How I have scored invoice pricing with 3.99% APR on my 370Z?

AK370Z · 03-06-2009, 01:30 AM

Quote:

Originally Posted by NorCalZman

I plan on running my whole game plan by you guys before going to a dealer, and the closest/best one to me happens to be our sponsoring dealer. If he reads my thread, hes going to have me all mapped out before I come in! (hehe)

Boardwalk Nissan - Supporing Dealer - Nissan 370Z Forum
Mike from Boardwalk Nissan is a pretty good guy. Just pm him with your offer and see what he can do. You already know how to get 3.99 APR so that's one less headache.

kdo2milger · 03-06-2009, 02:27 AM

Quote:

Originally Posted by kacz07

^You're a tool.

YES! this Guy is a REAL TOOL!!!

I just wasted 5 minutes of my life reading his garbage post!

He is exactly why I will never buy from a dealer! I mean honestly, who in their right mind would want to go into the dealer this "TOOL" works at and try to buy a car. Then he sarts garbling about all these useless numbers about MR. Y and MR X, deal verses deal, APR verses APR, mumbo jumbo...

I will gladly utilize my time "researching" the BEST possible deal (INVOICE -$1578.00) and the LOWEST APR available (3.99%)!

It is time well spent and time is relative and as long as it is my time i am utilizing then no one else has to be concerned...

You on the other hand can't come to terms with forums like this one because it threatens your way of life! and that pleases me, because I feel that TOOLS like you are an Abomination to the rest of this civilized world!

kailua · 03-06-2009, 05:59 AM

Wow! I was going to wait till this weekend after I get ceramic tint on my 370z and post about my buying experience and post pics at the same time, but this BS from GT-R man made me post early.

What's up with GT-R man?

First, since AK370z did all this research, he may have "wasted" all this time to buy his 370z, but for the rest of us, the process is a whole lot easier and faster. So hence, AK370z's "wasted time and efforts" are actually a big gain and savings for anyone who reads his post and follows his steps.

Second, everyone knows most dealers are trying to scrape as much dinero as possible from customers, so AK370z is smart to do his negotiating on the internet from the comforts of his home instead of him having "walked in to a dealer asked to see the invoice given an offers lets say 100 over invoice." Which is really a bigger waste of time because there is no guarantee of success. I don't know about you, but I like sure things, so why not get a dealer to agree to your terms first, before you even set foot into a stealership?

Third, 3.99% offered by Penfed may go up or down, but you as a salesman and not a representative of PenFed would not know how long they are going to keep the rates as they are. By supposing that it will "only" last for 2 weeks, to a month I think is a cheap and dirty way of discouraging people from looking for better financing.

Finally, why would anyone pay over invoice? That's just stupid. I will tell everyone that any 370z can be purchased for invoice or below, way below. It just takes some research and patience. It's always an old salesman tactic to rush the customer to buy right now. It never serves the customer and only benefits the salesman.

If you ask for a 7 day option, which means that the dealer will give you 7 days to find your own financing, otherwise they will finance you at the rate that they offered. So if PenFed only takes 2 business days to approve and fedex a check to you then you have plenty of time to get your financing together, after you purchase the vehicle. you just need to ask for a finance option.

Folks do not stress out about buying a Z. It is actually really easy. Just be patient and do your research before you pull the trigger. Remember, actual dealer net cost on the Z is 4% below invoice, so for example on mine, the dealer net cost is $34,193 and change. So even with my so called "great" deal they still made $426, which is plenty.

We are not talking about purchasing a GT-R, which from what I have read, a lot of dealers are now selling for sticker, which is considered a good price. For prospective buyers, hang in there. There are deals to be had. It is very much a buyers market. Don't let the dealership smoke and mirrors fool you.

Demon Z · 03-06-2009, 07:16 AM

GT-R man, you need to work on your manners, your grammar and your math because you suck at all three.

MightyBobo · 03-06-2009, 08:26 AM

I know, lets make up a story about how I spent 80 hours driving all over the bloody place working SO HARD to get invoice pricing on a car. You make it seem like we're taking precious work time and losing money to do this, champ.

Sorry, I do all this in my spare time. Im salary, so no matter what Im getting paid the same. Being military, overtime isn't a word in my vocabulary. So this 80 hours I apparently wasted (somehow losing about $1600) that you ever-so-masterfully fabricated, is meaningless.

You'd be a god damn pro at fudging government spending amounts. You're the stereotypical butt-hurt car salesman who hates the internet because people find out how to get a good deal.

MD370Z · 03-06-2009, 09:13 AM

Quote:

Originally Posted by GT-R man

Me, I always tell the truth. Even when I lie.

