Holden Commodore VF2 SSV Redline W375 , a walk around and short drive

[@WH4TSHISN4ME]

as a former resident of redlynch.....the roads are horrible in cairns. love the car

[@JohnWick-rc6or]

Iconic car mate, Its unfortunate they don't make these cars anymore hold onto it it will be worth a lot one day & it looks like it's taken care of 🙂 loving these videos keep it up👌🏼

[@RedSS]

Loved your video, such a great and legendary car! Love my Holden here in the 🇺🇸👍🏼

[@gavinpavlina]

Howdy , thanks for watching. The Chevy SS in the 🇺🇸 USA usually have more options than the Aussie 🇦🇺 ones. They are excellent cars. Happy motoring my friend, have a Fantastic 2021🎉🎊🍺🚙🤘🇺🇸🇦🇺

[@colinp1233]

Beautiful car mate, now I want to upgrade my v6

[@peterrichards1058]

Hold on to it mate as this car like all Aussie made cars is now a part of our proud manufacturing history. I bought my last car a Holden SSV sportwagon and I have no interest in anything being produced now.

[@gavinpavlina]

I’m the same, no Camaro,V8’s or anything else really grab me now. If I won the lotto, I could see myself in a Dodger Challenger Demon but I would definitely keep my Redline too. I love the Sportswagons, best of both worlds, I’m sure you must love it! Thanks for watching 🙏🚙, enjoy your day🍺

[@freedomchaser151]

Love it mate.. I’ve got a white 2017, black out kit with some work done and dropped a bit on MCA coilovers and the handling compared to the FE2 is amazing. It’s now like a go cart with 450hp. Love the blue

[@gavinpavlina]

Hi Rich, I really like the white with the black, they look amazing. I would like to lower mine but I can’t get into the garage with anything lower than the stock FE3. It’s a bit of a problem unless we buy another house.🤔 Happy motoring! 🚙and thanks for watching 🙏🙏🤘🍺😀

[@WorksOnMyComputer]

Nice car mate. That blue really suits the styling changes in series 2. I've got one of the Series 1 Redline's in Fantale, it was actually the first VF Redline sedan in Tassie (very early build) and like you, I have no plans to sell it.

[@gavinpavlina]

Hi Daniel, I love that Fantail colour, n fact I nearly brought a Stratocaster guitar in 2014 in a colour very close to your car’s colour. Not many cars in that colour so I would think your will be worth an extra premium for that. It’s such a shame Holden are not around any more, the VE/VF range were awesome. The European Commodore just missed the point in my humble opinion. I’ll look out for your car in January, we are planning on visiting Tassie if everything goes well. There won’t be many Redlines in that colour . Take care and happy cruising🚙🙏👍😃🍺

[@gavinpavlina]

Daniel, you won’t believe it, I was just outside the front of my house and a Fantail Clubsport went past, rare as hens teeth, awesome colour!

[@falcon81701]

Great Colour. I picked up a 16 in prussian steel but I love that blue

[@gavinpavlina]

Thanks for watching. I really like the Prussian Steel too, my parents brought a Calais in that colour, they should have brought the SS. Have a fantastic day🙏🙏🙏🍻 🚙

[@ozwasp]

Nice car.... My mate works at Cairns Airport as a bean counter

[@gavinpavlina]

Thanks for watching, I bet I have bumped into your mate at some stage, I am one of the old fossils that have worked out there for what seems like 100 years. Thanks again 🙏🙏🚙

[@gazo8025]

Nice car ,, God bless you and your kids,, drive safe brother

[@gavinpavlina]

Thanks Gazo, I will , Bless you too🙏🙏🙏

[@markmatehaere9542]

Beautiful whip i have a 2015 VF GTR limited edition and now i want a 2017 HSV GTSR W1

[@rodneymcgiveron]

Great vid and a beautiful VF ...While not a Holden owner I still like them a lot as I do with the Aussie Ford Falcon which I do own and love ...Got a FG XR6 and a beaut older AU ll Futura ...The real tragedy is the total demise of the iconic Holden company which if anybody even 2-3 years ago had said would happen I would have called them insane ...Greatest respect but the worst thing is that the final car called Commodore wasn't a true Commodore ..The VF like yours was the last proper Holden not the European Insignia based one ...Looks like your Redline is in great hands ..Cheers ..

