quote:
Nor do I believe you have an 800 credit score.

Why bother financing at the dealership in the first place if you're such a regular at this bank?

No, you didn't just get a free truck you cannot afford.

I honestly don't care if you believe me or not. However, I will answer your question since you don't know how the system works.

When you buy a vehicle, they often have incentives for using dealer financing. It this case, there was a significant rebate they offered for using dealer financing.
I will always take advantage of these rebates to get the OTD price as low as I can. Once the deal is done, I immediately go to my credit union and bank to see if I can get a better interest rate, which I always do.

So I got the best price on the truck that I could along with the best interest rate available to me. I've come out better by doing this on quite a few occasions.

If you had a good credit score and a relationship with a bank, you'd already know this.

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Posted by willythedemon11

Member since Aug 2007

255 posts

Posted on 9/16/14 at 2:03 pm to Austin Cajun

Ok. Now I'm starting to smell your bullshite.

In your OP you wrote:

quote:
I financed it at the dealership, they got me a great interest rate though a local credit union

Yet, just now you wrote:

quote:
When you buy a vehicle, they often have incentives for using dealer financing

Which is correct, if you use ford motor credit, toyota motor credit, or some other manufacturer finance. NOT, if you go through a credit union they found. So your shite isn't making much sense based on that alone.

The most important question here that you've neglected to answer that could really come back to bite you and your alleged 800 beacon score in the arse is:

What makes you think they've paid off your trade? If the deal isn't funded, no dealership is going to pay off your trade. So keep joyriding around in their truck for a few months and see where your (bullshite) 800 credit score is when you are done.

Or, just do the right thing and go physically visit the dealership to either resolve the situation or bring their truck back.

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Posted by TigerDeBaiter

Member since Dec 2010

10277 posts

Posted on 9/16/14 at 2:45 pm to Austin Cajun

quote:
I will always take advantage of these rebates to get the OTD price as low as I can. Once the deal is done, I immediately go to my credit union and bank to see if I can get a better interest rate, which I always do. So I got the best price on the truck that I could along with the best interest rate available to me. I've come out better by doing this on quite a few occasions. If you had a good credit score and a relationship with a bank, you'd already know this.

So suddenly the clueless poster is now the expert. Got it.