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Thread: Teach me how to buy a car!!!

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    God/dess Zabrina's Avatar
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    Default Teach me how to buy a car!!!

    I seriously need advice! Last time I got violently assed-raped by the dealer. Sorry to be so blunt, but I paid more than the car was worth, and my interest rate was sky-high. I paid the loan off in a fraction of the time, but they did not give me a refund on the interest, nor did they report my timely payments to the credit companies as promised. How do I avoid getting so horribly screwed this time? I know my job, with no verifiable income, hurts me and my credit is blah at best. Help me please!!

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    Default Re:Teach me how to buy a car!!!

    First off, go to your bank - they will be able to give you a much better deal on a loan than a dealer. Do your taxes, and declare enough so that the bank will give you a loan - a resonable amount of monthly income. As independent contractors, that tax return is the only way we have to prove that we make money.

    Or you could just pay cash.

    The whole thing is a pain, and part of the reason I've kept my car for so damn long.

    You should really write them a certified letter requesting that they report your positive payment history to the credit bureaus, and write the credit bureaus too. That's a major piece of good credit that you want on your report.

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    God/dess montythegeek's Avatar
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    Default Re:Teach me how to buy a car!!!

    Mariah,
    Take the approach that you are engaged in 2 distinct transactions--buying a car AND buying a loan. You cover the loan transaction by pre-qualifying at a couple banks, the ace in the hole being the one with your account who can see all your on the books activities, not just the ones the credit agency sees.

    ARM your self with info on pricing and DO NOT get wedded to one vehicle or what is on the lot at one dealer. Have tons of options and choices and you can frequently do better buying at the end of a bad month for sales. DO not go at the end of a good month--less incentive for them to be flexible. January was not great for sales(nationally) and neither was early February based on reports.

    Today is the 28th and the car salesman's mortgage/rent is due Monday.

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    God/dess Emily's Avatar
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    Default Re:Teach me how to buy a car!!!

    have you checked out ebay motors?

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    tampafldancer
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    Default Re:Teach me how to buy a car!!!

    i bought my bmw over ebay motors and was "screw**_)

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    Default Re:Teach me how to buy a car!!!

    First do some scouting for cars on Sundays when dealerships are closed so sales people won't hound you. Get an idea of say 6 different models of vehicles which more or less fit your idea of the type/size/style/age of car that you want.

    Then do some internet research on the 6 different models of vehicle which interested you. Start with - which lists "book prices" for various models based on age, mileage, condition etc. The purpose of this exercise is to know in advance what the fair price for all of the 6 likely prospect cars should be BEFORE you walk into a dealership and are hit on by a sales person. Also if you plan on trading in a vehicle you already own towards a new one, find out what the "book price" for your trade-in is so you'll also know in advance how much "credit" you should expect.

    Unless you plan to pay cash for a new vehicle, do some internet research on the going rates for car loans from financial institutions. is a good starting place. The purpose of this exercise is to know in advance what a fair interest rate on available car loans through the dealer should be. Go through the exercise of pre-qualifying for a car loan to find out what interest rate will likely apply to your particular credit risk/credit history situation.

    Also, take a calculator with you if/when you start to talk seriously about possible purchase of a vehicle. Lots of games are being played these days with "cash back" or "zero percent financing" - but there is no such thing as a free lunch. If the dealer offers you a zero percent loan or $2,000 "cash back" on a new vehicle but he also plans to overcharge you $2,000 on the purchase price or screw you out of $1,000 "credit" on your trade-in, or both, it's no bargain !

    Lastly, do not be afraid to simply "walk away" from any dealer's first offer, even if you really like the car. Right now new car sales are slow and used car sales are even slower, meaning that it's extremely likely that the dealer will be calling you back with an improved offer before the week is out.

    I'm not a big fan of buying vehicles over the internet. If the vehicle turns out to be a lemon, you have much fewer rights and options with a long distance purchase than if you bought it from a local dealer. It always helps to know exactly who you can take to local small claims court if you need to!

    However, where dancers are concerned, it's now very much in your financial interest to make sure that you have filed reasonable past year's tax returns if you plan on buying a new car. First off, if there is more than $10,000 involved in a cash purchase, the IRS WILL get notified of the transaction. And regardless of how much cash you put down, your state's motor vehicle title agency will also notify the IRS that you just registered a vehicle worth x thousand dollars. If past years tax returns do not show that you have reported enough income to justify your being able to afford the car you just purchased, red flags will go up! Of course, if you plan on buying something used for $9,000 or less, you can still "fly below the radar".

