A Rolls Royce Cullinan is the automaker’s only SUV, and the price ranges from $349,000 to $440,000 depending on the trim and add-ons. A customer, who calls himself Mr. Daniel, contacted Yusuf Benallal – a YouTuber (@ridewithyusufb) turned car dealer in the Atlanta, Georgia area.

His goal is always to help the customer as best as he can by either buying their car from them and reselling it or providing financial advice if he can’t help.

As part of his channel, he’ll record customer calls – omitting personal information, of course – to help educate his viewers on car buying and financial literacy. Mr. Daniel called Yusuf about a 2022 Rolls Royce Cullinan that’s “financially killing him.”

“[Mr. Daniel] owes almost $400,000 on it, he pays $5,000 a month and it’s upside down big time, and wants to get out of it,” Yusuf told his viewers before taking the call.

Mr. Daniels paid the market price for the Rolls Royce initially

“I got it maybe, like, two years ago and I paid around $384,000 initially, and you know, I’m trying to get rid of it,” he said.

Yusuf asked the usual questions of his customers, like how many miles are on it – and Mr. Daniels drove it daily, putting 40,000 miles on it in two years. After running some numbers, Yusuf determined he was underwater by $105,000, thanks to market adjustments and a high-interest loan.

Mr. Daniels told Yusuf he didn’t have any money to cover the negative equity, which put Yusuf as a dealer in a tough position. However, Mr. Daniels was truly stuck between a rock and a hard place.

“I’ve been dealing with a lot, you know, my son just got caught up with something and he got 30 years, so I have to try and make sure he’s okay, so… I really have to get rid of this car.”

Yusuf referred him to a different dealer

Sensing the emotional toll his situation is taking on him, Yusuf advised Mr. Daniel to go to a friend of his who could offer him more money. However, he encouraged Mr. Daniels to come up with some money to help cover the negative equity. Otherwise, there wouldn’t be a reliable way to help him.

“I offered him a very good market value price on the vehicle, but unfortunately it would not cover his loan,” Yurusk wrote in the caption. “So, I recommended he try to sell retail on Facebook or try to find a dealership. They may offer him more money and can sell it at a higher price.”