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User Topic: Buying a used car from a dealer
InnerLight
♀ Member
Member # 19946
Default  Posted: 8:25 PM, January 29th (Wednesday), 2014View ProfileEdit MessagePrivate MessageHomepage

I see a car that I want, and I can bring it in to the mechanic tomorrow morning to get a second opinion. I test drove it and it seemed fine. I didn't go fast because it was rush hour and I didn't want to get on the freeway.

It's a Honda Fit 2009 'sports' edition in the only color i want - the rust kind that matches the dirt where I live. I have driven honda civics for years and I appreciate their reliability and gas mileage even though I know they are not exciting. I've checked out consumer reports and Kelly blue book and the price is in the middle of what most people get from the dealer, ($11K and 72,000 miles) and the consumer reports on this model are excellent. The dealer says car needs new tires.

Is there a way to negotiate price to get it lower?

I have exactly this amount in savings, but then I will have no cushion. So I am thinking of taking out a loan through the dealer with chase. I don't want to go into debt. I have so many monthly bills. My income is variable, I don't have a set salary.

Do you think it's better to go into debt than have a savings cushion?

I am leaving the big city on Friday and I won't be back here for 2 weeks so I have to make decisions fast if I really want this car.

Any thoughts on this appreciated.... thanks.

[This message edited by InnerLight at 8:26 PM, January 29th (Wednesday)]


BS, age 53, d-day 6-2-08, divorced after 17 years and 20 together. dating again, living in the sticks with a cat. It's taking a long time to create new dreams and a new life but it is slowly coming together.

Posts: 5798 | Registered: Jun 2008 | From: Rural California
Lucky2HaveMe
♀ Member
Member # 13333
Default  Posted: 7:32 AM, January 30th (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

Always, always, always negotiate a car deal. At the minimum insist they throw in 4 new tires!

They will tell you they really have no wiggle room in the price, that used cars are in high demand, blah, blah, blah. Be ready to walk away in the moment. When they go to "check with their manager" tell them that if they are not authorized to make a deal, to please take you to the person who can and cut out the middle man.

Chances are they will come down some AND throw in the tires. They don't want you walking out of that showroom. Good Luck!

I hate, hate, hate car shopping/dealing.


Indian wisdom says our lives are rivers. We are born somewhere small and quiet and we move toward a place we cannot see, but only imagine. From Tending Roses

Posts: 6264 | Registered: Jan 2007 | From: WNY
Crescita
♀ Member
Member # 32616
Default  Posted: 10:01 AM, January 30th (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

Do you think it's better to go into debt than have a savings cushion?

Is $11k the sticker price, or out the door price? I'd definitely negotiate for new tires.

Interest rates on auto loans can be pretty low. I'd check with your bank or some local credit unions rather than going through the dealer. If you can get a loan for less than 3%, and only finance part, the amount you pay in interest will be minimal.

If you don't finance, what would you use for an emergency fund? If it's a credit card, how would the interest compare?


Posts: 3344 | Registered: Jun 2011 | From: The Valley of the Sun
TrulyReconciled
♂ Member
Member # 3031
Default  Posted: 10:17 AM, January 30th (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

Always do a carfax on it.


"In a time of deceit, telling the Truth is a revolutionary act."

Posts: 21040 | Registered: Dec 2003 | From: Hell and back, way back :o)
karmahappens
♀ Member
Member # 35846
Default  Posted: 3:24 PM, January 30th (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

If you are tight monthly due to bills I wouldn't take on a loan.

You said this is your savings, do you HAVE to buy right now? Can you wait, build up your savings more or buy something cheaper?

It may not be exactly what you want, but IMO financial cushions and safety far out-weigh the desires of any "favorite" car.


“And the day came when the risk to remain tight in a bud was more painful than the risk it took to blossom”
Anaïs Nin
Me: 45
Him: 47
Dday 8/2007
We have R'd

Posts: 3793 | Registered: Jun 2012 | From: Massachusetts
Later
♂ Member
Member # 39375
Default  Posted: 3:50 PM, January 30th (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

The internet is filled with info on used car values. Edmunds true value is a great place to start. Spend an evening researching that make and model.

Also, since dealers make money off of financing you may actually be able to get a better price on the car itself if you finance. Just understand the terms and costs of financing.

As far as the car needing new tires, your mechanic can look at that and see if the wear is typical or there may be alignment issues,


Posts: 385 | Registered: May 2013
Cally60
♀ Member
Member # 23437
Default  Posted: 5:33 PM, January 30th (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

I hate, hate, hate car shopping/dealing.

