|
i can help with #2, 3
2. it all depends on the "packages" that are part of the car. rs package=2k, v6 (vs 4cyl)=1.5k you can go through chevy website and build the car and see what the different packages cost.
if you are paying msrp for the car go else where as you should be able to deal a little and get at least 1.5-2k off of msrp.
3. your interest is solely based off of your credit score. bad/no credit = higher apr. now if the dealer didnt actually run your credit and gave you an approximate cost they usually use like a 5%. if you have good credit, apr is negotiable. most credit unions you can get a 1.9-2.9% for 6 years. if you have good credit you have to use it as a tool and tell them you are going else where. dealers make money when you get a loan through them that is why they push it so much. a dealer can legally mark up an apr by 2% then what the bank may actually give it to the dealer for. ex the bank give the deal to the dealer for 2% and they give it to you for 4% (most people dont know this). your best bet is to see what a credit union can do and use it as a tool to get the dealer to beat it or match it.
|