Ours seem to be somewhat the same. The dealer had told us that our 2012 was an end of the year build. It has larger tires and a bigger AC, changes they were making for the next year model. I just looked at the NADA guide and it is not listed. If I looked at the 2013 it is there. We did not finance but I find it hard to believe that we could not finance it because of this.
Goody Two Shoes and the Filthy Beast
2008 Chevy Silverado 2500HD
Duramax and Allison 6 speed
2012 Wildcat 282RKX
You can't make things idiot proof, you can only make them idiot resistant.