Me too. If you try to negotiate, be wary of "alternative deals" that they offer you. The first time we bought a car, the dealer reduced the price but then brought in the boss, who simply got the money back on another part of the purchase. Another time, the fast-talking manager offered my husband an "alternative deal" while I listened and followed the numbers he was writing down as he gabbled. Surprise, surprise: the new "improved" deal would actually have cost more than the original one.


Posts: 2110 | Registered: Mar 2009
GabyBaby
♀ Member
Member # 26928
Default  Posted: 5:35 PM, January 30th (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

With regard to the Carfax, PLEASE make sure the VIN number on the printout is the VIN number for the car you're looking at.
I had a dealership try to switch documents on me. The "fake" Carfax showed the car with one owner, no accidents. The real Carfax showed multiple owners and accident damage.


Me - 40s
SorryInSac - WH#2 - 40s. DDay 7/12/14
Married 4, together 7yrs total
Status - R looks possible..

DD(21), DS(18, PDD-NOS)
6 Furkids

WXH (serial cheater, 12+ OW)
Legally married 18yrs, together 16.5yrs

I edit often for clarity.


Posts: 6369 | Registered: Dec 2009 | From: California
InnerLight
♀ Member
Member # 19946
Default  Posted: 11:33 PM, January 31st (Friday), 2014View ProfileEdit MessagePrivate MessageHomepage

Well it all went very smoothly. My favorite mechanic across the street checked it out. Dealer was asking 11K, I asked for 10K we settled on 10,200. I was expecting a trade in of $1000 but I got $1200. It was very straightforward negotiating as I had done my research. There was no drama or posturing or stories. I put down half, the bank will pay half. My monthly will be $110, and I am thinking of things to cut out to make it work.

This is the only car I have been remotely interested in. I am very practical minded when it comes to cars so I don't get pulled in easily. I just saw the right model in the right color and went after it after thinking about it for 3 years.

I drove it home and it was great.

Thanks for all your ideas.


BS, age 53, d-day 6-2-08, divorced after 17 years and 20 together. dating again, living in the sticks with a cat. It's taking a long time to create new dreams and a new life but it is slowly coming together.

Posts: 5798 | Registered: Jun 2008 | From: Rural California
FaithFool
♀ Member
Member # 20150
Default  Posted: 11:43 AM, February 1st (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

Glad you got the car you wanted and that you have a good mechanic, they are like gold.

I bought a Civic new in 1986 (I went in and pointed to the one in metallic fuschia) and loved it for years. It lasted as long as my marriage.

Scrapped it awhile back and received a year's worth of CarShare credits for it when the government was offering incentives to get beaters off the road.

I feel very lucky to live in a place where I can get by without a personal car and don't miss having one to worry about.

Every now and then I think about getting one, because it's fun to be spontaneous about going places, but I'm so used to having that extra cash to spend on other things now that I'll probably never go back.

When I get a CarShare, it's always a new one, and for longer trips I just rent, again, a brand new one. I never had AC or power windows, so it's always a treat.

[This message edited by FaithFool at 11:45 AM, February 1st (Saturday)]


DDay: June 15, 2008
Mistakenly married Mr. Superfreak
20 years of OWs, WTF?
Divorced Dec 26, 2011
"Life is a shipwreck, but we must not forget
to sing in the lifeboats". -- Voltaire

Posts: 17341 | Registered: Jul 2008 | From: Canada
InnerLight
♀ Member
Member # 19946
Default  Posted: 11:50 AM, February 1st (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

I am completely dependent on a car for transportation. My city life is over.

I look outside at this beautiful jewel and I can't believe it's mine. It looks 10,000x prettier than my old honda civic.

Now I need a carport!

And the color matches my housepaint!

I recommend anyone who is looking to buy a car to listen to the podcast of this american life episode that aired in December about the car dealership.

[This message edited by InnerLight at 11:51 AM, February 1st (Saturday)]


BS, age 53, d-day 6-2-08, divorced after 17 years and 20 together. dating again, living in the sticks with a cat. It's taking a long time to create new dreams and a new life but it is slowly coming together.

Posts: 5798 | Registered: Jun 2008 | From: Rural California
FaithFool
♀ Member
Member # 20150
Default  Posted: 11:55 AM, February 1st (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

The colour is the most important thing.


DDay: June 15, 2008
Mistakenly married Mr. Superfreak
20 years of OWs, WTF?
Divorced Dec 26, 2011
"Life is a shipwreck, but we must not forget
to sing in the lifeboats". -- Voltaire

Posts: 17341 | Registered: Jul 2008 | From: Canada
Topic Posts: 12

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