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    Default Re:Teach me how to buy a car!!!

    Edmunds.com has an excellent series of articles on how to buy a new or used car. Go read those, I found they helped a lot! I used what I learned there along with the price information they had to buy my new VW Beetle for invoice price.

    Like Melonie says it's two transactions. One is the car purchase, the next is the loan. Use your credit union to get pre-qualified. Also shop other banks and credit unions both locally and online. Get the best deal and then go to the dealer. If they offer something better, take it. If not, just pay them cash and use your pre-approved loan.

    Finally there's the used car. Sell it yourself. You'll get a better deal. Again, Edmunds.com has a good discussion of this.

    You might want to look at Clarkhoward.com for a good discussion of the wisdom of used cars. They are almost always a better deal but you have to shop carefully.

    Good luck and happy car hunting!

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    Senior Member missmolly's Avatar
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    Default Re:Teach me how to buy a car!!!

    Go to a real dealer not one of those buy here pay here places. I bought a brand new car and the dealer really worked with the fact that I was a dancer. I just had my manager write me a letter saying I made so much a month(but remember then you have to report that income to the IRS)and now I have a nice new car
    "It's hard to say that I was wrong, It's hard to say I miss you, since you've been gone I'm not the same"
    *MisS MoLLy*

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    Default Re:Teach me how to buy a car!!!

    Mariah, if you deposit your money in the bank your bank statements will work to prove your income. I'm currently looking for a car and they want my last 3 bank statements to prove my income.


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    Default Re:Teach me how to buy a car!!!

    Thanks everyone for the advice! I'm seeing some stuff on my credit report that is not correct, so I'm going to try to get that updated so I'll have better chances at a loan. And I'm going to try to get the last car place to report, because without that I have no car buying history.

    Please keep it coming! I'm still shopping around and I'm sure I'm not the only one who could use a little help on these matters.

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    God/dess doc-catfish's Avatar
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    Default Re:Teach me how to buy a car!!!

    Mariah, this link should be some good reading for you. A list of scams that dealerships try to pull.

    http://www.carbuyingtips.com/scams.h...z_ttky3&y=0x40

    Precisely why I try my best to purchase my vehicles on the "one payment plan", although I know that isn't realistic for everyone.
    Former SCJ now in rehab.

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    Default Re:Teach me how to buy a car!!!

    I went (indirectly) to Capital One Auto Finance. They have "Blank Check" auto loans where they basically pre-approve you for a loan amount and send you a blank check. You take it to the dealer and fill it out for whatever car you like. The minimum under this is $7,500. For instance, I was approved for anything from $7,500 to $42,000. I could pretty much get any car I wanted in that range.

    There are some limits. I think they only finance up to 90% of Blue Book on used cars and up to 115% of MSRP on new cars. However, I got my car at Carmax and because they have a good relationship with Carmax I was able to go to 115% of sticker on a used car.

    What this generally means is that if you want to buy a used car with a $10,000 blue book value that the dealer is selling for $12,000 (I think they use the dealer-purchase blue book value which is lower) you could only write the blank check for $8,000. You'd have to come up with the $4,000 out of pocket.

    For some reasons, you aren't allowed to buy Daewoos under this program. Makes me wonder what's wrong with Daewoos.

    Anyway, you can link to these loans through Capitalone.com, although ironically I found about them through an ebay motors ad.

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    Default Re:Teach me how to buy a car!!!

    yeah, I've seen the capitalone blank check program for awhile now but according to the site that doc catfish posted you need a credit score of 650+ to qualify (I think it was 650 it was 6 something can't remember)


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    Default Re:Teach me how to buy a car!!!

    They have a second chance program under that, and that's where I qualified. So, I'm paying 9.95% on my car loan, not the 5% or so they show on the main page. However, given that I was expecting to have to pay 21% or more, I'm not complaining about 9.95%

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    Default Re:Teach me how to buy a car!!!

    Quote Originally Posted by doc-catfish link=board=6;threadid=6968;start=msg79900#msg79900 date=1078248996
    Mariah, this link should be some good reading for you. A list of scams that dealerships try to pull.

    http://www.carbuyingtips.com/scams.h...z_ttky3&y=0x40

    Precisely why I try my best to purchase my vehicles on the "one payment plan", although I know that isn't realistic for everyone.
    Wow! I love that site, thanks a ton!

