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They should definitely discuss over phone or email. I'd proceed with caution.
@Anonymous wrote:
I called dealer finance office directly. They said they were busy and would call me back. They had salesman call me back on his day off, told me I had an approval but he did not have terms and they have to be discussed in person with finance manager.
I was nice since it was his day off. But let's be real, this is 2019 and finance should be able to disclose not in person via phone or email. Not sure if I should go back in person or not.
Sounds like they are making it really easy to stop working with them. If it was me, I'd start looking elsewhere. I'd also get pre-approved at a bank or credit union. Anything will do rather than being completely reliant upon the dealer.
@Anonymous wrote:
I called dealer finance office directly. They said they were busy and would call me back. They had salesman call me back on his day off, told me I had an approval but he did not have terms and they have to be discussed in person with finance manager.
I was nice since it was his day off. But let's be real, this is 2019 and finance should be able to disclose not in person via phone or email. Not sure if I should go back in person or not.
I definitely wouldn't go back.
for the record, 99/100 times, difficult or silly customers make the process painfully hard. it's not very hard, you know your general credit score, you know what you should be approved for. it's probably true the sales person doesn't know the rate. so, it's simple. get a BANK DRAFT for the exact amount from your local lending institution...not a pre-approval, a bank draft with the promissory note...show up to buy the car..they either beat the rate you have or you pay with the draft..cash in hand ie a draft will get them to lower the rate if they can. all these silly ideas that they play games is just made up nonsense..they want to sell you the car more than you want to buy it. they don't want your keys etc, it's all make believe fake news. they want a commitment from a buying customer, that's it..just like any sales person does. the rest is hokey poky balony from the 70's - early 90's.
@Anonymous wrote:for the record, 99/100 times, difficult or silly customers make the process painfully hard. it's not very hard, you know your general credit score, you know what you should be approved for. it's probably true the sales person doesn't know the rate. so, it's simple. get a BANK DRAFT for the exact amount from your local lending institution...not a pre-approval, a bank draft with the promissory note...show up to buy the car..they either beat the rate you have or you pay with the draft..cash in hand ie a draft will get them to lower the rate if they can. all these silly ideas that they play games is just made up nonsense..they want to sell you the car more than you want to buy it. they don't want your keys etc, it's all make believe fake news. they want a commitment from a buying customer, that's it..just like any sales person does. the rest is hokey poky balony from the 70's - early 90's.
As someone who bought his first new car in the mid-80s my opinion is that their tactics have only gotten worse and more sophisticated. I dread negotiating with a car dealer and probably why I keep my cars so long and/or buy used from private sellers. The only dealer I ever had a pleasureable experience with was Saturn. I still stalk craigslist for old S-Series cars and have bought my kids 2 of them. You can call it fake news if you want to, but I will absolutely call it true.