Charles Brown asked:


If you have not-so-stellar credit, the dealership may pull a bad credit new car loan financing scam on you: Because they want to make the sale, they’ll offer you a competitive interest rate. You sign the papers, trade in your old car and drive the new car home. However, a clause in the contract you signed states that the interest rate is based on “loan approval.” A few days or longer pass and you get a call from the dealership that the bank didn’t approve your loan at the low interest rate. Since you’ve gotten used to the car and it would be embarrassing to return it, you swallow the higher payments. Dealer 1, buyer 0.

This scam is generally pulled on people with bad credit because it makes more sense to the buyer with bad credit. If you are wondering why they would sell you the car at 5% APR if they knew you had bad credit (remember they ran the credit check already on you) the answer is simple; to sell the car.

Avoid any and all dealer car financing problems by getting your bank or other financial institution to approve a loan BEFORE going to the dealer. This puts YOU in the driver’s seat. Because you don’t want to be put in the position of getting a bad credit new car loan through the dealership. Even if you do have bad credit, go through your own bank first. Your interest rate may be higher anyway, but at least you’ll be able to easily refinance this loan for a lower interest rate in about a year. But refinancing a bad credit car loan through the dealership will be a whole lot harder–especially if the loan is “front loaded,” as we talked about earlier.

One thing the car dealership may try to pull on you–especially if you have bad credit–is to take a Factory-to-Consumer Rebate and apply it to the price of the car. This makes them seem like they’re doing you a favor by getting you a lower price on the car. When in actuality, they’re screwing you: Because the Factory-to-Consumer Rebate is for YOU, so that you can apply it toward your down payment. This makes it a better deal for you. Don’t let the dealer take this from you. Don’t let the dealer use this as a negotiating tool on the car. The Factory-to-Consumer Rebate has nothing to do with the dealership whatsoever. It is for you–to take as cash–or to apply it to your down payment.

Also keep in mind that when you buy a new car the deal should be made on the price of the car, not on the monthly payments. Always keep this in mind when negotiating with your car dealer’s “finance manager”.



MILO

Robert asked:


It happens to all of us. Our old car is ready to retire and we need to find a new car. It can be very exciting to buy a new car and there are many ways to go about doing it. Buying online is a great way to buy a new car and even research new cars, as there are no sales tactics and no dealers or salesmen pressuring you into something that you may not want. Buying a new car online certainly puts you in charge of the whole transaction but there are a few things to keep in mind when looking at new cars online.

Most people have an idea of the kind of new car they are looking for, whether it is large family car – such as a 4×4 or an estate, a small economical diesel car, or a weekend sports car. You may want a car that was just like your old one. Whatever kind of car you think you have in mind, make sure you do some research on it. Determine what you will need from the car, how many people will be driven around in it, what kind of space is required, and running costs. Running costs is an important factor to consider when looking at new cars.

Once you have done some research and know what kind of new car you would like, step into the online showroom and look at the model’s details. Become familiar with the model’s specifications and price. You can do this by reading reviews online, in car magazines, newspapers, online, anywhere you can find different reviews and information about the new car you are looking for the better. Being armed with information will help you make a good choice when it comes time to take the big step with the final purchase!

Once you have finalized your decision about the new car that you want, it’s important to get different quotes. Shopping around is the only way to get the best deal and make sure that you are paying the least amount of money for the car you really want. There are some companies and websites that are highly overpriced and paying these big price tags can be avoided by simply obtaining a few different quotes for your new car.

Once you have received a few different quotes for the new car, find out as much as you can about the dealer. The best way to do this is just by asking a few simple questions. Find out what their policies and procedures are. Some important questions to ask are about warranty, delivery costs, whether the new car will be delivered with a full tank, are there opportunities for further discounts and are there any free accessories available. Knowing these answers will take a lot of the risk out of buying a new car online.

Lastly, before you purchase a new car be sure to read the entire agreement. If there are parts of the agreement that confuse you, ask about them and make sure that they are fully explained and that you completely understand them before signing any deal. This will help protect you from unforeseen problems in the future.



JERALD

John Ashtonson asked:


Things to Consider When Buying a New Car from a Connecticut Dealer Nissan

Nissan has always been leader in Auto industry when it comes to the manufacturing of robust vehicles. When you are going to a Connecticut dealer Nissan to purchase your new car, there are many things (like look, speed, power, economic viability) you need to think about. Whether it is small car, big car, tempo or truck, when you are at the Connecticut dealer Nissan, there are several questions you need to ask the dealer before you purchase your next vehicle. Moreover, there will be plenty of varied models for you for different needs.

Gas Mileage

We live in a world where the price of gas is constantly climbing. The estimated cost of gas this summer is making many of us think about what types of things we can do without having to drive. There is absolutely no way you can even think about purchasing a new car without looking at its gas mileage.