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    God/dess montythegeek's Avatar
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    Default Re:Teach me how to buy a car!!!

    Your 3 biggest assets to not get ripped off are the words "Attorney General", "The dealer down the street", and your two feet. If something smells funny, just Walk.

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    Senior Member Aneliese's Avatar
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    Default Re:Teach me how to buy a car!!!

    Monty is right. DO NOT let them intimidate you. I used to sell cars so my advice is to do your research, have some balls and go home happy. Edmunds.com is definitely a good place to get invoice prices on new cars. If you have so so credit, the easiest thing to do is follow previous posts and go to your bank and show up at the dealer with the check. If that is the route you go then your biggest thing is to get as close to invoice price as possible. I don't know about your state, but in NC it is illegal for themn to withhold the invoice from you. They will bitch, and bullshit, but they have to do it. You just have to be tenacious. Most people fail at this because they get impatient...wait 'em out if youhave to. Definitely mention other dealers, etc.

    If you need to finance at the dealer, do not answer all the seemingly harmless personal questions they ask...only waht is on a credit app anyway. These are "lifestyle" questions that they will use to their advantage. when they ask what kind of downpayment say half of what you plan on or just plain zero. If you want a payment of 325, tell them you want to be as closeto 200 as possible (just an example). you will always get "bumped" with these questions
    ex: well, i couldn't get 200 but i got 299, does that work for you??? you just lowered you goal payment 26 bucks. Once they bring back a payment that is acceptable to you, get it in writing. when you go to the finance dept, you can bring up more downpayment, etc and automatically lower your payment. Keep in mind that unless you have a couple thou or more, it';s not going to lower dramatically.

    My last two pieces of advice are : try to get them to take the vehicle home with you overnight. This is acceptable. It will probably not work if you have shaky credit unless you already have a bank check. dealers hate to have bank checks walk off their lots b/c they know it's most likely not coming back. That is a powerful bargaining tool. cash is the same way. 2nd: I do not recommend you buy a used car. This is where a lot of dealers make their money. It is hard to research used cars, and even if you do you willl never find out how much the dealer paid for the car. I've seen cars marked up 15k and the customer didn't even haggle. Plus, if the car was wrecked but not reported to the police, previous owner does not need to release that info and neither does the dealer who took it as a trade. If you want to buy used, carmax is a better bet but keep in mind the last statement...always get a used car checked out by an independent mechanic before buying.

    Sorry this is so long, but once i get started on car buying 101 ....

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    Senior Member Flounder's Avatar
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    Default Re:Teach me how to buy a car!!!

    One tip- I would stay away from letting them know that you are looking for a monthly range. The problem with saying you are looking for a car that cost $500 a month is they can and will stick you on the interest. This happened years ago to my mom and she was stuck at 23% but it fit her monthly number, ouch.

    Steps I follow-

    1. Lock in your loan- go to some banks and CU's and see what you can get, now you are set on the amount they will loan you and the time frame.

    2 Lock in the price of the car- haggle with them and get the price you have researched, but be ready to walk out on them, I have on my last three cars, if they want the business they will stop or call you back. Do not let them try to include any financing, say you have that covered but once a price on the car is set they can try to beat the price the bank gave you. On my last car GMAC gave me a better rate than my bank.


    Good luck

  19. #19
    Sitri
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    Default Re:Teach me how to buy a car!!!

    I just leased a new loaded 2003 Jaquar X type that lists for $40,000 for $29,000 and my lease payment is $404 for a 39 month lease with $1,500 down. (before the 7% sales tax.)

    I never ever buy a car because you will get screwed when you have to sell it. I always drive 2 new cars and never have to pay for maintainence.

    So how do I do it?

    First, check your credit score. Find out what it is because this will dictate your interest rate or lease factor. Look in the paper and you will see lease payments advertised for cars and in the fine print you will see the credit score to qualify.

    Second, narrow it down to two cars, or one car and/or shop multiple dealerships for it. Work the dealerships back and forth on the price. Don't fall in love with the car and purchase it the same day you decide on it. I worked my deal for 3 weeks. You have to wear them out and there is a point when the salesman will finally cave in because they are counting on the commission and the need the sale. Don't let them hot box you into signing.

