I checked with my credit union before I went to the dealer for the rate. I close the deal and state to the dealer the credit union is charging me this rate, do you want to write the loan with them under that rate? They did. Where is the issue? The issue comes in only if your uninformed.
Not familiar with car sales tactics from this era, enlighten me please.
- Thread starter R18Civic
- Start date
This, better to take time to shop for a deal you're happy with than needing wheels NOW.
I only drive 10,000-12,000 miles a year. I don't think it's far fetched, especially given that my stepdad has a 2018 Malibu LS with 160k on the clock that runs like a top.
What if you kept your current car and paid $205 a month into a separate savings account at your CU for 3-4 years. Combine that with your current money and have no or practically no loan on a car then.
It's your money. "You pays your money and you takes your chances."
I wouldn't do it.
I wouldn't do it.
Exactly. I never try and negotiate away the dealership prep and sales fees.
The last vehicle I bought was a 2022 3.6L Acadia the day it rolled off the truck.
I had to drive 3 hours to go fetch it a couple of days later, but saved $50 a month times 84 months less than a quote from down the street.
One thing that I agree with from one of your posts, is I can’t stand dealerships that add sometimes thousands of dollars to the sticker price with add ons like paint sealer and undercoating.
That’s the sales department doing to boost their profits.
The vehicle before that was a 2018 High Country. It was the 7th vehicle sold before noon and the staff was run off their feet.
No add ons, no nonsense.
It's all spelled out on the contract. The issue is you have to read it- but yes depending on the dealer they will try. However, in my experience buying over 30 vehicles, sneaky ones are the exception.
Yeah carmax has its benefits, in some cases they're priced a hair higher than other dealerships but you get a set price a set extended repair plan etc. If you're really eagle eyed on occasion Carmax has priced vehicles really off the mark and people have ended up with some killer deals. A couple of years ago a guy spotted an S500 Mercedes on Carmax , ran the vin and realized it was an AMG S500 but priced like the regular S500. It was priced 20ish grand less than it should have been.
There's nothing wrong with a Malibu, but financing any 6 year old car for 72 months is not a good idea imo.
Previous owner drove 5 kids around in it? That would be enough for me to run.
I've never bought a vehicle where the F&I guy didn't go line by line on the paperwork before I signed . Maybe it's a State thing , but here it seems to be the norm .
My bank is closed Saturday so no go on the contract until Monday.
They're going to detail the hell out of the car for me. And they're roughly asking what the car is worth compared to National Automobile Dealers Association. The CVT behavior is normal according to the chevy malibu forums. They haven't detailed the car because it's only been for sale for two days. The scratches don't matter to me. My ex gfs parents had a buick that was scratched up by a 2 year old, so it know it happens. I'm not expecting a 5 year old car to be a shiny gem.
I don't mean to be rude but do you have any other concerns?
Yeah, I do. But I think you are going to do what you want to do regardless.
You started this thread somewhat complaining and asking for advice. It has been a up/down, hot/cold, start/stop affair. Sage advice has been given by others and not just me. I would state the same to any friend, family or acquaintance that ask the same as you have.
What you have stated about your mental state, you have narrowed yourself into small swim lanes and kind of letting external forces run the deal for you and not by you for ease of just wanting to get it done.
I do not know you but only by what you have written here. That being said, any pushback I may have given is only in that I want the best outcome for you.
I apologize for being rude but you're right, I've made my mind up. Talked to family members about it - only one seems to object and the only concern is interest. My mental state is returning to normal and I don't mind the extra interest.
Sounds like a good time to suggest The Total Money Makeover.
Sorry, but why would anybody "want" a 2018 Malibu? Much, much better choice's out there.
No worries, OP. I know plenty of people, including myself who have straight up walked away in the middle of dealing with some car salesmen. I had a pissy 70 year old at a Nissan dealer audibly going "ughhh" and rolling his eyes, then yell at me for looking under the vehicle (we live in the Northeast - Rust land) and checking the oil on a used car, claiming I was "picking the car apart"
I asked him if it was a problem for him if I check the oil on a used car before I buy it. He said yes, I slammed the hood and walked away.
I asked him if it was a problem for him if I check the oil on a used car before I buy it. He said yes, I slammed the hood and walked away.
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My buick dealer is now out of business.