This is exactly the mentality that a lot of car salespeople have, and it's exactly what makes us hate them. People are just fed up with being told lies, misinformation, and screwy math when they go to a dealer. We all have been through this before, whether it is at Porsche, BMW, or Nissan. So doing the research on pricing, features, options, owner experiences, etc. is for our own protection and our own knowledge, because we cannot count on people like you. And as someone said before, it is almost enjoyable to work hard on something and get good results.

scorpion90 · 03-06-2009, 09:30 AM

Quote:

Originally Posted by LiquidZ

Thank you so much for the tips.

Just wondering, but how long is the 3.99% offer good for? If I pay $20 now to become a member, can I tell them when I want my check, say in a year or two?

To quote my loan reply message from Pen Fed;

Your loan approval is good for 90 days from date of approval.

Please note: The rate on the loan will be the rate that is effective at the time the loan is disbursed and this may be different from the rate in effect at the time of application submission.

Thank you for choosing Pentagon Federal. We hope that we can help you with all your financial needs.

Hope this helps.

GT-R man · 03-06-2009, 04:22 PM

If you feel like I have wasted your time reading my posts i m sorry. Like I stated at the begining of my post " this will sound like an angry salesman talking" Excuse my spelling and the math is not incorrect. pull out ur pocket calculator and give your +- 3% which is totally accepatable margin of error. You guys that bashed my post got me totally mixed up... If you feel like you can't call a dealership bc you are fed up with sales people maybe you are looking at this the wrong way... the old A**hole sales person is always going to be there no matter what... but the problem is when you call 8 different dealers and 5 of them have A** salesman and the other 3 that agree on price and work with you to help you get into the car you want you guys come bashing on us and calling us retards... you stereo type car salesman just as salesman stereotype internet shoppers as penny pinching butt plugs that cant budge on $100 bucks... yes it is our job to make as much as we can on car sale... $500 dollars over true invoice doesnt even pay the sales person... Do as much research as you want.. my job is to get the car you want at a price we can agree on. would i rather take that slim deal or no sale at all? this is what i chose to do... I am here because most of the people on this forum wouldnt last 1 day as a car salesperson, its not always about the money its about offering something no one else has.

All for all of you from S.Cal complaining about my spelling maybe you should write me a reply in french or spanish or portuguese... if you can do so without errors then I'LL ware that donkey hat...

GT-R man · 03-06-2009, 04:40 PM

Quote:

Originally Posted by kdo2milger

YES! this Guy is a REAL TOOL!!!

Then he sarts garbling about all these useless numbers about MR. Y and MR X, deal verses deal, APR verses APR, mumbo jumbo...

I will gladly utilize my time "researching" the BEST possible deal (INVOICE -$1578.00) and the LOWEST APR available (3.99%)!

You on the other hand can't come to terms with forums like this one because it threatens your way of life! and that pleases me, because I feel that TOOLS like you are an Abomination to the rest of this civilized world!

I find it funny that my "mumbo jumbo" uses less math than a 5th grader and u cant understand it... which by the looks of it you wouldnt qualify for the 3.99% regardeless...

MightyBobo · 03-07-2009, 01:34 AM

Quote:

Originally Posted by GT-R man

I find it funny that my "mumbo jumbo" uses less math than a 5th grader and u cant understand it... which by the looks of it you wouldnt qualify for the 3.99% regardeless...

Because your math is completely flawed. That's why nobody "understands" it.

You throw out a random hourly wage, random "time spent" doing random tasks to purchase a vehicle. And then made it seem like he took 2 full weeks of work off to BUY A CAR (80 hours worth) and "lost" that money, so in the end the money he saved was offset by the "$1600" he wasted in time.

Read: your odd tale of wasting money to buy a car with fudged wages and fudged time-spent is all a fabrication in your mind, exacerbated by the fact that you're frustrated you cant sell a car at MSRP to someone who's educated enough to know how a dealerships financial system works.

I dont know what you're complaining about anyway, its not like there wont be some Joe Dumbass waltzing in willing to pay sticker or more because he thinks it'll be SO exclusive.

kdo2milger · 03-07-2009, 02:18 AM

Quote:

Originally Posted by GT-R man

I find it funny that my "mumbo jumbo" uses less math than a 5th grader and u cant understand it... which by the looks of it you wouldnt qualify for the 3.99% regardeless...

Ha...

Qualify I did my little thorn...