[@gavinpavlina]

Thanks for your comments. I agree , it was such a shame that Holden closed, and the end of car manufacturing in Australia. It’s really sad. I feel sad that Ford stopped making the Falcons too, awesome cars. Sounds like you have some beautiful cars too. I guess we have to look after our Aussie Treasures- no more coming. Have a fantastic day! 🙏😀🚙🍺

[@TheMidrev]

Hi Gav, nice car good choice Holden👍. We’ve been in Australia for 36 years and the only cars I’ve been driving was Holden and now VW. Had HR 161 ci station wagon, HQ 202 auto s/w, HX 253 (4.2L) sedan and WB 3.3L Ute. The HX I kept for almost 18 years. The best car for it’s time. Bought it 8 years old, 2nd owner. Later I got it gas converted. Beautiful car. Sad I sold it. BDW I subscribed your channel since you had the bet with Vrata. I recon he’s gonna drink the ugly beer 🍺👍

[@gavinpavlina]

😂, Let’s hope so! I wish I never made the bet , I’m doomed 😬🍺🍺🍺🍺🍺🍺. You had a great range of cars, I’m a big fan of the 253 and the HJ/HX/HZ cars, especially the Sandman’s. I also like the HR , beautiful style and from the same year I was born. I bet you miss the HX, it would be worth good coin nowadays. And the Radial Tuned Suspension, much better than the previous models. Much appreciate you subscribing, may your beers always be cold and better than the 6 Vrata may drink.🙏🍺😂

[@MrClemmo13]

Very nice. Love the color. Sounds amazing on idol. Love it!

[@ayhanresul]

Hi Gavo, I'm from Melbourne. Nice car brother, enjoy the ride mate. She is a keeper and hope you will hold on to it for as long as you can. I have the same one but in dark green (peacock green)and its a auto, wish it was a manual but still very lucky to have it. Always get the looks and comments in public. Just got it last year as well. I've always had commodores but always wanted a V8 and finally got my hands on the best built V8 ever. I have done lots of cosmetic changes and some mechanical upgrades. At the moment I'm pumping 370hp at the rear wheel. Next step is the headers and cats and dyno again. It all comes down to cost. Hope you get your supercharger soon. Cheers mate. Enjoy the beautiful beast and a safe one. 👌👍🙏

[@gavinpavlina]

Great to hear from you Alex. My wife and I really like the Peacock Green, it’s amazing how the colour changes in different light. You are right, the LS3 ticks all the boxes. I’m a bit like you with Commodores too. In the late 80’s I had a V8 Sandman, then a VC SS (replica) with a 308 stroked to 355. Then the next 3 Commodores were V6’s until my wife allowed me to have this beast I have now in the driveway. I was quite impressed with my last car, 2012 VE SV6 but the LS3 with the W375 is an altogether different beast. Happy Motoring my friend, thanks for watching and commenting.🙏🙏🚙😀🤘🙏

[@jojotakuma4622]

Amazing car..Brilliant Colour... (NZ)

[@gavinpavlina]

Thank you Jojo, she is very special. Hope all is well in NZ🙏👍🍺🍺🚙🙏

[@FredmChoice]

Well well well, i own its sister car! Same Year, colour, Auto & mine has the Walkinshaw Pk as well. Ive added installed the following on mine: NGK TR6IX (One step colder spark plugs), Granatelli Leads (zero ohms) and an Elite Engineering Oil Catch Can Have Purchased a set of (new!) KW Coilovers V3's and will be installing them this week.(Coilovers can be left at standard height- beauty is: fully adjustable bounce and rebound)

[@gavinpavlina]

Awesome- someone else with impeccable taste! Glad to hear from you, I’m going to check out the leads and plugs. I can’t play with my suspension as my car only just gets into the garage. I’m soon getting a retractable Bolland in the garage and hopefully I’ll be able get my wife to agree on a W547 upgrade. I think we are both really lucky, the Slipstream blue is awesome as is the W375. Hope you have fun in your and your new coil overs 🚙🙏😀🤘

[@mb-2042]

My dad has a 2014 SSV Redline (6.0 Litre) with the Walkinshaw 310 kit on it. (Manual Ofc)

[@gavinpavlina]

I see your Dad has great taste in cars, hopefully he will keep it for you down the track. The Walkinshaw kits are awesome. Thanks for watching, have a fantastic day🙏🙏🚙👍