The good news is that your Connecticut dealer Nissan will make comparing each types of estimated gas mileage easy. In the window of each new car, there should be a piece of paper that lists the type of vehicle you are looking at, the vehicles VIN number, a list of the car’s special features and the what the Nissan manufactures estimate the cars miles per gallon will be. In fact, there should be two estimated miles per gallon numbers, one for highway miles, and one for city driving.

What Will You Be Using the Car For

One of the things you have to think about when you are looking for a car to purchase from a Connecticut dealer Nissan is what you will be using the car for. Is this just a car that you will use to drive back and forth to work by yourself? IF so then you can get away with a small compact Nissan with two doors, high gas mileage, and few amenities. Will you be using the car to drive your office car pool? In that case, you will still want to look for a smaller car with high gas mileage, but you will also want it to be large enough for several people to ride in.

If you are planning on using the new car to run errands, get groceries, and shuttle your kids and their friends from one sporting event to another, you will want to look for a car at your Connecticut dealer Nissan that is large enough to handle several rambunctious children and is having enough storage space in the trunk for their school bags and sporting gear.

Weather Conditions

Another thing you should keep in mind when you are at the Connecticut dealer Nissan shopping for your new car is what type of weather conditions. If you are city dweller who seldom leaves town, you probably don’t have too much to worry about. However, if you live in a rural part of Connecticut, you know that there are lots of times that the roads are covered with snow and ice. You will want to look for a car with all wheel drive and will not slide off the road and a car that has enough ground clearance that it is not constantly being stuck in snowdrifts when your driveway has not been plowed.



Any questions you have about your prospective car can be answered by your Connecticut dealer Nissan salesperson.



ILIANA

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CARLOS

Charles Brown asked:


Sooner or later everybody has to buy a new car. And chances are you’ve already bought your fair share of new and used cars by now–and you haven’t always gotten the deal you wanted. Even if you think you have, trust me–you haven’t. It doesn’t matter if it’s your fourth new car or your first, it is inevitable. Of course, we all know that there is an art to buying a new car that we should know sooner or later. And the sooner you learn this “art,” the better!

Everyone knows that there are haggling methods to getting a car at a reasonable price. Dealerships and private sellers rarely mark the car’s actual worth. Instead, they mark the price up so that they can clear a good profit for themselves. Some dealerships mark the prices up so that their salesmen will have a greater incentive to sell the cars for them. Now, there’s nothing wrong with any business making a profit. After all, it’s the American Way. But you stand to save thousands if you do a little homework BEFORE car shopping–whether you’re shopping online for a new car or not.

But almost all dealerships can be talked down on their initial prices, if you know how to haggle properly. And haggling is not hard at all–even for super-shy people–if they’re prepared. Preparation is everything. The savvy buyer will know that he can talk the dealership’s prices down at least a little. That’s IF he knows the dealer’s lingo and tricks beforehand and shows that he’s prepared to deal with them. That’s how you want to arrive at the dealership: prepared. I don’t care if you’re the shyest person

in the world, if you’re prepared, you’ll actually look forward to your new car buying experience!

Salesmen speak their own language, and to know when you are being sold on something that you don’t want, you need to know how to speak the same language as the salesmen do.

If you want to save money by negotiating, you should negotiate from the dealer cost up and not from the MSRP down. But you need to remember that the dealer cost is not the same as the factory invoice–the dealer cost is always less than the factory invoice. Go to DealersInvoice.com and figure the dealer cost by subtracting from the dealer’s invoice such things as “dealer’s incentive” and “dealer holdback.” This will give you the dealer’s cost.

Some dealerships refuse to haggle over the cost of a car. But once you make your opening offer you should never accept anything higher than that, as far as costs go. If the dealership that you go to doesn’t haggle, don’t sweat it. Some other dealership will. The reason some dealerships refuse to haggle is because they want to add extra fees to the MSRP. You need to decide what kind of buyer you are in order to get a negotiating stance.

You do not want to set yourself up as a monthly payment buyer because that is a guaranteed way for you to pay more for the car than it’s worth. You can expect them to offer to reduce the price a little from the MSRP. They will then ask you what you are looking to pay each month; this is where they get you to pay extra money. So don’t negotiate from a monthly payment position at all.

The dealer will ask you, “What are you willing to pay each month?” Don’t fall for this trap. Tell them that you want to haggle over the COST of the car, NOT the monthly payments. And be alert for a finance manager trying to get you to report your payment method BEFORE you have decided upon purchasing the car. Don’t be ****** into the trap!

Remember that the method of payment doesn’t matter unless you have decided to actually buy the car. Finance managers ask so that they can do their ‘homework’ on how best to ***** you over.

Buying a car doesn’t have to be scary and it doesn’t have to be the worst experience of your life. Many people dread buying a new car because they know that they are likely going to get ripped off. And 9 times out of 10, they’re right. But not you, because now you know about this resource!



JOSEFA