Used car negotiations

• justincredible

  

  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

  

  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

  

  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

  

  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.

• thavoice

  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

  

  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

  

  Still don't see anything in there about finance fees?
• dlazz

  justincredible;1584299 wrote:Offer unavailable in Alaska

  Apparently you overlooked that, too.
  
  Deal-breaker.
• vdubb96

  

  Justin, I'll make your parts "disappear" if you bring me some booze!!!!
• justincredible

  

  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

  

  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!!
• dlazz

  vdubb96;1584376 wrote:Nope, I've left that to belly. I just want some Rivertown,MadTree etc. LOL!!

  LOL!!
• ernest_t_bass

  

  vdubb96;1584376 wrote:Nope, I've left that to belly. I just want some Rivertown,MadTree etc. LOL!!

  dlazz;1584380 wrote:LOL!!

  
• gport_tennis

  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

  

  Bought dat car.
• Ironman92

  

  Pics
• dlazz

  justincredible;1586054 wrote:Bought dat car.

  I'll send some prayers your way.
• justincredible

  

  Ironman92;1586058 wrote:Pics

  
• SportsAndLady

  

  That is one fugly car. Sorry justin
• Ironman92

  

  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

  

  SportsAndLady;1586063 wrote:That is one fugly car. Sorry justin

  Didn't buy it for you. No need to apologize.
• justincredible

  

  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

  

  I had an "out the door" range in mind going in and got it for $300 less than my max price.
• Ironman92

  

  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.
• Sonofanump

  justincredible;1586061 wrote:

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