[@jordanscarreviews6164]

Hi Gavin this is Jordan’s car reviews here. What month and date is the car? There’s a build tag in the front passenger door that tells you what month and date the car is. I would really love to see a full review on your VF2 SSV redline and all those other Holden’s that you mentioned please.The car being the last of an Aussie icon and only having have done 7500KM in the last 4 years I wouldn’t use it every day. There’s another KZbinr called ZacBaldy who’s in Brisbane and he has a breeze 2008 Ford falcon XR6 turbo and a Nissan R33 Skyline and his friend has a Ford FG Falcon XR8 Ute in octane orange. Can you please do a road trip in a 2014 Ford FG Falcon XR6 in kenetic blue please. You should get a loan on it and use it as your daily. The is in Western Australia and its 18’888 and if you don’t have the money you can get a loan and pay the bank back each week. I will come up with more stuff in the comments when you upload next. Please subscribe to my KZbin channel. From Jordan’s car reviews.

[@gavinpavlina]

Hi Jordan’s Car Review, Thanks for the comment. My car is a April 15 2016 build. I had the car delivered new with the W375 Walkinshaw pack on 30 May 2016. She is really just a Sunday driver, I do an average of 144 kms a month. I still want to drive her but I keep it in a new condition . The XR6 sounds great but I am really happy with my 2002 Hilux Dual Cab which is my daily, I have put 36,000kms on that since I brought my Redline.🚙. It’s a bit rough but Is very practical and handy. I’ll do another review and will subscribe to your channel, have a great night- thanks again 🙏

[@tomnovotny9953]

When I was young I was a petrol head I had a 1973 XA Falcon GT 351 Cleveland V8 4 speed beautiful car I am sorry that I sold it, anyway I have subscribed to your channel cheers Tom

[@gavinpavlina]

Thank you Tom. I’m more of a Holden man than a Ford man but I certainly appreciate the fine cars they put out , I nearly brought a XB GT but the beige colour paint was jus to big a hurdle , so I bought a Holden Sandman. I reckon you are lucky to have owned the 351 in a Cleveland block, the big heads and valves made it a monster.. Once a petrol head, always a petrol head 🍺😂🤘

[@tcm140756]

Gday, enjoyed your video, very informative. After 20 years since my first SS commodore, i managed to pick up a last month build 2017 unbadged SS ex NSW police vehicle and it brings a smile to my face every time i drive it, thankfully i kept my VE, also ex cop car that runs on injected gas (funnily enough both silver) as at $2/litre i try to keep the SS garaged as much as i can...tough ask... quick question, anyone know the 3 lights in the top of centre display of the dash...i think the first has lane markings, is this to keep car lane central?...cheers

[@georgiatomaskova1384]

Hi Gavin, thank you very much for your video. Amazing car. A blue colour is my favorite. I will share video with my cousine George in CZ. Ahooj

[@gavinpavlina]

Ahoj Georgia, I’m glad you like my car and are sharing the video, much appreciated. Hope all is well in Adelaide 🙏

[@Jakeyboy____11]

I’ve got a black vf2 ssv redline. Moving from Melbourne to cairns next month, I’ll probably see you around 😂

[@gavinpavlina]

I ll let you know when we are doing a cruise, probably not during the wet season though. We had a 10 car cruise after our local Covid restrictions, great fun. Welcome! 😀🙏 🚙 🤘

[@andrewt1327]

Ozzy Osborne 👍 got the same car, still deciding on 375 package.. the exhaust sounds as if not better than the music!

[@gavinpavlina]

Hi Andrew, you won’t regret getting the W375 package, I’m pretty stoked with mine. I hope to win the Lotto and buy the W547 pack , my wife isn’t impressed with all the money I spend so I need a win. You have awesome taste in cars and music too🤘. Thanks for watching, have a fantastic day🙏🙏🚙🎸🤘

[@andrewt1327]

@@gavinpavlina Hi Gavin, some guys are charging over the top for just the W375. Got quoted 7K for it which includes a custom tune. Sounds like a lot for OTR, Headers, Exhaust and Tune. Maybe I should get them to include Porting of the Headers :)

[@gavinpavlina]

