Recently I saw an article posted on Yahoo about how to "Deal" with car salespeople and how to "turn the tables" on them when they try to do their "tricks".
LET'S GET REAL!!!!
Here's a better idea....
Don't DEAL with someone you can't trust.
Why would you spend your hard earned money to buy anything from someone that you don't trust to treat you right?
Why would you give them the opportunity to be telling jokes about you right after you leave?
Why would you want to "help" them to continue to expand their business and do more of the same to others?
Is any car really worth all that?
You should do business with someone that you trust. Someone that isn't trying to rip you off, and then laugh about it later and tell all their co-workers and friends about you. Ask friends and family about their experiences, and who they trust. Ask your co-workers. Ask as many people as you can about where they would reccommend. Call the Better Business Bureau and see if there are any complaints about their business. Check websites that log customers experiences. Research, ask, and research some more.
But whatever you do.......
Don't enable these type of people to continue these practices.
Save yourself, and others from being treated like that.
Tuesday, March 10, 2009
Wednesday, March 4, 2009
Financing Questions ??????
There has been alot of talk in the news recently about banks and financing. Alot of folks have been hearing that it is more difficult to get financing and that the banks are tightening up. We have had quite a few customers asking us about the current condition of bank financing.
The simple answer is.....well, there isn't really a simple answer.
If you have good credit, you won't have any problem getting financing. Actually, if you have good credit you may find that right now you will see the lowest interest rates ever available. Banks still want business, and they REALLY want the business of folks with good credit ratings.
If you have credit with some blemishes, then you already know that even a year ago you were facing a more difficult time securing financing and the rates would be higher. For the folks that have some blemishes, MOST financing companies are wanting you to be vested in your purchase with a good down payment which they determine by your credit score.
For folks that have had some really bad luck...if you couldn't get financing a year ago, you probably aren't going to be able to get it now either.
The bigest impact we have seen is that first time buyers with limited credit history are needing to have a co-signer to help them get established. There were some sources before all this banking problems that would finance first time buyers with limited credit history without a co-signer under certain circumstances, but that has shrunk. Notice that you don't see the offers being made at dealerships anymore for special programs for "First-time Buyers."
Our advise, if you need a car and you need financing, don't be afraid to TRY NOW. Rates can't possibly get any lower than they are now (CAN THEY?). If you are turned down, they don't hit you with a baseball bat; they just say no. There's no humiliation or shame, because bad things sometimes happen to good people. It's O.K.
The simple answer is.....well, there isn't really a simple answer.
If you have good credit, you won't have any problem getting financing. Actually, if you have good credit you may find that right now you will see the lowest interest rates ever available. Banks still want business, and they REALLY want the business of folks with good credit ratings.
If you have credit with some blemishes, then you already know that even a year ago you were facing a more difficult time securing financing and the rates would be higher. For the folks that have some blemishes, MOST financing companies are wanting you to be vested in your purchase with a good down payment which they determine by your credit score.
For folks that have had some really bad luck...if you couldn't get financing a year ago, you probably aren't going to be able to get it now either.
The bigest impact we have seen is that first time buyers with limited credit history are needing to have a co-signer to help them get established. There were some sources before all this banking problems that would finance first time buyers with limited credit history without a co-signer under certain circumstances, but that has shrunk. Notice that you don't see the offers being made at dealerships anymore for special programs for "First-time Buyers."
Our advise, if you need a car and you need financing, don't be afraid to TRY NOW. Rates can't possibly get any lower than they are now (CAN THEY?). If you are turned down, they don't hit you with a baseball bat; they just say no. There's no humiliation or shame, because bad things sometimes happen to good people. It's O.K.
Monday, March 2, 2009
DOC Fees ???????? PLEASE !!!
What's the deal with these places that charge "doc" fees?
Can you buy a car without the documents?
The answer is no.
The documents ( Bill of Sale, odometer statement, Buyers Guide, Registration form, etc.) must be filled out in order for you to buy any car. State and Federal laws require certain documents must be filled out. So how can you be charged a doc fee? Why would you be charged a doc fee?
We have never charged a doc fee, and never will. It's an insult.
Even when a car is advertised, and it has small print at the bottom that says the above price includes $x doc fee; that is still an insult.
Should you have to pay for financing paperwork to be filled out? We don't think so. If the dealer offers financing options in house, and wants to charge you for doing the paperwork, tell them to not do the paperwork.
Don't ever pay a doc fee.
Tell them you'll buy the car without the paperwork. Of course, you have to have the paperwork, but so does the dealer. They have to have the paperwork just as badly as you do. You shouldn't have to pay for something that they can't leave out.
The only thing you should ever HAVE TO pay above the price of the vehicle is....
State Tax
Local Tax
State Tag Fee
Registration Fee
All of these are charged by the State. None of the fees or taxes go to the dealer. The dealer has to collect them, and then file them with the State.
If you decide to purchase a warranty with your vehicle, then obviously there would be a charge for that. But, you are getting something for that money. You buy an extended service contract, it costs extra; and that makes sense.
Next thing you know we'll start seeing dealers dress-up in funny costumes trying to get people to buy a car.
Was that Elvis?
Can you buy a car without the documents?
The answer is no.
The documents ( Bill of Sale, odometer statement, Buyers Guide, Registration form, etc.) must be filled out in order for you to buy any car. State and Federal laws require certain documents must be filled out. So how can you be charged a doc fee? Why would you be charged a doc fee?
We have never charged a doc fee, and never will. It's an insult.
Even when a car is advertised, and it has small print at the bottom that says the above price includes $x doc fee; that is still an insult.
Should you have to pay for financing paperwork to be filled out? We don't think so. If the dealer offers financing options in house, and wants to charge you for doing the paperwork, tell them to not do the paperwork.
Don't ever pay a doc fee.
Tell them you'll buy the car without the paperwork. Of course, you have to have the paperwork, but so does the dealer. They have to have the paperwork just as badly as you do. You shouldn't have to pay for something that they can't leave out.
The only thing you should ever HAVE TO pay above the price of the vehicle is....
State Tax
Local Tax
State Tag Fee
Registration Fee
All of these are charged by the State. None of the fees or taxes go to the dealer. The dealer has to collect them, and then file them with the State.
If you decide to purchase a warranty with your vehicle, then obviously there would be a charge for that. But, you are getting something for that money. You buy an extended service contract, it costs extra; and that makes sense.
Next thing you know we'll start seeing dealers dress-up in funny costumes trying to get people to buy a car.
Was that Elvis?
Subscribe to:
Posts (Atom)
