The Official: Automotive enthusiast thread

Can someone assist me?

I've been approved for a car loan online. What exactly do I do with this when going to a dealership? I usually let the dealerships find a bank to finance my auto, so I went with this method this time hoping to get a better deal. I haven't bought a car since 2007, so I'm completely lost now really. Are there any sites detailing the steps? I'm not sure if I'm supposed to print something from the loan site, print the email, etc. to show that I have the financing ready to make the purchase.
This guy may be able to help, Tom McParland... AutomatchConsulting.com
 
Show up to the dealer and tell them you have the financing in place. Allow them the opportunity to beat it or if not let them handle the rest of the deal and sending the title to the loan provider.
 
Show up to the dealer and tell them you have the financing in place. Allow them the opportunity to beat it or if not let them handle the rest of the deal and sending the title to the loan provider.
Maybe don’t tell them until you negotiate, don’t tell them how much you can afford?
 
The dealer, fairly, also wants to make some money. The buyer obviously wants to spend as less as possible. I would just tell them going in. The dealer may give you more in incentives if they feel they can get a bit back on a slightly higher interest rate. So if you spring the whole I already have financing in place after you negotiated the price down then the dealer may want some of that money back.
 
The dealer, fairly, also wants to make some money. The buyer obviously wants to spend as less as possible. I would just tell them going in. The dealer may give you more in incentives if they feel they can get a bit back on a slightly higher interest rate. So if you spring the whole I already have financing in place after you negotiated the price down then dealer may want some of that money back.
True, but it also depends on who that interest is going to. Is it through one of their third party affiliates or their very own factory backed one, the latter is usually the last option and can work it for him with the best lowest interest rate.... honestly they just want that “same day money”
 
If you go through the process of lining up the financing then that tells me the person is not interested in the behind the scenes garbage of who gets what in the financing by the dealer. The dealer is still going to want to make money in the end. So I wouldn’t expect to pay invoice, get all the incentives and have you own financing on a super low interest loan. Even in a great deal the buyer will have to give in somewhere....as they should. As the buyer you pick the overall financing package that makes sense. If you want the zero interest loan then expect less cash back.
 
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If you go through the process of lining up the financing then that tells me the person is not interested in the behind the scenes garbage of who gets what in the financing by the dealer. The dealer is still going to want to make money in the end. So I wouldn’t expect to pay invoice, get all the incentives and have you own financing on a super low interest loan. Even in a great deal the buyer will have to give in somewhere....as they should. As the buyer you pick the overall financing package that makes sense. If you want the zero interest loan then expect less cash back.
What if he’s got really great credit?
 
If you have really great credit and is working the process and doing the research then expect a really great deal. But don’t expect 100% everything. There will come a point where a dealer just can’t do a deal also. And in this current market with supply constraints and low inventory dealers currently don’t have to deal to move vehicles particularly with in demand vehicles. Probably a super low interest loan is the best you can get. It’s really a bad time to be a buyer. Low supply and high demand. Even in the used market.....which may be a great opportunity on a trade in. Get the low interest loan and not much else but get a great deal on a trade in because used car prices are rising
 
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If you have really great credit and is working the process and doing the research then expect a really great deal. But don’t expect 100% everything. There will come a point where a dealer just can’t do a deal also. And in this current market with supply constraints and low inventory dealers currently don’t have to deal to move vehicles particularly with in demand vehicles. Probably a super low interest loan is the best you can get. It’s really a bad time to be a buyer. Low supply and high demand. Even in the used market.....which may be a great opportunity on a trade in. Get the low interest loan and not much else but get a great deal on a trade in because used car prices are rising
Ya, don’t buy into the supple/demand shtick.

when I went to buy my accord they tried to raise the price from what was advertised on their site by 2,000 because of “supply constraints” and “demand.”

I called their bulls*** out immediately haha. Got it for the advertised price.
 
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So you were able to negotiate down to the advertised price? Considering the market that’s probably somewhat close to the best you can do but the advertised price is usually a starting point to negotiate down.
 
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So you were able to negotiate down to the advertised price? Considering the market that’s probably somewhat close to the best you can do but the advertised price is usually a starting point to negotiate down.

The advertised price was already a "great" deal per truecar and other research I did on the net. It was pretty close to invoice price. That's why I went in.

They tried increase the base price based on the argument of demand/availability by about $2K and then tried to increase the price by another $1,900 for dealer installed s*** when we started talking numbers.
 
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Went in to buy RS5, left with an S5. All the RS5's here weren't the color/options I wanted so I got an S5 (prestige with B/O + carbon, sport exhaust/suspension/dynamic steering/4wheel drive rear differential/Matrix LED+ lasers lights). I only plan on keeping it for 2 years, then will buy the new C9 RS7 or something of that nature (Maybe a Porsche Taycan turbo vs RS e-tron GT?). Overall I do like the S5, but am having some buyers remorse not getting an RS5. I just didn't want to wait 8+ months on a 2022 build for the options/colors I wanted.

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I will do a better photoshoot once PPF and ceramic are on.
 
Went in to buy RS5, left with an S5. All the RS5's here weren't the color/options I wanted so I got an S5 (prestige with B/O + carbon, sport exhaust/suspension/dynamic steering/4wheel drive rear differential/Matrix LED+ lasers lights). I only plan on keeping it for 2 years, then will buy the new C9 RS7 or something of that nature (Maybe a Porsche Taycan turbo vs RS e-tron GT?). Overall I do like the S5, but am having some buyers remorse not getting an RS5. I just didn't want to wait 8+ months on a 2022 build for the options/colors I wanted.

51017592305_08eb2d4c6d_k.jpg

51017592215_ca0ab7e6ba_k.jpg

51143055996_90b36b10da_k.jpg

51144172960_db8c435921_k.jpg


I will do a better photoshoot once PPF and ceramic are on.
That’s epic and congrats on the new baby, how’s it? Still breaking it in?

Did they have any RS6 avants? I think those are each made to order, I could be wrong.

I’ma wagonite, that new Taycan Cross Turismo looks really slick, I’ve driven the Taycan, pretty fun, wish it were a wagon lol

oh this BnO speakers, are they like the older ones where they rise like Olympian statues piercing through the top layer of earth?