": "per_month", "display": "$761/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36637.0, "price_incl_doc": 36637.0, "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": 761.47, "amount_financed": 38926.81, "sales_tax": 2289.81, "total_of_payments": 45687.92, "finance_charge": 6761.11, "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. $761 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $36,637, before any dealer documentation fee. Amount financed $38,927, including $2,290 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $45,688. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 36637.0, "price_incl_doc": 36637.0, "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": 663.48, "amount_financed": 38926.81, "sales_tax": 2289.81, "total_of_payments": 47770.31, "finance_charge": 8843.5, "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. $663 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $36,637, before any dealer documentation fee. Amount financed $38,927, including $2,290 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $47,770. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 123}}, {"vin": "4S4GUHF6XT3705657", "title": "2026 Subaru Crosstrek Sport", "year": 2026, "make": "Subaru", "model": "Crosstrek", "trim": "Sport", "decoded_trim": "Sport", "condition": "certified", "price": 27676.0, "msrp": 27676.0, "sale_price": 27676.0, "currency": "USD", "mileage": 4705, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Direct Injection", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MSL134", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 30, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/53e53168267747f6b5518653edd92663.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/53e53168267747f6b5518653edd92663.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/77c1e0aaf26c49808ca27bc23d7e7cea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4f809af9f89a46b3931287d6cf734698.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/28d4e04db2fd4355939287ef651b5de0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7d0ecc67a1bf4d1a864fe2f3e9298a16.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c28226d811114f02889031cd907e4c2b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4a930452d2b74b5a94e19d8b239397a8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/53e2f37fa61e48978d9f1bbfd4c89f9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b13554bb8b754b67a952beb13b00883f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dc009bedddc64eb0b3073fb161a506d3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/039272cf85994ba6b37bd419a79625bd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dbb5c6fc8d1b44f68f459685a8cf993a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5ef24591da7c4288ba3963d4a355934b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/def5387cb37a4868b7bb89d439ac166c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fad7f1c0c0e94c8f974d385dfdb8c235.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/00f9beaaf1bc413e9f6d7d786db1b868.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/99a4a58af6734de188129dac549eab9f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6bc40aa56cc84b0e87b7a97b82433c6e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/16e9caa58fce4a6e9241eca153752b99.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a4f6aa86d6bc46b8be8d809f007de29b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/46434c8a80144ab99f1de61594f2e021.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a879d850223e417792a79b738db1dadd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/de57dd089f91417ca54da11391cf17fb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8c7536bc4b55458792c0cee3d47b483d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/419affa9f9c145359eeb097363fc948a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7b3c669793a143d1bd8c6bd89a1f796a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f8f524960fc5456296b8053bd2e734f4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/01a7e7bcc3fa4e6583a9b0671146d734.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e837ea6fb0a54f30b4a8ff20ebd2b598.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2d16727e58504dc4a3d045bb97ad7d6d.jpg"], "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": 27676.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHF6XT3705657.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhf6xt3705657/2026-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhf6xt3705657/2026-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHF6XT3705657.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHF6XT3705657.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHF6XT3705657.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhf6xt3705657/2026-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$27,676"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27676.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 690, "unit": "per_month", "display": "$690/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27676.0, "price_incl_doc": 27676.0, "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": 690.46, "amount_financed": 29405.75, "sales_tax": 1729.75, "total_of_payments": 33142.08, "finance_charge": 3736.33, "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. $690 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,676, before any dealer documentation fee. Amount financed $29,406, including $1,730 estimated sales tax at 6.25%. That is $23.48 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"}, {"offer_id": "of_4S4GUHF6XT3705657_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": 27676.0, "price_incl_doc": 27676.0, "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": 575.22, "amount_financed": 29405.75, "sales_tax": 1729.75, "total_of_payments": 34513.17, "finance_charge": 5107.42, "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. $575 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,676, before any dealer documentation fee. Amount financed $29,406, including $1,730 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,513. 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": 27676.0, "price_incl_doc": 27676.0, "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": 501.2, "amount_financed": 29405.75, "sales_tax": 1729.75, "total_of_payments": 36086.23, "finance_charge": 6680.48, "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. $501 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,676, before any dealer documentation fee. Amount financed $29,406, including $1,730 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,086. 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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28453.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 28453.0, "price_incl_doc": 28453.0, "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": 709.84, "amount_financed": 30231.31, "sales_tax": 1778.31, "total_of_payments": 34072.54, "finance_charge": 3841.23, "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. $710 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,453, before any dealer documentation fee. Amount financed $30,231, including $1,778 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,073. