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Forum » Fuk a Dealership!.......Just Horrible
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Thread: Fuk a Dealership!.......Just Horrible

post 1680665253 04-12-2023, 11:31 AM
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Some of the lowest scum on the planet. Bunch of roaches searching for a crumb.
Trump 2024

Adopt Don't Shop
post 1680665273 04-12-2023, 11:32 AM
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#32
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I follow the following process for buying cars and its golden..

Get financing for what I want from my credit union
Email three dealers two days before end of month
Tell them they have a car that I want and I will be buying a car on the final day of the month. I will buy the car from the dealer that has the best price. There wont be any back and forth haggling for a lower price. I want best and final. If they are excluded because of their first price, that is it and there will be no second chances. I also state that I want to walk into the dealership, sign and be out the door within one hour. If they can beat my finance percentage from a credit union they should do it in advance of me stepping foot on the dealership.

Since I started this process I havent spent more than an hour in a dealership. I've done this three times (all pre-covid) and have averaged 15% off of MSRP. Each time I've purchased a car using this method I've joined a forum specific to that car and started a price paid thread. I've been in the top 5% of lowest price paid for the vehicle using this process.
post 1680665293 04-12-2023, 11:32 AM
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#33
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How bad is your credit that you intetest rate is 18-21%

If you're 740 or above the highest is like 7% and that's probably too high.
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post 1680665303 04-12-2023, 11:32 AM
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#34
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Originally Posted By paramparam⏩
Thats business boyo why u mad hate the game not the player
Theres still a low bar to meet of "not being a total piece of chit" in business.
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post 1680665413 04-12-2023, 11:33 AM
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Originally Posted By Kev1972⏩
Get a trade in estimate from carmax or carvana and secure your own financing from a bank BEFORE you go to a dealer?

3d checkers
This, then take the financing and pay off the balance at the time of your first payment.

I took financing the last time I bought a car to get the "financing incentive". They told me I had to wait 3 payments before paying it off, but fuk that. I paid a few hundred in interest to get a few thousand in financing incentive.
post 1680665513 04-12-2023, 11:34 AM
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Damn, I don't feel so bad about when they tried to give me 16% interest.

FYI I went to another Dealer and they went through a credit union for me. Walked out at 9%
post 1680666293 04-12-2023, 11:49 AM
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#37
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You're not going to get a deal walking into a dealership because the salesperson has to eat. Always deal with internet sales.

I have a Cap One CC, I get offers from their auto finance. I highly recommend this, they pre-approve you for a bunch of dealerships and each vehicle they tell you the the rates / terms. I think I was at 2.69% for an Acura I wanted.

I go into the dealership, drive it, and we sit down for the paperwork. Price has already been determined. I then show the sales rep I have the financing, he goes to the finance manager. They come back and beat the rate by 50 bps, offer me 2.19%.

I buy the car, it's certified, etc.

Was a layup.
post 1680667043 04-12-2023, 12:01 PM
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You can't get mad at them for being a brokie and a poorcel.
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post 1680667223 04-12-2023, 12:04 PM
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Originally Posted By Zuggie⏩
Dealer model has to go.. if tesla got one thing right its the way they do car buying
This - Scion too when they were around. Loved that didn't matter what dealer you went to - the price was the same everywhere and any options etc were easily configured online and you'd know exactly what you would pay.
Originally Posted By MikeLowrrrey⏩
Damn, I don't feel so bad about when they tried to give me 16% interest.

FYI I went to another Dealer and they went through a credit union for me. Walked out at 9%
Still absolutely insane. 9% ??!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Absolute robbery. **** - I need to look into personal loans. offer 8% on the money just sitting around in my account and make a killing
Always Pick #4
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post 1680667363 04-12-2023, 12:07 PM
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Originally Posted By desslok⏩
Car salesmen are literally the lowest of the low scum bags on earth and there is a special hell underneath hades for them all.
I guess you've never had an experience with a good car salesmen because it definitely heightens the buying experience.
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post 1680667933 04-12-2023, 12:17 PM
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Originally Posted By HMFIC_BROWSIN⏩
Not to mention, 911's appreciate lmao
Not at the current 200K markup
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post 1680669363 04-12-2023, 12:52 PM
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Originally Posted By Azzurri⏩
How bad is your credit that you intetest rate is 18-21%

If you're 740 or above the highest is like 7% and that's probably too high.
They wouldn't even pull my credit. I filled out ZERO paperwork...they wanted me to "agree to a payment that I was comfortable with" before they would even look at my credit.

Score is a 837.
Originally Posted By RopeACope⏩
You can't get mad at them for being a brokie and a poorcel.
lol. I don't need a new truck, just wanted to see what it would look like and if it was good, I'd do it.....I paid cash for the one I have. 2012 F-150 Crewcab, Lariat 4x4....currently with 140k miles....that they offered me $7k for. hahaha

When I told them I'd pay cash for the truck, the price changed by $6k....and when they gave me their "best financing option" (without even pulling my credit or asking about my income) id be paying back like 32k on financing 19K. Fuk outta here.