Hi Andrew, you definitely can get the same package cheaper but not through Walkinshaw . I paid the 6.5k extra for the W375 when the car was delivered new to Holden who had a commercial agreement with Walkinshaw. For me it was mostly for the warranty as the kit was installed by Holden so I was really paying for the peace of mind. But I wouldn’t hesitate to drop the 20+ K for the W547 upgrade if I could afford it. The W375 is excellent, smooth and streetable when needed or a angry beast when required. My mate Dave has a W547 in his SS and it is a missile. I’m really curious to see what mine would be like as it is a manual and his is a auto. I hope to shoot the W547 vid very soon, maybe this week. My next step after that would be to Stroke it out to 400+ci. Happy Motoring Andrew 🚙🙏🤘🍺

[@volksdeutschewaffenss9670]

beautiful car mate, best and last Aussie built car, look after her , there not made any more, its a Aussie corvette

[@gavinpavlina]

I will, take great care of her, she is my baby. I just want to pop in a bigger camshaft and a big supercharger although that’s a few years away, Covid has hurt the bank account . She has 7712km after 53 months, a little over 4.5 years old . Thanks for watching 🙏🙏🚙👍

[@pjbrawn2646]

Nice care mate, I must add though the roads in NQ are a million times better than the roads in CQ😂😂

[@gavinpavlina]

I haven’t driven much around Central Queensland, I just assumed that the roads got worse the further north one drives. I guess all of the regional areas get forgotten about... that’s a real shame. Thanks for watching, hope you have a nice and cool day in CQ - it’s going to be hot down there today.🍺🍺🍺🍺🍺🚙

[@pjbrawn2646]

@@gavinpavlina got a sub mate, I guarentee you cam that car within a year

[@brettthomas1964]

Hi Gavin, how are things going mate, hope you are all okay there, have you still got the commodore mate 👍 cheers.

[@petracullen4505]

Nice car ,like new.Ahoj Tomíku ,ahoj Gavinek

[@gavinpavlina]

Ahoj Petra, enjoy your day 🧐

[@Matt_1975]

Hey champion how’s she on fuel? I had a VE GTS, it wasn’t too bad if you laid off the loud pedal 😂

[@adamkeselj4962]

Hey mate I love this car I'm from Melbourne wish I can afford one one day 😀😀🤟🤟🤟

[@gavinpavlina]

Hi Adam, thanks for watching . There are heaps of cool cars in Melbourne, I’m sure you will find one at a fair price when the time comes. So much choice there, not much choice up here in Cairns, and the identical cars can cost 2k or 3k more than Melbourne prices. Have a fantastic Christmas 🎄 🚙🙏🍺🤘🤘

[@Delirium1211]

If you want one, you'd probably be best off buying ASAP, they're currently going up in price rather down due to Holden's demise. I bought 2016 Redline in 2019 for $43k, I've gotten the kilometres up to 40,000 from 20,000, and it currently goes for $10k more than I paid for it according to Redbook and Carsales.

[@gavinpavlina]

I reckon they are a good investment. I still drive mine regularly when the weather is fine. I considered just parking it on car stands and keeping her really low kms but decided that I wanted to drive her too. Worth more now than I paid for her new. Both my Ninja kids want to buy my car but that’ll be a long time off if I get my way.😳🙏🚙🤘

[@simonkuba5845]

hola bro ! cheers from czech republic :-) you have good one car

[@gavinpavlina]

🙏 thank you and Ahoj

[@brettthomas1964]

Hi Gavin, greetings from Melbourne mate, i love your car and videos, i have a silver vf2 2017 SS sedan, ex police car from nsw, fantastic car, take care, and hope you and your family ,have a great Christmas mate. Cheers.

[@gavinpavlina]

Hi Brett, thanks for your comment. Sounds like you also have an awesome car, the Silver looks great and having the 2017 is a real bonus for the value. I’m sure you are driving it a bit with the Melbourne lock down finally over. Wishing you and your family a Merry Christmas 🎄 too, hope our 2021 is a great year for all.🙏 🚙

[@tcm140756]

gday Brett....we might have sister cars as i too got a final build 2017 unbadged SS commodore previous owner was the NSW police, and, it too is silver, gotta say though i am biased...stunning car...

[@brettthomas1964]

@@tcm140756 Hi...I still have mine, and still all original, mine came from minto police 🚔 nsw.

