[supertrope]

This is distressingly common in marketing. "0% APR financing for well qualified buyers." Where well qualified means 720 FICO score, lower debt to income, and lower payment to income ratios. These details are not even in the fine print of the ad. Then there's ads that show a picture of the high end version of a product with text "starting from <low price>!" (that corresponds to the base model).

[garciasn]

Less than a 720 FICO score is “fair” with 720 being “good”. I’m sorry but “fair” doesn’t make you a well-qualified buyer IMO, so I’m not sure what point you’re trying to make.

[supertrope]

It's FICO & DTI & PTI. None of this is defined in the ad not even the fine print. I'm well aware that 700 is around the 50th percentile.