I keep getting Four Squared!

[Creditaddict]

Auto scores have always been different then regular scores.
I would NOT fly anywhere before having ALL documents for APPROVED loan in your hand with no waivers for possible changes or financing "not finalized" which is common for new cars.
I'm quite shocked actually that they are not repeating proof of income and that's why I would make sure you have that loan approved at a fixed interest rate, term, and amount before you fly because I know the Hyundai here thought they could get me approved at promo rate but would need income verification and you are no were near promo rate and no income verification!
You have been to how many dealers now and seemed shocked at how each one has turned out but you are about to fly somewhere to buy a car... Your priorities are jacked (sorry) plane, hotel, gas, put $500 down here and you might turn out better on one of these cars.
If you truly think this will be a 6 month adventure and then dump it you do want to much!
So far what you have listed as more fun to drive has added up to me as loosing more value faster for the area you live in... You can't find manual in CA because they can't sell them... Manual in LA is a minority and when you want to sell a minority is not a good thing!!

[Anonymous]

Take it as a sign that there aren't any manual transmissions around.  That vehicle will take a huge depreciation in 6 months and you're going to be stuck with it, not some kind of secured loan.  No offense, but you are making buying a car a lot more difficult than it should be and probably costing yourself money along the way.

[Dj4Money]

 What is wrong with you two?

  OTD is $15,295 (MSRP is $17,795) do you want the VIN number too? 

 $0 Down, was 6.99%, now it's 12.5% Hyundai doesn't like the charge-off/repo whatever, big deal. I can re-fi with SDFCU or Logix, I just have a little cleaning up to do.

 I am tired of you two with your anti-manual, maximum resale rhetoric take that BS somewhere else, I will not address it again. I don't want an automatic, I don't like auto-tragics, resale; that's my problem and it doesn't keep you up at night.

 My father looking for a more fuel frugal car and knowing my plans has offered to take over the payments. He could care less it's a manual and he's 83 years old. I will re-fi it to reduce the payments back down to where they were initally made, there was no promise, I knew the tune could change at any time.

 These are car dealers after all...

 It cost $189 to fly up. My friend lives in Tacoma, but I don't think I'll be there long. I have a reset to attend in Paso Robles, CA. Now that I have some wheels, I don't have ot turn down these gigs.

 If I had left on Sunday as originally intended, I could have gone to the Lompoc reset, but I can't drive back fast enough safely and legally, plus mileage would suffer and I wanna keep cost in check.

 We have a huge Walmart reset going on right now, 22 in total, our pay was increased from $12 to $15 just for this.

 Fuel cost is around $60, just over 1,000 miles , 14 hours - http://www.hyundai-forums.com/rb-2012-accent/148910-long-trips-accent.html

 If both of you are going to continue to be condescending I will not reply to this thread like I did the last time. If you don't like how I do things, don't reply. 

 Unlike last time, this time; I DIDN'T ASK FOR OPINIONS! 

[Creditaddict]

I was simply addressing that I would have all the finalized papers (the ones that you sign with finance guy) sent to you before you fly up there... it's already changed once, it can change again... frankly you could probably call Hyundai finance directly and check your approval at this point because if it's signed off on for an approval they should have the terms already too.

[Anonymous]

Talk about an overreaction.

[Creditaddict]

I'm all for this Hyundai compared to 90% of the other cars you have been looking at and talking about... I have made some epic car buying errors in the past but the one thing that turns an epic mistake or an epic bad loan into catestrophic is buying a car that depreciates 75% instead of 30% when you drive off the lot and based on the poster yesterday that had a Ford 500 for all of 6 months but has a repo bill after sale at auction of $22k A FORD IS a catestrophic purchase when you plan on keeping it just a few months....

If you can get this car and at the 12%, this car can handle that loan and still be worth enough to refi.... but you said yourself this dealership had given you a number previously and hadn't actually ran credit or got it approved (i forget what) until you told them you were flying up to come buy it... no reason they still can't be feeding you bull, just get your ducks in a row that's all

[sccredit]

CA and Irish you guys are wasting your breath.  OP doesn't want advice, he wants everyone to agree that his decision is the smartest in the world and he is right.  

OP - you are on a public ADVICE forum, if you don't like the advice don't post.  If you want a blog go start a blog.

[Anonymous]

I'd like to make 1 point and it isn't aimed at anyone. Dealers will say ANYTHING to get you in their door and on their lot. They figure it this way. You've spent your time and your money to get there, you are desperate, and its gonna cost you twice as much to turn around and go home. They'll bust their butt to get you in a car, but you'll be bending over and selling yourself short in the long run.

I've made it clear I do not like the pressure of buying cars in person, and that's because I abhor the way salesman tend to treat women. They lie, and mislead, and play games even after you call BS on them. I will not put $1 in someone's pocket if they will not address me directly and respectfully. I understand they are doing their job and supporting their families (which I respect), but after the second time I call BS on their tactics I walk. Manager can meet ne at the door or on the lot, doesn't matter. By that point they've lost my business. I live in a major city, with probably 1000 car dealers within 100 miles.

NOT ALL SALESMEN AND DEALERS ARE THIS WAY. But I have the luxury of walking until I find one who isn't.

[Anonymous]

BTW, the title of this thread is ' I keep getting Four Squared'. Just don't let it happen. Have fun. As soon as the guy puts the piece of paper on the table and draws that square, grab the paper out of his hand, look him in the eye and say, "Don't do that." 

I did that once. The look on the guy's face was priceless. Bottome line, take control of the situation. 

[Anonymous]

Tell them whay you want.  Afterall, it's your car & you're paying the payments.  Act like you could care less & stick to what you wan them to do for you!  Give it a bit & they will come around if they really want to sell you the car.  You're giving them too much credit.  Okay, a little play on words here but really, they need to work you out a deal & stop the BS.  I wanted our new car so bad I could taste it but was willing to walk if they didn't meet our terms.