[@tcm140756]

@@brettthomas1964 gday, not sure where mine came from, dealer book just lists it as a VF SS NSW police dept and im in melb...cya round the traps....oh shit, guess what...just checked dealer book, sold to police in Minto...lol

[@brettthomas1964]

@@tcm140756 that's fantastic mate, I live in Seaford, and brought mine from Frankston Toyota. Cheers mate 👍

[@peterlee6745]

Hi Gavin. Good Vid i'm in UK Have cribe a HSV VXR8 6.2 .Great Aussie V8s .Your Roads are a Bit Like Uks .Our's are 50 /60 70 mph. And we have Cams everywhere .Cheers M8. Have Subscribe

[@gavinpavlina]

Hi Peter, great to hear from you. You have excellent taste in cars my friend . The 6.2 litre LS3 is a real beauty. It’s sad the roads are speed limited so poorly in Australia and the UK. They should build the major roads better and make them like the Autobahn in Germany. I haven’t even seen what my car does in 3rd gear, I don’t want the free picture and fine. Take car, thanks for watching and subscribing 🙏🙏🚙🍺🍺🙏🙏

[@simonkuba5845]

good sounds engine

[@gavinpavlina]

It’s a very nice and noisy tone - thank you 🙏

[@garyrielly1955]

Great video mate. Your SS-V Redline does sound mean which I think is because of the extractors. Very nice Slipstream Blue SS-V Redline mate. I don't blame you for taking extra precautions on your security for your SS-V Redline. I know first hand what it is like to lose a car from some light fingered bas***ds back in 1975. I never saw my car ever again. It is something you never forget

[@gavinpavlina]

Hi Gary, thanks for watching my video. Sorry to hear your loss with you car. I have only ever had a bike and a camera stolen and that was bad enough, a car would hurt. They should charge car thieves and their car chases with attempted murder in my humble opinion. Hopefully this week I will film my mate Dave’s W547. It was delivered new as a W375 like mine from Ireland’s Holden. If the weather is fine we shall give it a test and I’ll post it the vid on Friday. Hope you have a great week, thanks again 🙏🙏 🚙 😀

[@bobbrown3471]

I might try stealing it soon 😏 (just kidding 😂)

[@AustraliaBestStudy]

Wow u drove the Sunday car on a week day

[@gavinpavlina]

Yep, a moment of weekness😂😂😉

[@AustraliaBestStudy]

@@gavinpavlina :) do not do it again :)

[@gavinpavlina]

I’m bringing it to your house next 🚙😃

[@AustraliaBestStudy]

@@gavinpavlina is it a promise ?

[@gavinpavlina]

I promise young man, very soon 🚙😃😂

[@Drunk0nCustard]

the car itself is amazing i just dislike the 19inch tires and prefer it with 20inch, but fairly sure not legal in qld

[@gavinpavlina]

Hi James, thanks for watching. I was very inclined to have 20’s on my car but after living in Cairns and these terrible roads for so long I opted for 19’s. I do think the 20’s look better and I think it was only a small price difference, but unfortunately the further north you go , the worse the roads get. If I lived in Perth or Canberra I would have definitely had 20’s. If I win the lotto , I will get 20’s and have both, hopefully a W547 upgrade too🙏🙏🙏. Have a excellent evening 🍺🙏🙏🚙

[@timw7186]

Hey mate where did you get the chrome accessories for the engine bay?

[@ljp4008]

Haha no way I was just in cairns with some family and that last road you were on is where they live lmaoo small world

[@gavinpavlina]

Hope you had a good time up here in Cairns, great weather at the moment 🙏. It is a small world! Thanks for watching my video 🙏🚙🍺

[@ljp4008]

@@gavinpavlina yeah thanks mate! I had a great time up there, it seems every time I visit though I bring bad weather hahaha

[@dustymclennan4267]

Hows the fuel with these cars on a Dailey day to day car, any other good things about these vf as i just brought a vf ssv 2016 with 500hp 6speed manual should i be worryed baha about the power

[@burtgummerVerified]

Can you do an update on this one

[@danielkotous4966]

Hello, Nice car! :) I am from Vráťa Rehola. You have interesting videos, go ahead!

[@gavinpavlina]

Ahoj Daniel, thanks for watching. I’m hoping to make some more videos in the next few days. Have a fantastic day🙏🍺🤘😃

[@perpetualgrin5804]

Hope your survived the floods😅.

