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  #61  
Old 12-09-2015, 07:34 PM
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Re: first post, seeking advice from current owners!

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Originally Posted by rszwestko View Post
........I am not about to save for the next 20 years for a car which I can have now at 0%.
I'm not trying to be sarcastic here. But seriously, if it takes you that long to save for a new car, perhaps you should be thinking more in line with a less expensive vehicle. Most any financial adviser would tell you much the same. There are plenty out there far cheaper than the Grand Cherokee.

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  #62  
Old 12-10-2015, 08:44 AM
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Re: first post, seeking advice from current owners!

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Originally Posted by billt View Post
Sure it is. You'll just pay more to get it.
Let me give you an example:
Bill's out the door price is $45000 @ 2.9% for 60 months
Johns out the door price is $45000 @ 0% for 60 months

Please explain to me which one is cheaper considering John and Bill is quoted the same OTD price.
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  #63  
Old 12-10-2015, 08:46 AM
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Re: first post, seeking advice from current owners!

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Originally Posted by billt View Post
I'm not trying to be sarcastic here. But seriously, if it takes you that long to save for a new car, perhaps you should be thinking more in line with a less expensive vehicle. Most any financial adviser would tell you much the same. There are plenty out there far cheaper than the Grand Cherokee.
Thanks for the advice but I was very extreme in my example, in fact I am driving much more expensive car now but that wasn't the point of my post. What I was saying is why wait and save when you can finance the car for 0%.
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  #64  
Old 12-10-2015, 08:56 AM
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Re: first post, seeking advice from current owners!

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Originally Posted by rszwestko View Post
Let me give you an example:
Bill's out the door price is $45000 @ 2.9% for 60 months
Johns out the door price is $45000 @ 0% for 60 months

Please explain to me which one is cheaper considering John and Bill is quoted the same OTD price.
I explained all of this before. As did all of the links I posted along with it. You will not get the exact same vehicle for the same price at 0% financing, that you will with cash. The cash price will always be cheaper. The dealership would be foolish. They're not. Again, they're not in the habit of giving away money.

For the second time. I negotiated the best possible cash price I could get on the Grand Cherokee I bought. I never once mentioned 0% financing until we had that agreed upon price........ I then told him I wanted 0% on the car for as long as a term as I could get, and or qualify for. He flat out told me 2 things.

1.) They WERE NOT offering 0% financing on any of the Grand Cherokee models they had in stock.

2.) Even if they were, he could not sell me that same vehicle for the same cash price we had just agreed on moments earlier.
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  #65  
Old 12-10-2015, 09:41 AM
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Re: first post, seeking advice from current owners!

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Originally Posted by billt View Post
I explained all of this before. As did all of the links I posted along with it. You will not get the exact same vehicle for the same price at 0% financing, that you will with cash. The cash price will always be cheaper. The dealership would be foolish. They're not. Again, they're not in the habit of giving away money.

For the second time. I negotiated the best possible cash price I could get on the Grand Cherokee I bought. I never once mentioned 0% financing until we had that agreed upon price........ I then told him I wanted 0% on the car for as long as a term as I could get, and or qualify for. He flat out told me 2 things.

1.) They WERE NOT offering 0% financing on any of the Grand Cherokee models they had in stock.

2.) Even if they were, he could not sell me that same vehicle for the same cash price we had just agreed on moments earlier.

This was your experience with one dealer, and I am telling you here on the east coast where there are a lot of high volume dealers/brokers it is possible to get a car at 0% financing for the same price as cash. Regarding cash, dealers are very reluctant to actually sell the car for cash because they are not making money on finance but again not the point of this post.
My point is a lot of dealers need to move vehicles to get the monthly bonus and a lot of them make just the "mini" this all depends on volume. So a lot of times they will even move a vehicle well below invoice just to hit the monthly bonus which will make up for way more than a few hundred $ loss on one vehicle. Your experience does not reflect others experience thats all I am trying to tell you.
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  #66  
Old 12-10-2015, 10:02 AM
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Re: first post, seeking advice from current owners!