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28453.0, "price_incl_doc": 28453.0, "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": 591.37, "amount_financed": 30231.31, "sales_tax": 1778.31, "total_of_payments": 35482.12, "finance_charge": 5250.81, "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. $591 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,453, before any dealer documentation fee. Amount financed $30,231, including $1,778 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,482. 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_4S4GUHF65T3708014_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 515, "unit": "per_month", "display": "$515/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28453.0, "price_incl_doc": 28453.0, "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": 515.27, "amount_financed": 30231.31, "sales_tax": 1778.31, "total_of_payments": 37099.34, "finance_charge": 6868.03, "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. $515 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,453, before any dealer documentation fee. Amount financed $30,231, including $1,778 estimated sales tax at 6.25%. That is $17.04 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"}], "suppressed": [{"type": "price_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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24297.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "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": 24297.0, "price_incl_doc": 24297.0, "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": 504.99, "amount_financed": 25815.56, "sales_tax": 1518.56, "total_of_payments": 30299.41, "finance_charge": 4483.85, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5940, VIN 4S3BWAN66R3004186. $505 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,297, before any dealer documentation fee. Amount financed $25,816, including $1,519 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,299. 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"}, {"offer_id": "of_4S3BWAN66R3004186_finance_72", "type": "finance_72", "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": 24297.0, "price_incl_doc": 24297.0, "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": 440.01, "amount_financed": 25815.56, "sales_tax": 1518.56, "total_of_payments": 31680.41, "finance_charge": 5864.85, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MSP5940, VIN 4S3BWAN66R3004186. $440 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,297, before any dealer documentation fee. Amount financed $25,816, including $1,519 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,680. 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. 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": 72}}, {"vin": "4S4GUHL62R3733532", "title": "2024 Subaru Crosstrek Limited", "year": 2024, "make": "Subaru", "model": "Crosstrek", "trim": "Limited", "decoded_trim": "Limited", "condition": "certified", "price": 25497.0, "msrp": 25497.0, "sale_price": 25497.0, "currency": "USD", "mileage": 52938, "exterior_color": "Magnetite Gray Metallic", "interior_color": "Gray w/Orange Stitching", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Direct Injection", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "MS260329A", "stock_status": "Available", "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/b0402f30c98341ce8d8d12f0c4bcbe35.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/b0402f30c98341ce8d8d12f0c4bcbe35.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c34cc495efd44386834e8b1ec7c968a9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2cd13c518bd1454d951930c2e516a349.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f0a45ff91f4840099ff979c95034cc75.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f64e12b9d2634df39f3da17a8616d734.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2f29a4a2a09b42dda842b5f3f7951e9b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/632b8555c28843ceb6dfde81ae3f6d7d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d420ae96f2054d7899392641394c8511.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5ee51932a4684572a12e5421898cee70.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/318db90190584a0c9608e46c1333f257.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e8aa8e47d0ec44d4ad4887c0d49a5fa5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f8181a83f12d47d2b601750b6414dabc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c3a5efe92fdc4c7aa3918f442a14ef11.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/250d4cef94344f3ea914999f83acc921.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/462da5acb07b41cf877b715deb79fa36.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/00d5d76ee7a846e2a4b9997752846b70.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3cf94f9ef81244f5a86d01d9b1724e34.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a95f466ded574c01a1488b8bd8252f6a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/de7e4c7f09e240ebac43e3d17924c1fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/57cbf2476df84930ba16cd05458bea34.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f1477ec373984c57a34bfe140536e8d4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e8ea394ab63249b9890db844b94d3120.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2fef25e9d2c24dc8a9d716ad008cdcf4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cfceaee9c166415b909a5961d8217da0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0071c27e3cb745458bed66baf897cd0b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5ff274aa743b43fcbb448c1747cad88c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5c3f67eb4e60416eae5a58873454e010.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd2503d807d247f0aa31a009acdd1bed.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/86a9816f58c04620a7855163d87d3a2c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/176435288d514770b1c03cc77bda31ca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b8179fd0a5964694b9212ae0a2ecf7d3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9121ebfde1324a9a98f7a016ffdb46db.jpg"], "vin_decode": {"make": "Subaru", "model": "Crosstrek", "year": 2024, "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": 25497.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4GUHL62R3733532.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhl62r3733532/2024-subaru-crosstrek-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhl62r3733532/2024-subaru-crosstrek-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4GUHL62R3733532.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4GUHL62R3733532.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4GUHL62R3733532.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4guhl62r3733532/2024-subaru-crosstrek-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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 #MS260329A, VIN 4S4GUHL62R3733532. Advertised price: $25,497. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by 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": "$25,497"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25497.