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Talked to the dealer. They came back with an interest rate of 7.5% and a payment of $745. They said if I did a warranty they could get 5.5% and my pay to would be $696. All of that was including tax, and $13,300 for my trade.

I said hell no. My 829 credit score means I should get lower. The thing that really pissed me off, he said even with 0% I couldn’t get to the $550/month I wanted. I stopped at that point. I can do fucking math, $36995/72 is 513.82. If I financed sales tax at 3.9%, it would be $577 per month. Don’t try to bullshit me.

I may see what my bank can do for me. But now I don’t even want to deal with them. Guess it’s time for an inter cooler, and tune for the ST

They gotta add on all their "dealer fees" and all the other garbage.

He's trying to recoup losses through a higher interest rate.

Already came back at 4.84% and $600/month lol. Payment has gone down 145/month in an hour lol

Yeah. My brother played that game before. He was trying to get from under his truck payment and was trading on a new car. He was upside down on the truck and they first came back with a payment just as much as he was already paying.

He told them no and that he was going to another dealer to see what they could do. They told him to wait a few minutes and came back $100 lower per month. He told them no again and left. Before he got to the other dealer they called him and met the payment he was trying to get to.

People dog on Carmax because some of their cars are a little above average on price, but of the three cars we've bought from them, we've never had to deal with this horseshit. I got 3.95% on the Corvette and less on the other two cars. No hassles, no arguing, no games. I might have been able to get a few tenths better by shopping around, but it just wasn't worth the hassle for such a tiny amount.

Have you tried talking to your bank or a credit union? I don't know how much difference it would make though. If you came in with alternative financing I'm sure they'd find some kind of fee or excuse to tack another 4-5k on to the price

I got my volt at 1.9 through gm financial as a used car. Took some negotiating and written offers from others. Get a few offers from shopping around and have them beat it.

Yeah I plan on talking to my bank today, and the credit union the wife’s Explorer is financed through today.

500 a month in a car payment?! Jesus. That’s a small house payment.


Coop

Must be some cheap houses down your way...

Thor wrote:Must be some cheap houses down your way...

[quote=""DCIV""]500 a month in a car payment?! Jesus. That’s a small house payment.


Coop[/quote]

[quote=""alienviking""]Must be some cheap houses down your way...[/quote]

That is what I was thinking. $500 a month couldn't even buy you a pot to shit in out here.

You might be able to find a small 1 bedroom apartment in the middle of nowhere for that, but even then, that is unlikely.

[quote=""DCIV""]500 a month in a car payment?! Jesus. That’s a small house payment.


Coop[/quote]

My current payment is $430 a month, and that's with 0% interest. :d ontknow:

The math is what it is. A $36,000 loan at 0% is 5% interest (for 72 months). Cant change the math.

Also, local credit union will do 3.49% for 72 months on a new car. Fuck that dealership. I'm gonna buy that car from them and make sure they make as little or no money as possible.

I could buy a nice house and be around $500 a month. $100,000 on a 30 year mortgage would be around $475 a month.

That is the ONLY thing I miss about living in the mid-west. Cheap housing. Fucking everything else.

Brian wrote:I could buy a nice house and be around $500 a month. $100,000 on a 30 year mortgage would be around $475 a month.

Ours is in that ballpark. We started off with a 125k loan on a 30 year and our payment was just over 500. With insurance, PMI and taxes we were ~1000/mo. We refinanced into a 15 year so we're a little higher now, but it's still very reasonable.

And here I am glad to be only paying $1525/month without PMI...

Looking at houses about 60 miles south though I can get so much nicer than I have now for around the same payment or a little more.

My truck payment is nearly 3x that. Oh and you can’t find a house here for anything close to $500 a month. You would be sharing a room with someone on campus otherwise.

My Ohio house was $1525 with escrow for property taxes etc rolled in.