And the only reason I even entertained the Dealer is b/c we had such a good experience when we bought my wife's Jeep back in 2020....0% for 72 months and out the door for less than MSRP.

I've owned 11 cars and all have been cash/private party purchases....just wanted to see what was going on at the dealer these days....never again.
post 1680670003 04-12-2023, 01:02 PM
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Originally Posted By Zuggie⏩
Dealer model has to go.. if tesla got one thing right its the way they do car buying
This
post 1680670173 04-12-2023, 01:06 PM
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#44
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They work with banks.

You would be better off going to the bank.

And even better off going to a credit union for an auto loan.

That would be low interest at like 4.25% for the money to buy a car new or used in cash.

Auto dealerships are notoriously greedy with financing and prefer people to just buy in cash.

If they get financing from someone it is at high interest and so they are also high interest moneylenders.
Beans. Cleans. Gasoline.
post 1680670233 04-12-2023, 01:07 PM
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#45
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Originally Posted By BeanGainClovis⏩
They work with banks.

You would be better off going to the bank.

And even better off going to a credit union for an auto loan.

That would be low interest at like 4.25% for the money to buy a car new or used in cash.

Auto dealerships are notoriously greedy with financing and prefer people to just buy in cash.

If they get financing from someone it is at high interest and so they are also high interest moneylenders.
Even better than getting fair terms from a community credit union would be to not go into any debt and pay in full.

You are really at the mercy of the person you borrow money from if you go into debt to people who lend money.

Especially if you rely on your own private transport rather than public transport for getting to work.

Credit unions are just low interest because they are a voluntary union of local depositors.

The people who have accounts in the credit union are part owners in the organization.
Beans. Cleans. Gasoline.
post 1680670613 04-12-2023, 01:14 PM
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#46
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Originally Posted By havoc00⏩
Why is everything involving cars so scummy? The dealerships, mechanics etc
People covet cars because they are just really cool and useful

They rely on the oil and financial business which are the definition of corporate evil

I mean you have a lot of people who steal cars and then sell those cars or use them for crime

But then you have people who work an honest living and just need cars to travel or do their jobs

It is really like horses, we used to ride around everywhere on horses instead of cars

If you had a horse and a rifle on the frontier you were pretty solid and doing well

As well as a place to stay and a means to secure the things you need
Beans. Cleans. Gasoline.
post 1680670863 04-12-2023, 01:20 PM
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#47
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Originally Posted By BeanGainClovis⏩
People covet cars because they are just really cool and useful

They rely on the oil and financial business which are the definition of corporate evil

I mean you have a lot of people who steal cars and then sell those cars or use them for crime

But then you have people who work an honest living and just need cars to travel or do their jobs

It is really like horses, we used to ride around everywhere on horses instead of cars

If you had a horse and a rifle on the frontier you were pretty solid and doing well

As well as a place to stay and a means to secure the things you need
Today, if you have a truck and a rifle and you know how to hunt and fish and grow, you can survive whatever chit that may hit the fan



This is a pickup truck that runs on split wood in a wood stove gas generator

They have these all over the world and even in North Korea
Beans. Cleans. Gasoline.
post 1680671143 04-12-2023, 01:25 PM
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#48
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Keep your vehicle and wait about a year.. the car market is fixing to be in shambles. Interest rates for an 800 credit score are like 8% on a new car right now. The entire market is gonna look like 2008 in the car world. Best bet is to buy via private sale or copart auction right now very srs. Also, never buy a car with debt bro what are you thinking? Buy something in cash... that way you aren't getting rammed in the arse. Occasional repairs are soo much cheaper than paying a premium for a new "reliable" truck.
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post 1680672343 04-12-2023, 01:44 PM
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Originally Posted By Jms89⏩
Keep your vehicle and wait about a year.. the car market is fixing to be in shambles. Interest rates for an 800 credit score are like 8% on a new car right now. The entire market is gonna look like 2008 in the car world. Best bet is to buy via private sale or copart auction right now very srs. Also, never buy a car with debt bro what are you thinking? Buy something in cash... that way you aren't getting rammed in the arse. Occasional repairs are soo much cheaper than paying a premium for a new "reliable" truck.
yeah plus that new "reliable" vehicle will start needing those routine repairs within a few years regardless, probably well before they even got the vehicle paid off.
post 1680673103 04-12-2023, 02:00 PM
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Originally Posted By MarioMiami305⏩
Buy a tesla.

Zero dealership.
Remember that time you frauded about ordering A Tesla?

You made a thread crying about your credit rating taking a hit after cancelling.

Only for a few days later.. Make another thread claiming you are considering cancelling for another vehicle.


