{
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  "title": "2024 Kia Sportage X-Line",
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  "mpg_hwy": 26,
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    "make": "Kia",
    "model": "Sportage",
    "year": 2024,
    "trim": "X-LINE",
    "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]",
    "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)",
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    "engine_displacement_l": 2.5,
    "cylinders": null,
    "drive_type": "4WD",
    "fuel_type": "Gasoline",
    "doors": 5
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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": "Charlie Obaugh Auto Group",
    "short_name": "Charlie Obaugh",
    "city": "Staunton",
    "state": "VA",
    "address": "410 Lee Jackson Highway",
    "zip": "24401",
    "phone": "(540) 324-4446",
    "website": "https://www.charlieobaugh.com"
  },
  "source_vdp_url": "https://www.charlieobaugh.com/vehicle/used-2024-kia-sportage/5XYK6CDF9RG161445",
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  "generated_at": "2026-10-06T12:51:53Z",
  "price_source": "motorsdynamic:domain_41",
  "price_source_seen_at": "2026-10-06T06:48:20.749Z",
  "price_excl_doc_fee": 29995.0,
  "price_includes_doc_fee": true,
  "doc_fee": 799.0,
  "price_note": "Includes $799 dealer processing fee",
  "savings": null,
  "price_check": {
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    "issues": [],
    "checks": 2,
    "rule": "as_is",
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  "price_advertisable": true,
  "price_age_hours": 6.1,
  "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 #26K212A, VIN 5XYK6CDF9RG161445. Advertised price: $30,794. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. Virginia rates apply. The advertised price includes a $799 dealer processing fee. Tax, title and tags are not included in vehicle prices shown and must be paid by the purchaser. One vehicle at this price, subject to prior sale. See the dealership for complete details.",
    "lines": [
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    ],
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    "substantiated": true,
    "reason": "required disclosure elements missing: what the savings figure is measured from",
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  "disclosure_version": "1.0.0",
  "features": [
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    "Android Auto",
    "Wireless Charging",
    "Heated Seats",
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    "Blind Spot Monitor",
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    "Navigation",
    "Leather Seats"
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      "price": 395.0
    },
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    {
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    },
    {
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    },
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    },
    {
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    },
    {
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    },
    {
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    }
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  "destination_charge": 1325.0,
  "price_breakdown_verified": true,
  "monroney_enriched": true,
  "monroney_options_verified": true,
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      "state": "VA",
      "doc_fee": 799.0,
      "doc_fee_source": "tenant.pricing",
      "doc_fee_in_advertised_price": true,
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      "price_confirm_note": null,
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    },
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          "unit": "per_month",
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        "advertisable": false,
        "not_advertisable_because": [
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        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend.",
        "inputs": {
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          "down_payment": 0.0,
          "term": 48,
          "apr": 4.99,
          "tax_rate": 0.043,
          "zip": "24401",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 739.51,
          "amount_financed": 32118.14,
          "sales_tax": 1324.14,
          "total_of_payments": 35496.6,
          "finance_charge": 3378.46,
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          "due_at_signing": {
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            "title": 60,
            "registration": 100,
            "total": 160
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        },
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        "substantiation_complete": true,
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          "validator_version": "1.1.0"
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      {
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        "label": "Finance",
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          "unit": "per_month",
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        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
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        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend.",
        "inputs": {
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          "down_payment": 0.0,
          "term": 60,
          "apr": 5.49,
          "tax_rate": 0.043,
          "zip": "24401",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 613.35,
          "amount_financed": 32118.14,
          "sales_tax": 1324.14,
          "total_of_payments": 36800.73,
          "finance_charge": 4682.59,
          "per_1000_financed": 19.1,
          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #26K212A, VIN 5XYK6CDF9RG161445. $613 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,794, which includes the $799 dealer processing fee. Amount financed $32,118, including $1,324 estimated sales tax at 4.3%. That is $19.10 per $1,000 financed. Total of payments $36,801. Offer expires 2026-10-31. Estimated for ZIP 24401. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
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          "severity": "none",
          "safe_to_advertise": true,
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          "validator_version": "1.1.0"
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      {
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        "type": "finance_72",
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        "headline": {
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          "unit": "per_month",
          "display": "$532/mo"
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        "not_advertisable_because": [
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        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend.",
        "inputs": {
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          "doc_fee": 799.0,
          "down_payment": 0.0,
          "term": 72,
          "apr": 5.99,
          "tax_rate": 0.043,
          "zip": "24401",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 532.14,
          "amount_financed": 32118.14,
          "sales_tax": 1324.14,
          "total_of_payments": 38313.99,
          "finance_charge": 6195.85,
          "per_1000_financed": 16.57,
          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #26K212A, VIN 5XYK6CDF9RG161445. $532 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,794, which includes the $799 dealer processing fee. Amount financed $32,118, including $1,324 estimated sales tax at 4.3%. That is $16.57 per $1,000 financed. Total of payments $38,314. Offer expires 2026-10-31. Estimated for ZIP 24401. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "pass",
          "severity": "none",
          "safe_to_advertise": true,
          "failed_checks": [],
          "checks_run": 16,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-10-31",
        "engine_version": "beacon-offer-engine/1.0",
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    "counts": {
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      "suppressed": 0,
      "advertisable": 0
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    "elapsed_ms": 9
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}