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4GUHL62R3733532_finance_48", "type": "finance_48", "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": 25497.0, "price_incl_doc": 25497.0, "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": 636.1, "amount_financed": 27090.56, "sales_tax": 1593.56, "total_of_payments": 30532.72, "finance_charge": 3442.16, "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. $636 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,497, before any dealer documentation fee. Amount financed $27,091, including $1,594 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,533. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 530, "unit": "per_month", "display": "$530/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25497.0, "price_incl_doc": 25497.0, "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": 529.93, "amount_financed": 27090.56, "sales_tax": 1593.56, "total_of_payments": 31795.86, "finance_charge": 4705.3, "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. $530 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,497, before any dealer documentation fee. Amount financed $27,091, including $1,594 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,796. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 25497.0, "price_incl_doc": 25497.0, "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": 461.74, "amount_financed": 27090.56, "sales_tax": 1593.56, "total_of_payments": 33245.07, "finance_charge": 6154.51, "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. $462 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,497, before any dealer documentation fee. Amount financed $27,091, including $1,594 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,245. 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"}], "suppressed": [{"type": "price_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": 27157.0, "price_incl_doc": 27157.0, "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": 677.51, "amount_financed": 28854.31, "sales_tax": 1697.31, "total_of_payments": 32520.58, "finance_charge": 3666.27, "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. $678 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,157, before any dealer documentation fee. Amount financed $28,854, including $1,697 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,521. 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_4S4GUHD62T3722584_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 564, "unit": "per_month", "display": "$564/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_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_4S4SLDD66T3031547_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. 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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_4S4SLDD66T3031547_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 640, "unit": "per_month", "display": "$640/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30786.0, "price_incl_doc": 30786.0, "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": 639.86, "amount_financed": 32710.13, "sales_tax": 1924.13, "total_of_payments": 38391.48, "finance_charge": 5681.35, "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. $640 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,786, before any dealer documentation fee. Amount financed $32,710, including $1,924 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,391. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 558, "unit": "per_month", "display": "$558/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30786.0, "price_incl_doc": 30786.0, "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": 557.52, "amount_financed": 32710.13, "sales_tax": 1924.13, "total_of_payments": 40141.31, "finance_charge": 7431.18, "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. $558 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,786, before any dealer documentation fee. Amount financed $32,710, including $1,924 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,141. 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"}], "suppressed": [{"type": "price_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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/jf2skagc0rh413531/2024-subaru-forester-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/JF2SKAGC0RH413531.html", "json_url": "https://ai.castlesubarumchenry.com/v/JF2SKAGC0RH413531.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/JF2SKAGC0RH413531.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/jf2skagc0rh413531/2024-subaru-forester-sport-utility", "generated_at": "2026-07-26T16:50:06Z", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,697"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28697.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 28697.0, "price_incl_doc": 28697.0, "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": 715.93, "amount_financed": 30490.56, "sales_tax": 1793.56, "total_of_payments": 34364.73, "finance_charge": 3874.17, "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. $716 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,697, before any dealer documentation fee. Amount financed $30,491, including $1,794 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,365. 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_JF2SKAGC0RH413531_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 596, "unit": "per_month", "display": "$596/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28697.0, "price_incl_doc": 28697.0, "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": 596.44, "amount_financed": 30490.56, "sales_tax": 1793.56, "total_of_payments": 35786.4, "finance_charge": 5295.84, "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. $596 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,697, before any dealer documentation fee. Amount financed $30,491, including $1,794 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,786. 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": 28697.0, "price_incl_doc": 28697.0, "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": 519.69, "amount_financed": 30490.56, "sales_tax": 1793.56, "total_of_payments": 37417.49, "finance_charge": 6926.93, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MS260350A, VIN JF2SKAGC0RH413531. $520 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,697, before any dealer documentation fee. Amount financed $30,491, including $1,794 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,417. 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": 81}}, {"vin": "4S4WMABD2T3402220", "title": "2026 Subaru Ascent Premium", "year": 2026, "make": "Subaru", "model": "Ascent", "trim": "Premium", "decoded_trim": "Premium", "condition": "certified", "price": 35062.0, "msrp": 35062.0, "sale_price": 35062.0, "currency": "USD", "mileage": 4976, "exterior_color": "Autumn Green Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Direct Injection", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Gasoline H-4 2.4 L/146", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "MSL151", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 28, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/40e5602654354be0816674c9db19d0c8.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/40e5602654354be0816674c9db19d0c8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8b71b38d353344fc86435e51af9bbdb7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9d6ab28a76864444a03eacda9a56b298.