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Master_Kazuya 08/08/22 2:57:51 PM #1: |
They're saying 4.5% for 60mos with a $500 rebate attached, I'm asking for 3% cause I got approved for a 2.9% loan. He said I could refinance in 3 months, I said is that in writing, he said it's probably in the contract but it might not be too. He also faked a phone call in front of me to his manager, I could tell If the deal is good enough I'll do it but feels sus --- itt my post is the best ... Copied to Clipboard!
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gunplagirl 08/08/22 2:59:45 PM #4: |
[LFAQs-redacted-quote] https://youtu.be/4oaEfBMA7AE Ain't it great that this aged so horribly well that Hank would come out ahead these days? --- tfw no big tiddy goth vampire gf who lactates blood - viewmaster_pi ... Copied to Clipboard!
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wackyteen 08/08/22 3:00:07 PM #5: |
In today's market, there isn't much in the way of negotiating Especially for brand new cars. If you won't pay, they'll find someone else easily enough --- The name is wackyteen for a reason. Never doubt. ... Copied to Clipboard!
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AloneIBreak 08/08/22 3:01:03 PM #6: |
[LFAQs-redacted-quote] This is the way to go. Also, ask for floor mats or something since you're getting cucked on your interest rate. --- As long as politics is the shadow cast on society by big business, the attenuation of the shadow will not change the substance. Libertarian socialist. ... Copied to Clipboard!
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NoxObscuras 08/08/22 3:01:05 PM #7: |
You're the guy that asked about refinancing before right? Don't worry about what % the dealer offers. That won't matter once you refinance with the bank that offered 2.9%. Just try to avoid agreeing to anything that marks up the total cost of the car. "We can lower your monthly payments if you agree to this 'deal' that adds another $4,000 to the total loan" will just hurt you in the long run. --- PSN - NoxObscuras Z490 | i9-10900K | EVGA 3080 FTW3 Ultra | 32GB DDR4 3600 | 4TB SSD ... Copied to Clipboard!
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SamsungGearS2 08/08/22 3:28:52 PM #8: |
If they cant beat the 2.9% rate then why bother with the higher interest rate? --- Sent from my iPhone 12/HP Envy x360 on VZW 5G Home Internet CP: WarioWare: Get it Together (NS), Saints Row IV: Re-Elected (PC), Rayman Legends (Wii U) ... Copied to Clipboard!
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Master_Kazuya 08/08/22 5:40:24 PM #9: |
SamsungGearS2 posted... If they cant beat the 2.9% rate then why bother with the higher interest rate? They don't do dealer markups --- itt my post is the best ... Copied to Clipboard!
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Ranting__Nord 08/08/22 5:42:28 PM #10: |
You're paying it off early anyway so the 1.6% difference won't have a huge effect. --- I'll think of a sig later. ... Copied to Clipboard!
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WingsOfGood 08/08/22 5:43:09 PM #11: |
refinancing isn't typically free fyi ... Copied to Clipboard!
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SauI_Goodman 08/08/22 5:43:49 PM #12: |
fake it right back with him. bring a piece of paper with fake prices on it from dealerships you've already "visited" and ask him if that's the best he can do. if he says yes tell him you'll be on your way. --- Italian, French, German. ... Copied to Clipboard!
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nfearurspecimn 08/08/22 5:44:35 PM #13: |
her --- Wake up. You have to wake up. *currently a preta/hungry ghost* Dai Grepher: I was wrong. My entire theory is incorrect. Zero Mission IS a remake of Metroid. ... Copied to Clipboard!
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Fable 08/08/22 5:44:37 PM #14: |
Master_Kazuya posted... He said I could refinance in 3 months He's lying Source: i work for a vehicle finance company. --- Spirits sing of a powerful creature that rules over all that is mystic. ... Copied to Clipboard!
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WingsOfGood 08/08/22 5:46:20 PM #15: |
SauI_Goodman posted... fake it right back with him. bring a piece of paper with fake prices on it from dealerships you've already "visited" and ask him if that's the best he can do. if he says yes tell him you'll be on your way. good idea if he faked a call, have a friend call you, say "oh yea? wow that is a great offer! Amazing!" then say you got a good deal at 2.5% and tell him to beat it wackyteen posted... In today's market, there isn't much in the way of negotiating just go to another dealer ... Copied to Clipboard!
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wackyteen 08/08/22 6:13:32 PM #16: |
Fable posted... He's lyingI bought a car in March of '14, believe I refinanced in August that year <_< (I then refinanced that in May of '16) --- The name is wackyteen for a reason. Never doubt. ... Copied to Clipboard!
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HovaRex 08/08/22 6:14:45 PM #17: |
Walk tf out rn. --- I come back to you now, at the turn of the tide. ... Copied to Clipboard!
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Fable 08/08/22 11:27:48 PM #18: |
wackyteen posted... I bought a car in March of '14, believe I refinanced in August that year <_< He's lying because most banks don't care when or if you refi. The whole "3 months" crap is so dealers get extra money from the bank in the form of rebates. --- Spirits sing of a powerful creature that rules over all that is mystic. ... Copied to Clipboard!
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Agonized_rufous 08/08/22 11:30:24 PM #19: |
I always just get the dealership loan and call my credit union the next day and hop on that sweet low interest. They wanted 15% APR...turn around and got 3% at the credit union, suck ass carmax --- "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana ... Copied to Clipboard!
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wackyteen 08/09/22 12:23:02 AM #20: |
Fable posted... He's lying because most banks don't care when or if you refi. The whole "3 months" crap is so dealers get extra money from the bank in the form of rebates. Yeah, unless you've just got a particularly shitty 'buy here, pay here' credit thing, there shouldn't be a reason you can't refinance whenever, unless you're trying to refinance with the same loan provider (idk why you would, if it's even possible) --- The name is wackyteen for a reason. Never doubt. ... Copied to Clipboard!
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