@JGGM wrote:
@Save-n-Invest wrote:
@JGGM wrote:Dang, some of y'all are kind of harsh. Guess I see it differently since I've worked at a dealership for a decade, specifically a GM branded store. At any rate, it is certainly possible that you give up all REBATES for 0%. You can still negotiate with the dealership on the sales price though. Or, if you want the rebates (because on some vehicles you could give up as much as $7,000 in rebates for 0%), then finance thru your credit union or another bank the dealer has. You could also have the dealership work the numbers both ways (i.e. take 0% vs take rebates). If you have good credit, there's a good chance it makes more sense to take the rebates and finance at a low percentage rate. Or if you don't want to lose the rebates and you don't want to pay interest, you could just pay cash for the vehicle.
Did that but sales guy still wanted me to take the 0%. He had some numbers worked up. They didn't compute.
Another dealer pulled the deal when they finally realized that I was doing a cash deal. Told sales guy that on day one. I miss the sales pro who sold me all my cars prior to this one. He retired and it's a new game now.
With regard to 0% - taking the 0% doesn't make a whole lot of sense to me in this case. Don't know where you are located, but where I am, you'd give up like $4500+ to take the 0% offer
Actually the dealer assigned a sales person to me as mine retired. Doesn't seem to make sense. Sales kid had several days off for his bridal shower. Yeah, I know--goofy. They had the car I wanted and fooled around playing hard to get. While sales kid was in parts unknown I located another exact car at dealer who had two in stock and one in transit. They wanted to move them. It's a color you either want or would not consider. At that point when sales kid got back to me he had a tune about the car being hard to find. I told him no problem, I located two.
He acted better and a price was negotiated on the phone. When he showed up his written proposal was different. I passed. He had a few more proposals. Eventually he produced the one with the agreed upon price. We had a deal. Next he showed 0% financing with erroneous numbers. His next act was nitrogen fill fo tires etc. Tedious.
I bought the car for a good price, paid cash and take it elsewhere for service. No idea why some play the games knowing there are other options for the buyer. Maybe they just don't want to lose their touch. 