    Work multiple dealers back and forth. I was also looking at the Infinity G35 and was working them down on price. I test drove the car and drove it over to the Jaquar dealer's so I could "compare' them side by side. The Jag salesman was absolutely deflated by the features and price on the Infinity , which I told them was at dealer cost and I told them the payment I was trying to hit- about $400.

    A cheap car does not mean a cheap payment because it is all about depreciation This is the amount between what you pay for it and what you can buy it for at the end of the lease. A BMW and Lexus are some of the best cars for holding value. The other approach is to find the cars that are being cleared out to buy them cheap so that the depreciation is low.

    Now start working the payment. Because at this point, they will make the profit up on the lease. There is a product call Lease Link that most dealerships have. It will compare all of the lease prices for your credit score and the car you pick out It forces them to show you the factors. Never Ever , repeat, Never ever look at just the payment. Because you will get hit on the length of lease or the down payment.

    When looking at a lease be relentless about requiring the following things.
    What is the vehicle list cost. What it lists for i.e. $40,000
    What is the capitalized cost. What are you paying for it. $29,000
    what is the residual value. What it will be worth in 39 mo. $16,000
    The residual factor =list price/residual factor =.40%.

    The difference between the cap. cost and the residual value is what it will cost you to drive the car. (29,000-16000) =$13,000
    Divide this by the months 13,000/39 =$333 / month. This is your cost before interest or lease factor. You are trying to minimize this cost by having a high residual and/or a Low purchase price. This is what you are wearing down.

    Next, subtract out 403-333=$70 / month. This is the implied monthly interest rate. Multiple this by 12=$840 for the annual interest.

    Divide this by the average of the cap cost and the residual value (29,000+16,000)/2= $22,500. This is the average "loan".
    $840/$22,500= 3.75%. This is the implied interest rate.

    At the end of the lease in 39 months, I can buy the car for $16,000 or turn it in. My choice. All maintainence included. No out of pocket. Never lease a car longer than its warranty or maintainance. I always lease for 24, 36, or 39 months. Why drive a 4 year old car and make the same payment as a new car?

    Also, once I get the price, I will shop on the internet and get quotes. Most dealerships now have an internet sales person. This will take the intimidation factor out of it and allow you compare based on price only.

    By the way, I am turning in a Mazda Miata 2002 off of a 24 month lease with 10,000 miles on it at the end of May. The residual value is $12,200 with a $150 purchase charge. Average retail is $15,000 to $17,000. List $22,000.

    Hope I presented this understandably. Better explanation at.




  20. #20
    Banned Melonie's Avatar
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    Default Re:Teach me how to buy a car!!!

    nice description Sitri, and a nice deal for you too.

    I follow a somewhat more cheap-ass approach (once a poor country girl always a poor country girl I guess). I have been deliberating over leasing a new or 1 year old "program car" Audi TT Quattro or new Infiniti G35 AWD or Subaru WRX AWD for some time now.

    Finally a deal fell in my lap which was too cost-effective to turn down. I just bought a 2000 Subaru Impreza 2.5 liter AWD for 8 grand cash, plus a 24 month 24K mile wall to wall after-market warrantee for an extra $1,400. The car books for $11 grand plus at the moment, and should still be worth at least $5 grand when the 24 months and 24K miles are up.

    My cost is therefore at worst $183 per month over the expected 2 year period I will keep the car as my primary vehicle, plus whatever "opportunity cost" I might have lost by tying up the cash for an outright purchase rather than investing it somewhere else (which might amount to an optimistic 5% after tax or another $800 over the two year period). True, the Subaru isn't brand spanking new, but the actual monthly cost is only about 1/2 to 1/3 that of leasing/purchasing a new or 1 year old four wheel drive vehicle (and where I live 4WD is a must). However, when I keep the car as my backup 2nd vehicle beyond the 2 year period, my costs then become a crap shoot in regard to actual repair costs (because at that point the actual value of the car is well depreciated such that it can't lose much more value).

    I agree entirely with Sitri that if you are planning on purchasing a car and then selling it before it is essentially fully depreciated (i.e. before it is 8-9 years old) you're going to take a beating on the resale price or trade-in value that you can actually get for it. If you purchase a car new or 1-2 years old, and then sell it when it is 4-5 years old, as many people typically do, you're going to get hit with the double whammy of major depreciation immediately after purchase plus taking a beating on the resale price or trade-in value.

