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re: I hate buying cars
Posted on 4/13/20 at 1:11 pm to Higgysmalls
Posted on 4/13/20 at 1:11 pm to Higgysmalls
I never get financing through a dealership, frick all that. I use a credit union at 1.8 or 1.9%. Just easier.
0
Posted on 4/13/20 at 1:19 pm to BeepNode
quote:
if a new Tahoe has a price of $58,170 on the chevy internet site, how much would be a good price to pay for it?
I wouldn’t pay over $52-$53k. That’s just reality.
You’re not getting more than 10% generally without either an over inflated sticker (Ford) or just junk (Dodge).
Posted on 4/13/20 at 1:34 pm to Chad504boy
quote:
0% ford applies to XLT models only. Like I said
From what I can tell this is not true
LINK
Click the "see trims" link under each offer
I see Lariat, King Ranch, etc.
Also you can get 0% and negotiate down the price.
Everything in life is negotiable
This post was edited on 4/13/20 at 1:35 pm
Posted on 4/13/20 at 1:47 pm to DiamondDog
quote:
You just have to push and be willing to walk away.
Yep. I told Honda I want $2k off the sticker price and 0% financing. I said if I couldn't get that, I am not buying. I don't need a new car & its debt that bad.
It unnecessarily took 6 hours of them offering incremental drops in price until I drove off the lot in a new Honda at the price & financing I initially tabled.
Posted on 4/13/20 at 1:48 pm to Higgysmalls
I love buying cars. Its the one environment you can act like a complete asshat and nobody cares.
Posted on 4/13/20 at 1:48 pm to DiamondDog
quote:
You’re not getting more than 10% generally without either an over inflated sticker (Ford) or just junk (Dodge).
You brand loyalists crack me up. You can pick up Gm trucks for 20% off sticker pretty much any day of the year. 
Posted on 4/13/20 at 1:52 pm to Higgysmalls
Only if you borrow through the dealership. If using your own financing, then paying “cash” means nothing.
Posted on 4/13/20 at 2:03 pm to Jack Daniel
Got my 17' Sonata after 18s came out new for 18k tax tag and extended warranty.
They pulled shady shite to get me to finance through hyundai at 5.9%
I paid my credit union $100 to refi 3 days later at 1.9%.
They pulled shady shite to get me to finance through hyundai at 5.9%
I paid my credit union $100 to refi 3 days later at 1.9%.
Posted on 4/13/20 at 2:07 pm to Gusoline
Oh yeah. And frick the finance manager with his special extended warranty that he is only gonna offer you. That shite has been played out
Posted on 4/13/20 at 2:20 pm to ibldprplgld
quote:
I've never financed a car through the dealership. My credit union has always given me the best rates. Maybe I could get a dealership to best the credit union's rates, but I prefer to deal with the dealership as little as possible.
You're leaving $$$ on the table. Use your credit Union to get a pre-approved loan with 60 days to use. Use the dealer financing to get the best price. You don't care what the interest rate is. Use your CU loan to pay off dealer financing at first payment. I have done this with Ford (F150s) the last 3 times at the same dealership. There is usually $1000-$1500 on the table for using dealer financing.
Posted on 4/13/20 at 2:22 pm to Gusoline
quote:
Got my 17' Sonata after 18s came out new for 18k tax tag and extended warranty. They pulled shady shite to get me to finance through hyundai at 5.9% I paid my credit union $100 to refi 3 days later at 1.9%.
NFCU will pay YOU to do this. $200 right now but varies throughout the year.
Posted on 4/13/20 at 2:25 pm to PrivatePublic
Yeah patience pays off and having multiple dealerships near you too. I’ll work one via email that is kinda out of my way and I don’t really plan on going to. I’ll get them down to a price I feel is close but the best offer. Then I’ll go in person so a different one with the intent to walk away using the emails as leverage to get a better deal. After a few days they’ll keep bugging you to come back in. Then I’ll go to my dealership of choice and use all the info I have to get them to agree to my ideal price. I’ve done it 3 times and sometimes it’s taken a month but never been in a hurry and always walked away happy with what I paid.