This thread doesn’t apply to you anyway, No dealership worth gracing would ever take a 14 year old Mazda on trade.
post 1680674093 04-12-2023, 02:17 PM
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#51
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Times have changed

It’s not the car salesman you need to worry about. It’s the finance manager you need to worry about. They are the devil

Hold onto your cars as long as possible because the fewer interactions you have with these scum in your life the better off you will be. Buy a newer car so it’ll be longer before you need a new one. Maintain your car and drive defensively so you won’t need to go to dealer again

Don’t ever step into a dealer without having an out the door price inclusive of all fees and taxes. Most dealers won’t do this over phone or email. Forget those, do business with the ones that will. Then go in with your quote and hold your ground. The finance manager will do everything he can to manipulate you into getting extra warranties and other bullchit. Pay close attention to the forms you are signing incase they are not honoring your quote or sneak in other stuff. Walk out if you have to

My .02
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post 1680674493 04-12-2023, 02:24 PM
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what is this 'finance' thing?
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post 1680674573 04-12-2023, 02:25 PM
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#53
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Originally Posted By Jms89⏩
Keep your vehicle and wait about a year.. the car market is fixing to be in shambles. Interest rates for an 800 credit score are like 8% on a new car right now. The entire market is gonna look like 2008 in the car world. Best bet is to buy via private sale or copart auction right now very srs. Also, never buy a car with debt bro what are you thinking? Buy something in cash... that way you aren't getting rammed in the arse. Occasional repairs are soo much cheaper than paying a premium for a new "reliable" truck.
IMO - private party car sales are a waste of time in my neck of the woods

I’ve helped a few people out with finding cars and we’ve looked private party first

One guy needed a pickup truck for work. We literally looked at a dozen private party trucks. Every single one, had odometer rollback or the condition was grossly misrepresented. One of them the guy claimed he just had the engine/trans rebuilt and you could clearly tell the shop receipt was just something he made up with Microsoft paint. He couldn’t tell us what shop the work came from for us to verify (we were just going along with it for the lols)

Every time. The best deal eventually came from a small used car lot

A private party seller doesn’t care about their reputation. If they fuk someone over by ripping them off it doesn’t matter. A small car lot at least has their reputation to care about
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post 1680674793 04-12-2023, 02:29 PM
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#54
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Have a question…my lease is ending in a couple of months. My plan is to keep my truck and buy it.

Who has the best rates right now? Credit union? Any specific bank?
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post 1680675013 04-12-2023, 02:33 PM
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#55
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Was looking for a car in January. There was a 2019 cadillac I looked at and they wanted almost as much as a new one, so bought a 2023. Pitted two dealerships against each other who each had the identical car. The first one I physically showed up at, I test drove with the salesman and then the sales manager took me in a room and said they couldn't match the other dealership and that that dealership was just moving inventory and not making any money. I said 'if this is the game you're going to play then I'll go to the other dealership now'. Apologized to the salesman and and he went to get my car.

They kept me waiting outside for 10 minutes and then the second sales manager came out to talk to me and I said 'don't waste my time, you know the price I am willing to pay'. Paid cash. Left with the car. As someone previously said, it's just a game. Don't take it personally, everyone is just trying to make a buck.

If you're going to buy used then do it from a private party. Find a local mechanic who will hook it up to their computer for $100 and give their opinion on the car. No need to go to a dealership for a used car.
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post 1680675633 04-12-2023, 02:45 PM
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#56
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That's why I demand them right off the bat to treat me like a family member of theirs, ie I want the best deal

If they start any of that chit you gotta put your foot down right away and tell them who's boss. Ded fkn srs
post 1680676183 04-12-2023, 02:56 PM
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#57
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Originally Posted By HMFIC_BROWSIN⏩
Some guy wrote a literal book about how the 911 cost of ownership is basically zero if you never crash the thing.
i doubt that's true for base models. only highly sought after top end models may be applicable.
post 1680679983 04-12-2023, 04:04 PM
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#58
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Originally Posted By menseks⏩
i doubt that's true for base models. only highly sought after top end models may be applicable.
The air cooled ones are still hyperinflating. A safe bet would be a 993, ANY model. Turbo/Turbo S probably safest bet.
post 1680680643 04-12-2023, 04:13 PM
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#59
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I think many banks give higher rates on older cars. A 2017 isn’t “old”, but it’s 6 years from new and many banks have the cutoff at 5.

Now isn’t the time to buy a car mane, unless it’s new so you can get the great rates from the manufacturers bank. Like Honda Financial, or GM, Ford Credit, etc.
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post 1680681513 04-12-2023, 04:24 PM
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#60
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Originally Posted By Jms89⏩
Keep your vehicle and wait about a year.. the car market is fixing to be in shambles. Interest rates for an 800 credit score are like 8% on a new car right now. The entire market is gonna look like 2008 in the car world. Best bet is to buy via private sale or copart auction right now very srs. Also, never buy a car with debt bro what are you thinking? Buy something in cash... that way you aren't getting rammed in the arse. Occasional repairs are soo much cheaper than paying a premium for a new "reliable" truck.
I was literally about to ask what the interest rate is now. I’d legit walk everywhere before I paid 8% interest on a vehicle. They’re out of their minds. I have an 820. I wouldn’t talk to a dealership unless it was low 3s. Both of my two year old vehicles are at 3 or under.
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