    If you want the prestige and reliability of a new or 1 year old car, lease it and then turn it in at the end of the lease period. If you want the absolute lowest monthly cost for decent reliable transportation, purchase a 3-4 year old car (which has already depreciated significantly in price compared to new), drive it as your primary vehicle until it is 5-6 years old, keep it as a backup vehicle until it is 8-9 years old, and then throw it away for $1,000.

    However, if you go the 3-4 year old car purchase route, it does require that you also hang onto your previous car as a backup to cover for the fact that you're probably going to have more frequent breakdowns and lose the use of your 3-4 year old vehicle more frequently (even though the repairs are covered by an after-market warrantee). This does increase overall costs slightly though since this involves a 2nd registration, liability insurance on the backup vehicle etc. But it also guarantees that you'll always have one car available when you need to drive somewhere, which is not true with a new or 1 year old leased vehicle that's in the shop. Of course Sitri gets around this problem by leasing 2 "new" cars - a fantastic option if you can afford it !

    PS I agree that the Infinity G35 is an awesome car for the price, with or without AWD ! Unfortunately this is the first year they have offered an AWD version, so there aren't any used or "program" cars available yet. I plan on setting aside the money I saved going with the used Subaru toward scarfing up a used G35 AWD 2-3 years from now (after it's depreciated about $10-$15K)!


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    Featured Member scorpio's Avatar
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    Default Re:Teach me how to buy a car!!!

    All this info is very good, but is useless for the folks with below average credit. I was a finance manager in a dealer for awhile, and if you have marginal credit, get a copy and start calling the beuraus to update any wrong info. you will definately have to put some money down. Some banks to try are Wells Fargo, Onyx acceptance, GMAC. chances are, your local bank wont touch you if you have credit below a 650. Credit unions are alot more flexible. As far as income reporting, just explain that you work on tips, and provide bank statements or a verification of deposit.

  22. #22
    Sitri
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    Default Re:Teach me how to buy a car!!!

    Scorpio, Good comment. Pay your bills on time. A friend of mine purchased a used Jeep for $20,000 and the finance guy put her on a 5 year 22% loan. After 3 years, she still owed $10,000 . Bad Credit can kill you.
    If you have bad credit, work out of it.

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    Default Re:Teach me how to buy a car!!!

    If you have bad credit I agree work out of it, get bills paid up to date and pay off any delinquincies I think the best option is to pay cash for a used car. But this thread is great I'm learning lots of info and have a car goal now (I think I'll be a leaser when I'm up to specs) Thanks for starting it Mariah!


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    Banned Melonie's Avatar
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    Default Re:Teach me how to buy a car!!!

    Paying cash for a used car definitely gets you around the bad credit = double digit interest rate car loan dilemma. Paying less than $10,000 in cash for a used car gets you around another hurdle as well - no mandatory transaction reporting. Of course when the title is registered there will be a report from the state to the IRS, but this isn't anywhere near as high profile as a "Large Cash Transaction" report directly to the IRS by the car dealer. Keep in mind that you will ultimately have to prove where the income came from that you used to purchase or lease your car, plus prove that you paid taxes on that income, if you are audited.

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    Default Re:Teach me how to buy a car!!!

    Quote Originally Posted by sitri link=board=6;threadid=6968;start=msg93354#msg93354 date=1081343932
    Scorpio, Good comment. Pay your bills on time. A friend of mine purchased a used Jeep for $20,000 and the finance guy put her on a 5 year 22% loan. After 3 years, she still owed $10,000 . Bad Credit can kill you.
    If you have bad credit, work out of it.
    WOW! The EXACT same thing happened to me. 3 years ago I purchased a used 1998 Ford Exrplorer for 13k. The interest rate was 24% because of bad credit and lack of credit. 2 months ago, I totalled the explorer and I still owed 9000! After 3 years I still owed 9k! Luckily, the vehicle had GAP insurance, so the difference of 4k was picked up by ford. The vehicle had 160,000 miles and insurance only gave me 5k for it.

    I have worked for the past 3 months correcting negative information on my credit reports with the big 3, and have gotten my credit in really good shape. My score went from a 550 to a 680, which is a huge improvement.


    Feel free to e-mail me on info on how to structure your dispute letters and what approaches to take for charge-offs, bankruptcies, late payments, inquiries, ect.

    My e-mail is [email protected]

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