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Old 10-09-2008, 12:47 AM   #18
GM4LIFE
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very good advice... i have a 2008 Pontiac G5 GT im going to trade....has 20k miles on it now will prob have around 36k by march. I want to get my camaro asap. when should i place an order? I bought the G5 new and yes it is paid for, but i want the best deal on my trade in. how am i going to know what my G5 is worth when its time for the actual financing? could i set a price? what do you think the dealerships will do? i have four dealerships i plan on talking to.
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Old 10-09-2008, 07:34 AM   #19
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Thank You Speedy1975, GREAT information!!!
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Old 10-09-2008, 09:25 AM   #20
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Some good info.....but if you want the best deal....don't use the dealer financing, don't use a trade in and most importantly.....arrange financing before you even go to the dealership. You eliminate a lot of stress and headaches by arranging your financing through your own bank or credit bureau. Also....its best if you go alone. If you take someone with you, they will put you in an office and the salesman will keep giving you a little info, leave the room so you will discuss it while they listen in, come back talk a little more, and leave to listen in. This occurs at a lot of dealerships, but not all. If its not possible to go alone, don't discuss anything when the salesman leaves the room. If you need to discuss something, get up and walk out into the showrrom and discuss it where they can't hear you. If you don't believe me, play the game and try saying something like.....man, I'm thirsty....wonder if they have a bottled water or something to drink around here. My bet is the salesman will come back with it for you or ask you if you would like something to drink. My step dad and I like to do this during major holidays when we have family get togethers. We get bored so we go down to a local dealership, pretending to be interested in buying a car. My step dad didn't believe me that they did this. If anyone wants to hear some funny stories I can elaborate.
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Old 10-09-2008, 09:30 AM   #21
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I posted a "how to" in another thread that you should take a look at. I know all about the system and how to tell you to beat it. I forget the thread though and I am busy at work this AM. See if you can find it, it should help ya
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Old 10-09-2008, 10:27 AM   #22
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Some good info.....but if you want the best deal....don't use the dealer financing,
Not necessarily. You need to check with your bank to see what rate they offer, then check with the dealer at the time of purchase and go with whomever has the better rate.

I've NEVER had a bank beat a dealer rate and I've bought several new and used cars. Dealers can offer lower rates due to kick backs and promotions from the manufacturer. I've gotten 2.9 - 3.9% rates historically when the best my bank could do was 5.5%.
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Old 10-09-2008, 10:57 AM   #23
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Originally Posted by Txturbo View Post
Some good info.....but if you want the best deal....don't use the dealer financing, don't use a trade in and most importantly.....arrange financing before you even go to the dealership. You eliminate a lot of stress and headaches by arranging your financing through your own bank or credit bureau. Also....its best if you go alone. If you take someone with you, they will put you in an office and the salesman will keep giving you a little info, leave the room so you will discuss it while they listen in, come back talk a little more, and leave to listen in. This occurs at a lot of dealerships, but not all. If its not possible to go alone, don't discuss anything when the salesman leaves the room. If you need to discuss something, get up and walk out into the showrrom and discuss it where they can't hear you. If you don't believe me, play the game and try saying something like.....man, I'm thirsty....wonder if they have a bottled water or something to drink around here. My bet is the salesman will come back with it for you or ask you if you would like something to drink. My step dad and I like to do this during major holidays when we have family get togethers. We get bored so we go down to a local dealership, pretending to be interested in buying a car. My step dad didn't believe me that they did this. If anyone wants to hear some funny stories I can elaborate.
What does matter if they listen? I was planning on having someone come with me since I am 20 and I don't want them to think I am some stupid kid and try to push me around and cheat me, is that not a good idea?
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Old 10-09-2008, 11:05 AM   #24
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What does matter if they listen? I was planning on having someone come with me since I am 20 and I don't want them to think I am some stupid kid and try to push me around and cheat me, is that not a good idea?
Just mind what you say while in the office alone. It has been rumored that there are listening devices in the sales offices that go to the sales manager's office. However, the bigger thing to watch for is the salesman hitting the "intercom" button on the phone or leaving a phone on speaker when they leave the office.

I don't think it's a bad idea to take someone with you. Just as long as they're gonna give you good advice and not get wrapped up on the new car bug.

The bottom line for you is that there wont' be much negotiating so all this is really irrelevant. You've already committed to buying the car for MSRP. Just make sure your deposit of $1K goes toward the purchase and watch out for any clear coat, under coat, warranty mumbo jumbo and you'll be fine. I doubt you'll even get that far on Oct 13. That will come in January when you go to pay for the car.
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Old 10-09-2008, 06:13 PM   #25
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i don't go back home from college until the end of december. what are my chances of ordering the camaro i want and still getting it on time?
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Old 10-09-2008, 06:47 PM   #26
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I just went to see my saleslady to see what new stuff she might have. NOTHING! She did say the guy who does all the ordering might know something new. I wish there was a "Camaro Scotty" at my dealer!