AND 1578 bucks below invoice!

shumby · 03-07-2009, 04:17 AM

GT-R man Care to tell us where and at what dealership you work at? That would be truly useful information. As from your post I am sure all on here will recomend you. People like you are why sales men get a bad name. You either need to post where you work or STFU. Your rantings have no logic. You assume that I am taking time from work to buy a car. I do it on my FREE time. So there for my time is free. Just like I cut my grass on my FREE time. I don't work 24/7 so in my FREE time I do what I enjoy and it costs me nothing. To most people on this form we like researching about the car, its costs and reasonable prices so that is FREE time to us. Now for me I also do this barganing while at work where I get paid 1500 a day. So if I spend half my day while I am at work doing this, accourding to your logic, every dollar i save on the car from you is like 2 more dollars in my pocket. See how messed up that sounds. you either need to put up or shut up.

GT-R man · 03-07-2009, 11:13 AM

Quote:

Originally Posted by shumby

GT-R man Care to tell us where and at what dealership you work at? That would be truly useful information. As from your post I am sure all on here will recomend you. People like you are why sales men get a bad name. You either need to post where you work or STFU.

Wow you must truly beleive that I would actually put out the name of my company so you guys can bash it... please dont waste your time... The reason why I have this account is to keep up with what customers expect and do when they come to our showroom floor... In one way I am actually doing my customers a favor for not having to put them through the crapy experience you guys had. If i m not wrong when you are a platinum level consultant I m sure that what a blog says won't change my income... So as far as I care.. or dont

yall are the only tools I have used

GT-R man · 03-07-2009, 11:32 AM

cut the crap unless you work at a bank or at a dealership and does this for a living you don't know squat about this business... its my job to educate people that come through the door and make my living its not my job to put up with ignorant people because there are 2 things that you cant change... ignorance and poverty.. those are the 2 main things that stop american buyers from buying their dream car.

Even if i give customers what they want they still do not buy.. why because do not know how they need people like me to give them the extra push... thats why my job is crutial to the auto industry... we might be A$$ess sometimes but we are the ones that make it happen not mr. "I m gonna buy from another dealer 3 hrs away bc I dont have the balls to sit and negotiate."

kdo2milger · 03-07-2009, 11:40 AM

Quote:

Originally Posted by GT-R man

"I m gonna buy from another dealer 3 hrs away bc I dont have the balls to sit and negotiate."

Now Negotiating the price for a new vehicle is a waste of time

you should practice what you preach brotha

03-06-2009, 05:59 AM	#48 (permalink)
kailua Base Member Join Date: Feb 2009 Location: Earth Posts: 82 Drives: 09 STI Rep Power: 16	Wow! I was going to wait till this weekend after I get ceramic tint on my 370z and post about my buying experience and post pics at the same time, but this BS from GT-R man made me post early. What's up with GT-R man? First, since AK370z did all this research, he may have "wasted" all this time to buy his 370z, but for the rest of us, the process is a whole lot easier and faster. So hence, AK370z's "wasted time and efforts" are actually a big gain and savings for anyone who reads his post and follows his steps. Second, everyone knows most dealers are trying to scrape as much dinero as possible from customers, so AK370z is smart to do his negotiating on the internet from the comforts of his home instead of him having "walked in to a dealer asked to see the invoice given an offers lets say 100 over invoice." Which is really a bigger waste of time because there is no guarantee of success. I don't know about you, but I like sure things, so why not get a dealer to agree to your terms first, before you even set foot into a stealership? Third, 3.99% offered by Penfed may go up or down, but you as a salesman and not a representative of PenFed would not know how long they are going to keep the rates as they are. By supposing that it will "only" last for 2 weeks, to a month I think is a cheap and dirty way of discouraging people from looking for better financing. Finally, why would anyone pay over invoice? That's just stupid. I will tell everyone that any 370z can be purchased for invoice or below, way below. It just takes some research and patience. It's always an old salesman tactic to rush the customer to buy right now. It never serves the customer and only benefits the salesman. If you ask for a 7 day option, which means that the dealer will give you 7 days to find your own financing, otherwise they will finance you at the rate that they offered. So if PenFed only takes 2 business days to approve and fedex a check to you then you have plenty of time to get your financing together, after you purchase the vehicle. you just need to ask for a finance option. Folks do not stress out about buying a Z. It is actually really easy. Just be patient and do your research before you pull the trigger. Remember, actual dealer net cost on the Z is 4% below invoice, so for example on mine, the dealer net cost is $34,193 and change. So even with my so called "great" deal they still made $426, which is plenty. We are not talking about purchasing a GT-R, which from what I have read, a lot of dealers are now selling for sticker, which is considered a good price. For prospective buyers, hang in there. There are deals to be had. It is very much a buyers market. Don't let the dealership smoke and mirrors fool you. Last edited by kailua; 03-15-2009 at 10:17 PM.