Now is the time of you feel secure in your employment. Dealerships are hurting.
Now is the time of you feel secure in your employment. Dealerships are hurting.
Posted on 4/13/20 at 2:30 pm to Norbert
quote:
Me too.
It all very much depends on what you like spending money on.
I do not particularly enjoy driving. It just gets me where I need to go.
I do not care about the majority of pricey bells and whistles.
I do not need the newest model of vehicle.
I do not care about top end speed or acceleration.
I do not have any interest in car design.
Thus, for me, cars can be a tremendous waste of money.
My current vehicle is certified used. I've had it for 7 years. It still runs beautifully, and thanks to how well-built cars are these days I can easily drive this thing for another 5-10 years.
If you purchase cars in this manner, you can sock away far more money for things that matter - like early retirement .
This is me, bought my last suv certified used 3 years old with 48k, it’s 10 years old now and I’ve added about another 100k miles but it’s paid for.... can probably get another 5 years. Haven’t needed anything except new tires. I have no problem going another 5 years, that car note money goes towards savings, vacations, anything else I want to spend several hundred a month on
Posted on 4/13/20 at 2:32 pm to RTRinTampa
quote:
You're leaving $$$ on the table. Use your credit Union to get a pre-approved loan with 60 days to use. Use the dealer financing to get the best price. You don't care what the interest rate is. Use your CU loan to pay off dealer financing at first payment. I have done this with Ford (F150s) the last 3 times at the same dealership. There is usually $1000-$1500 on the table for using dealer financing.
This isn't a bad idea. I'd just rather kick my shin into a trailer hitch as hard as I can than deal with dealerships anymore than I have to
I'll be buying a new car in 2021, so I might use this tactic.
Posted on 4/13/20 at 2:34 pm to Clark W Griswold
This. I just picked up a Mazda 6 on 3/30 and got an amazing deal on it. I did all negotiations via email and played the different dealerships off of each other. Finally I got them all to within $100 on price, so whoever would give me most for my trade would earn my business. Ended up with a very good offer on my trade in.
I was in and out of dealership within 30 minutes. Most pleasant buying experience ever. Hope most dealers will stick to the email/text method. No one wants to sit at a dealership all day playing their stupid game to buy a car
I was in and out of dealership within 30 minutes. Most pleasant buying experience ever. Hope most dealers will stick to the email/text method. No one wants to sit at a dealership all day playing their stupid game to buy a car
Posted on 4/13/20 at 2:38 pm to LNCHBOX
quote:
You brand loyalists crack me up. You can pick up Gm trucks for 20% off sticker pretty much any day of the year.
This virus must have struck me hard, but you are right.
20% is a beginning negotiation point, not an ending one. 
Posted on 4/13/20 at 2:57 pm to Jack Bauers HnK
lol - worse credit = higher interest rate = more they may be willing to take off the top. I learned this buying a car with a newly formed business. The business had no credit history, which opened up a whole new level for negotiating bottom line price. Went through it all and then paid cash.
Posted on 4/13/20 at 3:02 pm to Higgysmalls
Posted on 4/13/20 at 3:03 pm to BeepNode
$44,500
Posted on 4/13/20 at 3:19 pm to ibldprplgld
quote:
This isn't a bad idea. I'd just rather kick my shin into a trailer hitch as hard as I can than deal with dealerships anymore than I have to
I make a game of it and act like they're doing me a huge favor. Its amazing what they'll throw into the deal if they think you're happy to get their 6.9%+ dealer financing. I always ask for free oil changes, etc... and they almost fall over backwards to sweeten the deal because they're counting on that interest rate to offset anything of real value they throw in.
One thing to always ask, though, is if there is a pre-payment penalty for early payoff? I've never encountered one and, if they ask why, I just tell them I'm curious in case I hit the lotto or something. :)
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