She didn't know about tomorrow's allotments or the latest/final option list. She did say she might be able to sneak me in for the IDL. Everyone, including the entire inventory, is at the fairgrounds doing a "special" sale, so there won't be anyone of importance around the dealership. I'll try to remember as much as I can or take notes.

Since they will be busy at the fairgrounds moving cars back to the lot, she said that I could come down Wednesday to order my car as this wouldn't jeopardize my chances of getting one of the first Camaros that come in. My deposit from last week was good enough. So far, it's just that doctor and me who has put down a deposit, (as far as she knows).
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Old 10-10-2008, 02:02 AM   #27
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Not necessarily. You need to check with your bank to see what rate they offer, then check with the dealer at the time of purchase and go with whomever has the better rate.

I've NEVER had a bank beat a dealer rate and I've bought several new and used cars. Dealers can offer lower rates due to kick backs and promotions from the manufacturer. I've gotten 2.9 - 3.9% rates historically when the best my bank could do was 5.5%.
Yep...banks will match, but will not beat. The only way you can do better with a bank is if they match and then give a percentage back due to automatic withdrawl from the bank account to make payment.
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Old 10-10-2008, 08:28 AM   #28
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Banks can be close....the dealer was only going to save me $8/month on my last purchase. The benefit though is you don't have to deal with all the financing crap at the dealership and it means less time you have to spend at the dealership. If you are ready to buy, you can make the deal and be out the door in 2-3 hours. When I bought my Avalanche I was in, made the deal and was driving off on my way to my free dinner in 2-1/2hours. I applied for my Capital One blank check online, they mailed it to me and when I went to the dealership I had control. It was just like having the cash in your pocket. They treat you way better. You eliminate another way for them to juggle numbers and try to slip something in.
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Old 10-10-2008, 08:39 AM   #29
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What does matter if they listen? I was planning on having someone come with me since I am 20 and I don't want them to think I am some stupid kid and try to push me around and cheat me, is that not a good idea?
You can take someone with you, just don't talk about anything that pertains to your financial situation that you don't want them to know. Unless you do like I do when I'm playing with them. When the salesman leaves the room.....say something like....if they don't include a nice meal in this deal, I'm taking my winnings to another dealership! I want a car today! I'll bet the salesman comes running back in.
I took a friend with me once when we were bored. I messed with the salesman for awhile and my buddy was ready to leave and get something to eat and there were quite a few people walking around in front of the showrrom looking at cars. When the salesman left the cubicle the next time I said, My credit is awful since those two repos showed up on my credit.....The guy came back to his office immediately and was literally pushing us out the front door of the dealership.
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Old 10-10-2008, 04:05 PM   #30
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Banks can be close....the dealer was only going to save me $8/month on my last purchase. The benefit though is you don't have to deal with all the financing crap at the dealership and it means less time you have to spend at the dealership. If you are ready to buy, you can make the deal and be out the door in 2-3 hours. When I bought my Avalanche I was in, made the deal and was driving off on my way to my free dinner in 2-1/2hours. I applied for my Capital One blank check online, they mailed it to me and when I went to the dealership I had control. It was just like having the cash in your pocket. They treat you way better. You eliminate another way for them to juggle numbers and try to slip something in.
I'll respectfully disagree with you here. $8 a month over 48 months is $384. That's a cold air intake probably. My last car deal took 1 hour, I got 2.9% interest. I just walk in tell the guy what I'll pay and ask for their best rate. Of the rate isn't good I'd pay cash.

They actually work harder to get you to finance with them as they get some of that financing back on the back end. Even buying motorcycles I was told that the dealer works more with folks who are going to finance with them rather than pay cash.

Paying cash did get you better deals 20 years ago, however that is no longer the case. Now the consumer has to weigh whether it's worth the interest to take the money out of the bank, or if they should pay cash and avoid the interest on the loan. It just all depends on what rate you get on your savings account vs. the loan rate.

Usually it's a better idea financially to split the difference. Pay half in cash and finance the other half if the rate is low and you can afford a 24 or 36 month payment.
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Old 06-10-2009, 03:03 AM   #31
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Someone mentioned the extended warranty. Worth it? I say this as a guy whose laptop just borked out-of-warranty.
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Old 06-10-2009, 04:03 AM   #32
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Be sure to ask if the dealer will sell the car to ou for MSRP and no higher
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Old 06-10-2009, 07:24 AM   #33
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Well I have found a dealer that will give me $1000 over invoice. There is $1000 refundable downpayement. I know there must be more I should ask, just not sure what it is.
The dealer is not "giving you $1000.00 over invoice". They are overcharging you $1000.00 in my opinion. I bet by the time you recieve your car they will be sitting on dealer lots at MSRP or below. Dealers in this area are at MSRP plus $2-350.00 dealer fee.
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