Used car negotiations

Serious Business 112 replies 2,711 views
justincredible's avatar
justincredible
Posts: 32,056
Feb 25, 2014 10:37am
vdubb96;1584289 wrote:I'll tell you what, I'll work on your vehicle here at our shop for free if you bring me a steady supply of Cincy Craft brews!!!! Great deal for both of us!
Only if you pay for the parts, too.
SportsAndLady's avatar
SportsAndLady
Posts: 35,632
Feb 25, 2014 10:47am
justincredible;1584277 wrote:It's normally 2.49% but there is a .5% discount until the beginning of March.
Half a percent? Wow, be very careful there. It may be legit, but that seems high for a promotion. Make sure they're not tagging on a $500 finance fee to jack up the APY.

I do this stuff for a living lol
justincredible's avatar
justincredible
Posts: 32,056
Feb 25, 2014 10:52am
SportsAndLady;1584296 wrote:Half a percent? Wow, be very careful there. It may be legit, but that seems high for a promotion. Make sure they're not tagging on a $500 finance fee to jack up the APY.

I do this stuff for a living lol
Fine print:
[SUP]†[/SUP] Discount offer is good from 1/31/2014 to 3/10/2014. To qualify for discount offer, you must use the USAA Car Buying Service and fund the purchase of a vehicle from a USAA certified dealer listed on your savings certificate with a USAA Federal Savings Bank auto loan by 3/10/2014. The savings certificate must be generated no more than 90 days prior to your loan being funded. Your loan will originally be set up without the rate discount. After your loan agreement is signed and your vehicle purchase is complete, we will confirm that you qualify for the discount and apply the discount to your loan. Your loan payment amount will not be lowered, but the loan may pay off earlier due to the discounted rate. Discount for new vehicles is .50% off of the approved interest rate for 36, 48 and 60 month terms. Discount for used vehicles is .50% off of the approved interest rate for 36, 48 and 60 month terms. Discount is .25% off of the approved interest rate for 61-72 month terms for both new and used vehicles. Please allow 3-5 business days for processing. Offer unavailable in Alaska. Please refer to usaa.com/autoloanoffer to learn more about the discount offer and to check for dealers.
justincredible's avatar
justincredible
Posts: 32,056
Feb 25, 2014 10:57am
Also noticed that the dealership in Louisville offers a $250 discount off the final negotiated price for USAA customers.
[h=3]$250 USAA Member Discount[/h]You must present your Price Protection Certificate to your Dealer Representative upon arrival at the Dealer. This Dealer will then provide an additional $250 discount off the final negotiated price of this vehicle.
T
thavoice
Posts: 14,376
Feb 25, 2014 11:04am
Yeah..UPON arrival so you dont get 250 off the final negotiated price as they can build that into the negotiations....
justincredible;1584305 wrote:Also noticed that the dealership in Louisville offers a $250 discount off the final negotiated price for USAA customers.
justincredible's avatar
justincredible
Posts: 32,056
Feb 25, 2014 11:05am
thavoice;1584306 wrote:Yeah..UPON arrival so you dont get 250 off the final negotiated price as they can build that into the negotiations....
Show it at the beginning and hopefully they forget about it while we negotiate. I'll stall. :)
SportsAndLady's avatar
SportsAndLady
Posts: 35,632
Feb 25, 2014 11:05am
Still don't see anything in there about finance fees?
M
MontyBrunswick
Feb 25, 2014 11:08am
justincredible;1584299 wrote:Offer unavailable in Alaska
Apparently you overlooked that, too.

Deal-breaker.
vdubb96's avatar
vdubb96
Posts: 2,210
Feb 25, 2014 11:59am
Justin, I'll make your parts "disappear" if you bring me some booze!!!!
justincredible's avatar
justincredible
Posts: 32,056
Feb 25, 2014 12:24pm
vdubb96;1584345 wrote:Justin, I'll make your parts "disappear" if you bring me some booze!!!!
How do I know this isn't some sort of assassination plot? Are you trying to overthrow the OC govt?
vdubb96's avatar
vdubb96
Posts: 2,210
Feb 25, 2014 12:52pm
justincredible;1584361 wrote:How do I know this isn't some sort of assassination plot? Are you trying to overthrow the OC govt?
Nope, I've left that to belly. I just want some Rivertown,MadTree etc. LOL!!
M
MontyBrunswick
Feb 25, 2014 1:03pm
vdubb96;1584376 wrote:Nope, I've left that to belly. I just want some Rivertown,MadTree etc. LOL!!
LOL!!
ernest_t_bass's avatar
ernest_t_bass
Posts: 24,984
Feb 25, 2014 1:10pm
vdubb96;1584376 wrote:Nope, I've left that to belly. I just want some Rivertown,MadTree etc. LOL!!
dlazz;1584380 wrote:LOL!!
G
gport_tennis
Posts: 1,796
Feb 26, 2014 6:16am
TedSheckler;1584211 wrote:That won't matter. If you finance though a dealer, your loan will still be through a bank.

I just bought a used CR-V a few weeks ago. I gave them a number that I wanted out the door. It was $1500 under what they had it listed as. They came down to $200 above my out the door number, they threw in a free tank of gas and free lifetime car washes at the dealership. I agreed to it.

The ball was in my court though. I was willing to walk and I was paying cash.
False, if you finance through a dealer through a bank, the dealer is most likely getting .5% interest as a kickback from the bank. If your bring your own financing, no diff than a cash deal
justincredible's avatar
justincredible
Posts: 32,056
Mar 1, 2014 9:28pm
Bought dat car.
Ironman92's avatar
Ironman92
Posts: 49,363
Mar 1, 2014 9:45pm
Pics
M
MontyBrunswick
Mar 1, 2014 9:53pm
justincredible;1586054 wrote:Bought dat car.
I'll send some prayers your way.
justincredible's avatar
justincredible
Posts: 32,056
Mar 1, 2014 9:58pm
Ironman92;1586058 wrote:Pics
SportsAndLady's avatar
SportsAndLady
Posts: 35,632
Mar 1, 2014 10:06pm
That is one fugly car. Sorry justin
Ironman92's avatar
Ironman92
Posts: 49,363
Mar 1, 2014 10:09pm
SportsAndLady;1586063 wrote:That is one fugly car. Sorry justin
Not a chick magnet but a very reliable car that probably fits his needs.

Year/mileage/price?
justincredible's avatar
justincredible
Posts: 32,056
Mar 1, 2014 10:22pm
SportsAndLady;1586063 wrote:That is one fugly car. Sorry justin
Didn't buy it for you. No need to apologize.
justincredible's avatar
justincredible
Posts: 32,056
Mar 1, 2014 10:23pm
Ironman92;1586064 wrote:Not a chick magnet but a very reliable car that probably fits his needs.

Year/mileage/price?
2009/96k/NONE OF YOUR BUSINESS.
justincredible's avatar
justincredible
Posts: 32,056
Mar 1, 2014 10:25pm
I had an "out the door" range in mind going in and got it for $300 less than my max price.
Ironman92's avatar
Ironman92
Posts: 49,363
Mar 1, 2014 10:33pm
justincredible;1586073 wrote:I had an "out the door" range in mind going in and got it for $300 less than my max price.
All that matters is that it's the car you wanted. Sorry I was so nosey but I plan on writing a book on this topic.
S
Sonofanump
Mar 1, 2014 10:34pm
justincredible;1586061 wrote:

Plenty of room for all the trader joe organic food after your trail bike ride.