[@pepapotuznik5554]

The video is OK👍🍺🇨🇿

[@gavinpavlina]

Ahoj Pepa, Nasdravi 🍺🍺🍺🍺

[@nhraandnascarfanatic5907]

Killing off the commodore and falcons was just a senseless and unnecessary act... now we’re just lumped with all the yanks crap... love the car by the way bud, nice one 👍

[@gavinpavlina]

Absolutely, it was a disgraceful decision. No more manufacturing in this fine country is a detriment to the economy overall, not to mention awesome Aussie car designs . I’m not sure what I would buy if I were buying a new car again, so I won’t buy one, I’ll take good care of what I have. Thanks for watching, appreciate your comment.🙏🚙🙏👍🙏

[@brettthomas1964]

Hi mate, have you still got your ssv redline.

[@gavinpavlina]

Hi Brett , I do , sitting on 9600km on the odometer. When the weather improves I might shoot another video, anything you want to see on it ?

[@brettthomas1964]

@gavinpavlina Hi mate, Happy New Year, I've still got the ss, would love to see the exhaust system, of your car mate, I think mine maybe the same. Take care, looking forward to watching your next videos. Cheers 👍

[@Thenuja2009]

Yay it's a manual

[@the_microfibre_man]

Is the exhaust still bimodal?

[@paulmclean4047]

Do you have a Facebook page ? So I can find out when you do a cruise I'd like to join in

[@gavinpavlina]

I’m off Facebook but if you pm me on [e-mail] we can keep you in the loop. We are long overdue for a cruise so hopefully we will be having a drive soon.

[@firststep7750]

The only flaw on the Redlines.....is the blasted SUNROOF! I had two cars with a roof-gash....and NEVER AGAIN.

[@gavinpavlina]

I kinda have to agree. Up here in the tropics it’s either hot or we have torrential rain. Not great for a giant hole in the roof. I’m not sure the Redline even had an option not to have it..🤔 Thanks for watching 🙏🙏🚙🍺

[@dankoz3286]

Hold the traction control button down for 5 seconds

[@gavinpavlina]

Yep, she gets exciting to drive in launch mode but it’s expensive smoking up and frying the 10 inch tyres - awesome fun though😀🙏🤘🚙

[@dankoz3286]

It’s not launch mode Holding the button down for 5 seconds turns the electronic stability control off so you can do fishtails

[@markkennedy8300]

Still have it?

[@kiwimade81]

How much these worth these days

[@north3044]

Cairns is nice but hate the roads

[@gavinpavlina]

So true, even Townsville which is 320km south has much better roads, the further north you drive, the worse the roads get. I opted for 19 inch wheels rather than 20’s because of these crappy roads.

[@north3044]

@@gavinpavlina I live in Mareeba so I know how bad the roads are

[@craZYbob317]

Sat nav that hasn't been updated since 2017

[@johns1721]

It’s not worth stealing mate

[@gavinpavlina]

😂😂😂. That’s what my wife says. Thanks for watching 🙏🙏🚙

[@johns1721]

@@gavinpavlina I’ve got vf ss wagon 6.0

[@gavinpavlina]

Nice, I’ve always liked the wagon , a Marshall 4 x 12 half stack speaker fits nicely in the back. They only just fit in the sedans. Nothing like the V8 to drive. Happy Motoring🚙

[@johns1721]

@@gavinpavlina looking at putting turbo on wagon keeping it looking stock / sleeper

[@gavinpavlina]

John- that would be an absolute weapon. I’ll make sure I’m careful not to line up with any wagons in case it’s you and you leave me sitting in a cloud of tyre 💨 smoke.😂🙏

[@mihalyfreeman5928]

Decent roads mate in other countries? Try driving in Las Vegas mate you will know HORRIBLE roads are. Cairns sucks big time! You can have the 100 degrees and 100 humidity. I would never live there again, ever. Tacko? Nort? Sat Nav? Bonnet? The dumb words Aussie use to describe ordinary things. No such words mate. Only known as SLAG in your part of the world.

[@johnboy5167]

Better than your crap country you bogan 😁

[@randallk2556]

How much km have you racked up now Edit: after 2 weeks of no response I have a feeling you don’t have it anymore because you can’t afford the payments.