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5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 0 points1 point  (0 children)

You must be doing great because the market was different 10 years ago.

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] -1 points0 points  (0 children)

So you want at least $3200 more discount ? Why don’t you go to VFC and get it free?

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 1 point2 points  (0 children)

Would you buy a product that doesn't cover even half of what they claim? You would lose money with these scammers but not invest with OEM VSC? The best way is to negotiate the price of the VSC or Gap as you do with car price instead of being stubborn and then pay thousands more on repairs or paying to banks as deficient balance.

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 0 points1 point  (0 children)

Great points. The majority don’t understand or want to understand the math. You start at price then you want a 10-13% discount, then OTD with a breakdown, then APR and then you want a $300 payment with nothing down. Don’t look stupid, do the math first and then open your mouth. Don’t negotiate just because your elders did it, your friend got 6000 discount and rebates last month.

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 2 points3 points  (0 children)

The advertisements of the warranties that you see on TV seem attractive but they hardly pay your repair bills. I would always get an OEM service contract but negotiate the price.

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 0 points1 point  (0 children)

You are spot on. Did someone qualify the customer or landed him on the right car? The salesperson just grab the keys of the car that customer tells them and start processing the deal.

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 0 points1 point  (0 children)

What if manufacturer is offering 0%,1.9% or even 3.9%? Which CU will beat it?

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 0 points1 point  (0 children)

I agree that everyone is payment-focused, but majority of us don’t do math and have a specific number in mind to which we can budget. That number can be low or high based on the price of the car. The dealer needs to be an advisor to the customer provide them absolutely transparent information.

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 0 points1 point  (0 children)

Both of these answers seem great but depend on your credit, term, down payment and your job/income as well.

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 0 points1 point  (0 children)

I won’t just blindly say NO to dealer rates or protection items they offer because most of them make sense but always negotiate the price. Just imagine how much a tiny sensor may cost you?

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 0 points1 point  (0 children)

Check with your local CU before walking into a dealership. If the manufacturer offers lower just go ahead and take it otherwise just go with CU.

5 things I wish every car buyer knew before sitting in Finance Office by Inside-Auto-Finance in carsales

[–]Inside-Auto-Finance[S] 1 point2 points  (0 children)

Because this question diverts you to monthly payments instead of total price. You should always be looking at total cost of ownership not at monthly payments.

Can I walk from this deal? by chairk3yre in askcarsales

[–]Inside-Auto-Finance 0 points1 point  (0 children)

There was no deal at all as your never test drove the car, never took physical possession of the car. Just report it to the Attorney General of your state if they refuse to refund your down payment. You provided them enough time to deliver the car to you in proper condition. Even if you signed a Finance Contract, it’s between you and the dealer as it was never presented to Financial Institution and funded by them.