Stealership playing games? 10% APR.

Airjago

OP, as many people have said, get a pre-approval at your bank so you can shove the high APR back in their face after you agree on a car value (although they might say it's only this price if you finance through them). Even then, I think you can just get your bank to pay off your loan (though it might affect your credit if you refinance too quickly(???)).

In my case when I bought mine, they gave me two options...
Low APR, but need to pay for a 3rd party warranty, or
High APR (like 5%) w/o warranty.

Pick low APR with warranty...cancel warranty within 60 days (no penalty/cancellation fee). Also pisses them off because then they'll have to pay back the commission they "earned" from selling an extended warranty. Just for reference in case you run into this tactic in the future.

PhantaPhanta

Stealership man the stories. Got my brand new 2014 Sports Auto for 29.8k @ 1.5%. Man first time looking around I was scared. Don't know why. But after buying the Z, I now feel like I could take a relative back and act cocky and douchey to the *** manager.

There are many dealership tips on here but the couple best ones I believe are simple:
1. Don't buy first visit & BE PREPARED TO WALK OUT. (These mother#*&@#^ act like saints when you first walk in and when you don't buy, they cuss you out ect. Be prepared to walk)

2. Be firm. Talk final numbers, not payments.


I went shopping around locally first. I wanted a base for 29,000. I thought this was fair because on their website it says "Starting at $29,000." Wtf. Apparently not. This premier nissan dealership laughed at me saying that price is ridiculous and where the hell did I even get that idea and pushed me to buy one of their 2013 touring for 34k.

They stuck at 29,500 and wouldn't budge. I have a very big ego and after being laughed at i'm not budging. Whatever, they lost their sale to me. My parents found a $29000 base in Kansas (Parents live away from me). Had to order Black. The day the car came, they done goofed and ordered a sports.

Dealership had two choice. Give car at a loss or pay for shipping and bring it back to the factory or what not. I couldn't tell if this was legit or it was the bait and switch. My mom who is a kind heart person felt bad and decided to give him another $800. Ended up paying 29800 for the car.

HulaGirl

I'll add to this. There's a free app called "Easy Loan" where you can punch in the loan amount, the interest rate and the number of years then hit calculate. You'll have your payment within a couple of seconds. When I bought my Z we were financing a small amount and I knew my payment should be $162 per month. Sales guy goes to get the numbers from the manager and written on the page is $209 a month. WTH? Hubby says "Your manager's calculator is broken".

It's a very useful tool.

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