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/76c3fa57cc5b40299e40a3b62435e903.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/458b828ce0ce4ee785a5327f3502e0cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b80c618e0fc546639060e4f270b4b4a5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44984fe96907403687571bfba6d930e9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/da88655813b942faba26a02948897448.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fd7a8a5501064224920fe63c501f3efa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/15263e8ee6704bd3be00c3d58a7b9542.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7dbb22eb091144a59031595fcccc1ced.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48677e98072e44ca947f8782b5e73bbe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9f6d8756614a49979a8aca3828ed8d4a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5f991765a13245c4867e1867dcfe126a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3506868a012b4aeba2804a368f5cf8b3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4198b1fdf0134070a31e52ddc774d6ad.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f48043b0786d480c97975596f8c10aa3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4786b3d9635849d28946e90689c7bc61.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2f20808a88c74ee2b563689d71532cf3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/015b93f5c8cd462c9b604e2bea19d692.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2cf1a4231bec400581412798aeef7b5a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a29dc2bc1efa405c855aeea105043602.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dbb396e851724ba58d32135b90d6d7a1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7101a73cab484204b69f59b68080e1c4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0694e834ac344cb9895f8bd603d196ea.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/314e59f3abc24b17b7f39b94e91c9a4b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/59353d190fcc4774ba5c4e108eed5baa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6469c80c8abf478584a8bc8f0a7a1a01.jpg"], "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": 35062.0, "monroney_url": "https://ai.castlesubarumchenry.com/sticker/4S4WMABD2T3402220.pdf", "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4wmabd2t3402220/2026-subaru-ascent-sport-utility", "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 Subaru McHenry", "short_name": "Castle Subaru McHenry", "city": "McHenry", "state": "IL", "address": "1121 State Rte 31", "zip": "60050", "phone": "(779) 601-0797", "website": "https://www.castlesubarumchenry.com"}, "source_vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4wmabd2t3402220/2026-subaru-ascent-sport-utility", "canonical_url": "https://ai.castlesubarumchenry.com/vehicle/4S4WMABD2T3402220.html", "json_url": "https://ai.castlesubarumchenry.com/v/4S4WMABD2T3402220.json", "markdown_url": "https://ai.castlesubarumchenry.com/v/4S4WMABD2T3402220.md", "vdp_url": "https://www.castlesubarumchenry.com/viewdetails/cpo/4s4wmabd2t3402220/2026-subaru-ascent-sport-utility", "generated_at": "2026-07-26T16:50:06Z", "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": 4, "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": "$35,062"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35062.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 35062.0, "price_incl_doc": 35062.0, "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": 874.73, "amount_financed": 37253.38, "sales_tax": 2191.38, "total_of_payments": 41986.84, "finance_charge": 4733.46, "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. $875 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,062, before any dealer documentation fee. Amount financed $37,253, including $2,191 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,987. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "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": 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": 35062.0, "price_incl_doc": 35062.0, "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": 728.73, "amount_financed": 37253.38, "sales_tax": 2191.38, "total_of_payments": 43723.84, "finance_charge": 6470.46, "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. $729 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,062, before any dealer documentation fee. Amount financed $37,253, including $2,191 estimated sales tax at 6.25%. That is $19.56 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": 35062.0, "price_incl_doc": 35062.0, "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": 634.95, "amount_financed": 37253.38, "sales_tax": 2191.38, "total_of_payments": 45716.71, "finance_charge": 8463.33, "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. $635 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,062, before any dealer documentation fee. Amount financed $37,253, including $2,191 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,717. Offer expires 2026-07-31. Estimated for ZIP 60050. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,952"}], "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": "2026-07-26T16:50:17Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60050", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27952.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an 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": 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": 27952.0, "price_incl_doc": 27952.0, "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": 697.35, "amount_financed": 29699.0, "sales_tax": 1747.0, "total_of_payments": 33472.59, "finance_charge": 3773.59, "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. $697 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,952, before any dealer documentation fee. Amount financed $29,699, including $1,747 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,473. 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"}, {"offer_id": "of_4S4GUHF67S3764924_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 581, "unit": "per_month", "display": "$581/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27952.0, "price_incl_doc": 27952.0, "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": 580.96, "amount_financed": 29699.0, "sales_tax": 1747.0, "total_of_payments": 34857.36, "finance_charge": 5158.36, "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. $581 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,952, before any dealer documentation fee. Amount financed $29,699, including $1,747 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,857. 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": 27952.0, "price_incl_doc": 27952.0, "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": 506.2, "amount_financed": 29699.0, "sales_tax": 1747.0, "total_of_payments": 36446.1, "finance_charge": 6747.1, "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. $506 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,952, before any dealer documentation fee. Amount financed $29,699, including $1,747 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,446. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_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": 12, "elapsed_ms": 34}}]}