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Originally Posted by rszwestko View Post
Your experience does not reflect others experience thats all I am trying to tell you.
Once again. So then myself, the AAA, and everyone else are all full of $h!t according to you?


"Guess what? The dealer raises the price of the vehicle by that same amount and tells you... This is the price that qualifies you for 0% financing".



Don't Fall for 0% Financing

Tips and Advice - Know the Facts: 0% Financing

The 0% Financing Scam and How to Avoid It
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  #67  
Old 12-10-2015, 10:20 AM
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Re: first post, seeking advice from current owners!

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Originally Posted by billt View Post
Once again. So then myself, the AAA, and everyone else are all full of $h!t according to you?


"Guess what? The dealer raises the price of the vehicle by that same amount and tells you... This is the price that qualifies you for 0% financing".



Don't Fall for 0% Financing

Tips and Advice - Know the Facts: 0% Financing

The 0% Financing Scam and How to Avoid It
Calm down tiger and I suggest you get out of your shell, by the way one of your outdated links do not work. Do you always get upset when someone has an opinion ? Do you get angry when you are wrong? I suggest you relieve some pressure by signing up for a kickboxing class or hot yoga plus you can mingle with others and maybe not get upset about it, its a process good luck with it.
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  #68  
Old 12-10-2015, 10:35 AM
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Re: first post, seeking advice from current owners!

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Originally Posted by rszwestko View Post
Calm down tiger and I suggest you get out of your shell, by the way one of your outdated links do not work. Do you always get upset when someone has an opinion ? Do you get angry when you are wrong? I suggest you relieve some pressure by signing up for a kickboxing class or hot yoga plus you can mingle with others and maybe not get upset about it, its a process good luck with it.
I'm not upset. This isn't my "opinion" of 0% financing. It's well established financial fact, that has been put forth by people far more educated on this matter than either you or I. If you choose to believe otherwise, in spite of what is readily available, accurate information on the subject, that is your prerogative. I could honestly care less.
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  #69  
Old 12-10-2015, 10:41 AM
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Re: first post, seeking advice from current owners!

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Originally Posted by billt View Post
I'm not upset. This isn't my "opinion" of 0% financing. It's well established financial fact, that has been put forth by people far more educated on this matter than either you or I. If you choose to believe otherwise, in spite of what is readily available, accurate information on the subject, that is your prerogative. I could honestly care less.
Established fact? its a marketing tool and if you are too stupid or desperate to fall for it then you deserve to pay more. If you play it right you will be ahead of the game. Obviously we are not going to agree, I'll let others chime in and their experience with 0% financing, I am sure there is someone out there that is allowed to disagree with you.
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  #70  
Old 12-10-2015, 10:54 AM
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Re: first post, seeking advice from current owners!

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Originally Posted by rszwestko View Post
Established fact? its a marketing tool and if you are too stupid or desperate to fall for it then you deserve to pay more. If you play it right you will be ahead of the game. Obviously we are not going to agree, I'll let others chime in and their experience with 0% financing, I am sure there is someone out there that is allowed to disagree with you.
You call me "stupid", then claim I'm the one who's upset? Really? Look, you obviously know more than everyone else. So at this point all we can do is be jealous of your vast knowledge that no one else possesses, and move on. Wondering in the process, why we weren't all so gifted and wise.
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  #71  
Old 12-10-2015, 11:03 AM
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Re: first post, seeking advice from current owners!

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Originally Posted by billt View Post
You call me "stupid", then claim I'm the one who's upset? Really? Look, you obviously know more than everyone else. So at this point all we can do is be jealous of your vast knowledge that no one else possesses, and move on. Wondering in the process, why we weren't all so gifted and wise.

Huh? Take some meds I am done with you. Don't speak for everyone else, it's just you.


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  #72  
Old 12-10-2015, 12:03 PM
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Re: first post, seeking advice from current owners!

Always establish the price of the vehicle, THEN tell them how you will be paying for it. They will NOT change the price of the vehicle just because they have some sort of special financing going on. Never go into a dealer telling them you are paying cash. With these incredibly low rates I personally don't see the point in paying cash, but thats just me and everyone is different. I would want that money in my account.
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