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1
Posted on 1/6/14 at 1:28 pm to CorkSoaker
I bet you can make a better deal on the price without the 0% financing. Offer 5-10% less using traditional financing.
The lenders are charging the dealer to provide that 0%.
The lenders are charging the dealer to provide that 0%.
Posted on 1/6/14 at 8:07 pm to Croacka
What is X Plan and what does a person's company have to do with buying a personal vehicle? Do you just call the dealership and say I have X plan? How does it work?
Posted on 1/6/14 at 8:16 pm to I B Freeman
Financing shouldn't matter in the price. You should have fully negotiated the price prior to discussing financing. There are often rebates/cash in lieu of the 0%, but not base price.
X-Plan is Ford's program for suppliers/affiliates. Similar to the GM Supplier Discount, Hyundai Inner Circle, Nissan VPP, etc. It's just a set price with no haggling or extra fees. It can sometimes be beat depending on model. It's often worth the trouble simply to avoid dealing with dealer. You walk in, give them number, and price is set. It's often not a bad price. X-Plan and GM can often be beat, Nissan/Infiniti, Hyundai, MB and some others are really good prices.
X-Plan is Ford's program for suppliers/affiliates. Similar to the GM Supplier Discount, Hyundai Inner Circle, Nissan VPP, etc. It's just a set price with no haggling or extra fees. It can sometimes be beat depending on model. It's often worth the trouble simply to avoid dealing with dealer. You walk in, give them number, and price is set. It's often not a bad price. X-Plan and GM can often be beat, Nissan/Infiniti, Hyundai, MB and some others are really good prices.
Posted on 1/7/14 at 11:24 am to CorkSoaker
They get you in the door and get you to agree to a price with the 0% financing. Then you meet with the finance manager. He will then push like hell for you to take the 0.9% - 1.9% financing.
Technically, you save a LITTLE money doing it this way IF and only IF you plan on paying it off early by paying extra each month. But then you don't have the flexibility to pay less if you get in a pinch.
My advice: get the 0% financing and still pay it off early.
Technically, you save a LITTLE money doing it this way IF and only IF you plan on paying it off early by paying extra each month. But then you don't have the flexibility to pay less if you get in a pinch.
My advice: get the 0% financing and still pay it off early.
Posted on 1/7/14 at 2:09 pm to TDsngumbo
quote:
My advice: get the 0% financing and still pay it off early.
There is literally no incentive to do this other than to just not have the debt.
Posted on 1/7/14 at 4:42 pm to TDsngumbo
quote:
Then you meet with the finance manager. He will then push like hell for you to take the 0.9% - 1.9% financing. Technically, you save a LITTLE money doing it this way IF and only IF you plan on paying it off early by paying extra each month. But then you don't have the flexibility to pay less if you get in a pinch. My advice: get the 0% financing and still pay it off early.
None of this makes any sense
Posted on 1/8/14 at 3:08 am to SG_Geaux
quote:
In both cases, I got dealer invoice - factory to dealer incentives AND 0% interest.
Me too. Paid just under the official invoice (there was a dealer rebate from Mazda) for my Mazda3 in January 2010 and financed it at 0% for 60 months.
This post was edited on 1/8/14 at 3:09 am
Posted on 1/8/14 at 12:49 pm to just1dawg
Most have rebates right now. The mazdas are barely marked up any way. Lot of companies offer "x" plan. Dealerships are needing to move new inventory. Can get a great deal right now
Posted on 1/8/14 at 11:52 pm to Rebel
quote:
No catch other than you are borrowing more up front. The first few years you will be "upside down". But you won't have spent several grand up front.
Did he say 0 down or 0%?
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