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Here are the interest rates you can expect depending on your credit score. These are based on what I personally see every day.
above 700 5% - 9%
640 - 700 9% - 15%
600 - 640 15% - 20%
below 600 20% - ?
do you have a 2cv az for sale??
Now that you know this go to www.bankrate.com. They have an auto payment calculator. Play with this.
Here is an example. Lets say you figure out that your interest rate is going to be about 12% and you want your payment to be $250 a month you will be able to finance about $13000 for 72mo. Just keep in mind this isn't the selling price this is the total to finance which will include Tax Title and License. A good way to negotiate is to negotiate an Out the door price that includes all fees. At this point I would reccomend going to Autotrader.com or cars.com and seeing what vehicles are in your price range. Pick out a few you like and start calling dealers. One thing to be aware of is the prices you find on these sites are going to be pretty firm. Your going to read all kinds of articles telling you how to negotiate and all these little tricks and so forth, don't listen to this crap. The best way to get a good deal is go into the dealership armed with information and be nice and easy to get along with. Print out Kelly blue book, on the vehicle you are looking at. Some times our prices are out of line and we will adjust them accordingly if we have a good reason to. Most generally we price our vehicles according to market value. When you read that you can automatically save $5000 on a used car that just isn't true. I hate seeing people waste money paying for these books on how to negotiate a good deal, it doesn't work! The worst thing you can do is go into a dealership and try to play hard ball, beleive me you will not get a good deal you will be shown the door. Be Nice! When someone comes in and makes me a reasonable offer based on good information I will go to bat for them and get them the deal.
To sum this up have your information ready if you need it. If you don't need it then great you got a good deal!
When is the Tata 2,000 dollar car coming to America?
I know I rambled a little. If you have any specific questions feel free to email me!
Visit edmunds.com
They have a section on new and used car purchasing.
I use the site for all of my initial research and on buying tips. It's an excellent resource.
How much do the dealers pay for cars?
Hope this will help. Good luck!
How do i get a dealer's license?
Well number one how old are you?Are you looking at used or new?
How much can you afford to pay monthly?
How long do you plan on keeping the car?
Is is good on gas?
Does it cost a lot to maintain?
1989 ford taurus sho full loaded whats it worth?
These are just a few questions you should ask yourself!! Good luck.. I wish I would have made a better decision when I bought my first car.. but I was young and excited.
If a used car salesman will not let a mechanic look a car over,should you buy it?
Visit edmunds.com or kbb.com for pricing if you've already determined what type of vehicle you want.Where can find a good used car for $2000 or lower in chicago?
Sales people are savvy to the fact that consumers can now obtain invoice pricing, msrp etc from sites such as Edmunds and others as well. They expect you to know this information, it's not a hindrance to them at all, actually a benefit, of course to consumers well.
What type of vehicle has the most comfortable backseat for 2 large adults?
Supply and demand still rules pricing, especially with high line luxury cars or in demand vehicles, depending on what type of vehicle you are considering, if it's a hard to get vehicle, your bargaining power will be reduced.
Would you rather purchase a ....?
You should be forthcoming, in a diplomatic way of course, let them know what you've found as far as pricing. This should be stated as soon as possible, or as soon as the conversation allows. By letting them know, they will at least not start so high with an original offer.
i would like to refinance my new car.i need a quoter first.?
Don't appear to be so eager, if this is really the car you want, don't show it. This will allow leverage on their part and reduce your bargaining power once again.
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Of course it's not just the bottom line price of the car that consumers pay for. It's add ons, such as paint sealants, undercoatings, window etching, PREP Fees and other items they may approach you into buying. My personal and professional opinion is that these items are very seldom needed, if at all.
What is the first time buyer's program for buying a new car from Kia? Is there one?
Extended warranties are another issue as well, depending on your usage of the vehicle, this may or may not be a good option for you. I'm a firm believer that they are valuable under the right circumstances, but they are not always a good idea for every circumstance.
Does any one know where I can get the best price for a used truck or jeep?
If you consider a warranty, you can always purchase before the original factory warranty expires. If you purchase when you buy the car, and it's included with financing, you'll be paying finance charges for something that you aren't using.
Financing is another source of income for dealers, if you finance thru a credit union or bank, you will most likely get a better interest rate, but if you finance outside the dealer, they may not be willing to negotiate with bottom line pricing.
where can i buy a pink mini from?
You should compare the options and use an online comparison calculator once you have the details. These can be found on most sites that offer auto loans.
Which car would you reccommend?
Another small rule of thumb is the best time to buy, most people will tell you at the end of the month, this does have some value, but dealers will often ROLL the 1st day or 2 of sales into the previous month.
where can i find a reputable car dealership in seattle?
Manufactures will offer incentives to dealers for number of cars sold, so if they are short, they may roll these couple of days to earn their incentives.
Also, be wary of a salesperson asking you how much you want your monthly payments to be. Don't divulge this info, just negotiate the price and then the financing terms,
Be careful as well if you are trading in a car or truck with a lien, if they claim they will pay this off it often times ends up back in your contract, they simply add this amount to the new financing arrangements.
Know your credit score before you start shopping, a common scam is an original agreement based on your score, then they call you back and say you weren't approved based on your score and attempt to get you financed with a higher rate.
Read the contract carefully before signing, look for "Arbitration Clause" that states if you are dis-satsified you waive your right to sue.
list of cheap auto insurance in Georgia $40-$50 a month?
As with any business, sales people and dealerships are in business to make a profit, and so they should, but there is a big difference between making a profit and being taken advantage of.
daughter not making payment on car i cosigned for her-what happens next?
Also consider the quality of the service dept, do they offer loaner cars? Do they have a good reputation?
Where can I find blue book value for my car other than KBB.com (Kelley Blue Book)?
My suggestion here is to meet with the service manager and have a list of questions that may be of concern to you, such as the examples listed above. Explain that you are perhaps buying a car from the dealer but you would like to know about their service first.
How is the Subaru Car an about the Hyundai, Toyota, ect?
There's a saying in the industry, Sales departments sell the first car to a consumer but the service dept sells the second or more to the consumer. Meaning the quality of the service dept will keep a consumer coming back when he/she is in the market for another vehicle.
Visit the links below for more info that may help.
is there a 2006 chevy corvette worth 175,000 ?
As a last note, considering this is your first visit and purchase from a dealership, I'd recommend you take a few trial runs before signing, even visit several dealerships, take a few test drives. listen to the sales pitch etc, this will make you feel more comfortable when you are ready to purchase and negotiate.
i have 300 dollars. wat electronic should i buy?
That said though, remember sales people are at work to make a paycheck as well, it's not right to take up to much of their time when you are not seriously considering purchasing from them, so although I recommend these "trial runs", I also recommend respecting their time.
i cant sell my truck here right?
Jerry Christopher
http://www.usedcarwise.com
Where can I find a H3 hummer for under $20,000?
Ps: I answered this question under the assumption you are buying a new car, if you are buying used then some of the info above won't apply. With buying a used car one has to be knowlegable about an entirely different set of circumstances, questions and answers.
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