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Message
At dealer financing a car - help please
Posted on 1/28/17 at 10:56 am
Posted on 1/28/17 at 10:56 am
I've had company vehicles most of my life so I'm a dumbass on stuff like this.
We've settled on a purchase price.
I have financing through Chase. Dealer is saying he can't get the title that Chase needs bc system is down. I don't believe it but whatever.
He's applied to get me financing in house so that the title isn't a huge deal - they have good reviews online so I mostly trust them. Then hell send me the title once it's available. Again I realize this is BS but does it matter?
Question is this - since he's doing the financing in house now he's saying that the taxes will be paid here and now instead of at the DMV. This raises our agreed upon price by 5.1% - the rate of the state where I live and work.
Is this legit?
We've settled on a purchase price.
I have financing through Chase. Dealer is saying he can't get the title that Chase needs bc system is down. I don't believe it but whatever.
He's applied to get me financing in house so that the title isn't a huge deal - they have good reviews online so I mostly trust them. Then hell send me the title once it's available. Again I realize this is BS but does it matter?
Question is this - since he's doing the financing in house now he's saying that the taxes will be paid here and now instead of at the DMV. This raises our agreed upon price by 5.1% - the rate of the state where I live and work.
Is this legit?
8
Posted on 1/28/17 at 11:28 am to SirWinston
I'd tell him to frick off.
If he can't beat the rate you have through Chase, tell him you'll wait.
If he can't beat the rate you have through Chase, tell him you'll wait.
Posted on 1/28/17 at 12:04 pm to SirWinston
quote:
Dealer is saying he can't get the title that Chase needs bc system is down. I don't believe it but whatever.
Walk away and tell him to call you when its up.
Watch system magically come on line.
Posted on 1/28/17 at 12:14 pm to SirWinston
Run or walk away at a brisk pace. You are doing them a favor by purchasing and not the other way around
Posted on 1/28/17 at 12:44 pm to SirWinston
Agreed. If they want to play games, make them pay for it
They make money off financing (or at least have incentives to do so), so that purchase price you thought you settled on has now changed on their end
They make money off financing (or at least have incentives to do so), so that purchase price you thought you settled on has now changed on their end
Posted on 1/28/17 at 12:55 pm to SirWinston
Did the actual price change or are they just adding in taxes now?.. because you have to pay taxes at some point regardless of if it's in the fianancing or going to the DMV yourself.. make sure your rate is the same or lower.. if rate is lower and they are just adding taxes and you still like the car deal do it
It's really not that hard to buy a car.. they're going to make money.. these dealers live in mansions not trailer homes.. just be smart they don't have to make it all on you
It's really not that hard to buy a car.. they're going to make money.. these dealers live in mansions not trailer homes.. just be smart they don't have to make it all on you
Posted on 1/28/17 at 3:36 pm to SirWinston
If your uncomfortable about the deal....which apparently you are...then you already know its not the deal for you....walk away
Posted on 1/28/17 at 11:10 pm to SirWinston
Somewhat off topic.
My wife's friend came over today so her kid could play with my youngest. She bought a used Tahoe this morning. price was 39K for it, but got 8500 in trade for a caravan she owed 7000 on. So got it for 30,500. With taxes, fees, etc.
Financed it over 7 years at 16.9 percent interest.
I had to go outside to my garage to prevent myself from losing my shite.
My wife's friend came over today so her kid could play with my youngest. She bought a used Tahoe this morning. price was 39K for it, but got 8500 in trade for a caravan she owed 7000 on. So got it for 30,500. With taxes, fees, etc.
Financed it over 7 years at 16.9 percent interest.
I had to go outside to my garage to prevent myself from losing my shite.
Posted on 1/30/17 at 12:27 pm to SirWinston
99.9% of dealerships don't do in house financing. Give them an opportunity to secure the financing for you. 72 month car loans right now are in the 3% range with great credit thru Chase, Cap One, TD Auto Finance, Etc. Good luck.
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