03-06-2009, 04:22 PM	#53 (permalink)
GT-R man Base Member Join Date: Jan 2009 Location: la Posts: 38 Drives: 08 camry Rep Power: 0	wow so much hate in so little time... If you feel like I have wasted your time reading my posts i m sorry. Like I stated at the begining of my post " this will sound like an angry salesman talking" Excuse my spelling and the math is not incorrect. pull out ur pocket calculator and give your +- 3% which is totally accepatable margin of error. You guys that bashed my post got me totally mixed up... If you feel like you can't call a dealership bc you are fed up with sales people maybe you are looking at this the wrong way... the old Ahole sales person is always going to be there no matter what... but the problem is when you call 8 different dealers and 5 of them have A salesman and the other 3 that agree on price and work with you to help you get into the car you want you guys come bashing on us and calling us retards... you stereo type car salesman just as salesman stereotype internet shoppers as penny pinching butt plugs that cant budge on $100 bucks... yes it is our job to make as much as we can on car sale... $500 dollars over true invoice doesnt even pay the sales person... Do as much research as you want.. my job is to get the car you want at a price we can agree on. would i rather take that slim deal or no sale at all? this is what i chose to do... I am here because most of the people on this forum wouldnt last 1 day as a car salesperson, its not always about the money its about offering something no one else has. All for all of you from S.Cal complaining about my spelling maybe you should write me a reply in french or spanish or portuguese... if you can do so without errors then I'LL ware that donkey hat...

03-07-2009, 04:17 AM	#57 (permalink)
shumby Captin Canuck Join Date: Dec 2008 Location: with your mom Age: 44 Posts: 6,288 Drives: your sister Rep Power: 236	GT-R man Care to tell us where and at what dealership you work at? That would be truly useful information. As from your post I am sure all on here will recomend you. People like you are why sales men get a bad name. You either need to post where you work or STFU. Your rantings have no logic. You assume that I am taking time from work to buy a car. I do it on my FREE time. So there for my time is free. Just like I cut my grass on my FREE time. I don't work 24/7 so in my FREE time I do what I enjoy and it costs me nothing. To most people on this form we like researching about the car, its costs and reasonable prices so that is FREE time to us. Now for me I also do this barganing while at work where I get paid 1500 a day. So if I spend half my day while I am at work doing this, accourding to your logic, every dollar i save on the car from you is like 2 more dollars in my pocket. See how messed up that sounds. you either need to put up or shut up. __________________ Originally Posted by SAM@GTM Engine detonation is not normal and it should never never happen, and whoever told that need to do something else for living . Sam

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03-06-2009, 07:16 AM	#49 (permalink)
Demon Z Base Member Join Date: Nov 2008 Location: Central Ohio Posts: 229 Drives: '13 FR-S Rep Power: 17	GT-R man, you need to work on your manners, your grammar and your math because you suck at all three.

03-06-2009, 08:26 AM	#50 (permalink)
MightyBobo A True Z Fanatic Join Date: Feb 2009 Location: Las Vegas, NV Posts: 8,465 Drives: No cars; only bikes Rep Power: 52	I know, lets make up a story about how I spent 80 hours driving all over the bloody place working SO HARD to get invoice pricing on a car. You make it seem like we're taking precious work time and losing money to do this, champ. Sorry, I do all this in my spare time. Im salary, so no matter what Im getting paid the same. Being military, overtime isn't a word in my vocabulary. So this 80 hours I apparently wasted (somehow losing about $1600) that you ever-so-masterfully fabricated, is meaningless. You'd be a god damn pro at fudging government spending amounts. You're the stereotypical butt-hurt car salesman who hates the internet because people find out how to get a good deal.

03-07-2009, 11:32 AM	#59 (permalink)
GT-R man Base Member Join Date: Jan 2009 Location: la Posts: 38 Drives: 08 camry Rep Power: 0	cut the crap unless you work at a bank or at a dealership and does this for a living you don't know squat about this business... its my job to educate people that come through the door and make my living its not my job to put up with ignorant people because there are 2 things that you cant change... ignorance and poverty.. those are the 2 main things that stop american buyers from buying their dream car. Even if i give customers what they want they still do not buy.. why because do not know how they need people like me to give them the extra push... thats why my job is crutial to the auto industry... we might be A$$ess sometimes but we are the ones that make it happen not mr. "I m gonna buy from another dealer 3 hrs away bc I dont have the balls to sit and negotiate."