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  #13  
Old 04-08-2015, 06:33 PM
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What Should I Do ??

Better yet. The day you go in to sign the papers on you new GC. Introduce yourself to the sales manager. Tell him how excited you are to be buying your new vehicle from XYZ dealer. Let him know you've been Face booking and tweeting to all your pals down at the VFW hall, the Lodge, and any other imaginative club you can think of. Show him how excited you are and how wonderful his dealership is treating you. Have him take your picture in front of your new dream car....then watch him try to back out of the deal when you whip out your checkbook. Have some fun with it.


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  #14  
Old 04-08-2015, 06:55 PM
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Re: What Should I Do ??

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Originally Posted by Jsboening View Post
At your age shouldn't a credit check be sufficient?
I would think so. But as I mentioned, I haven't bought a new car in a while. I know there are a lot of people running around with bad credit these days. Especially since many have been financially devastated by the housing fiasco. I don't rightly know what these guys want for proof now a days?
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Old 04-08-2015, 06:56 PM
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Re: What Should I Do ??

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Originally Posted by Jsboening View Post
Better yet. The day you go in to sign the papers on you new GC. Introduce yourself to the sales manager. Tell him how excited you are to be buying your new vehicle from XYZ dealer. Let him know you've been Face booking and tweeting to all your pals down at the VFW hall, the Lodge, and any other imaginative club you can think of. Show him how excited you are and how wonderful his dealership is treating you. Have him take your picture in front of your new dream car....then watch him try to back out of the deal when you whip out your checkbook. Have some fun with it.
I like the way you think!
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  #16  
Old 04-08-2015, 07:06 PM
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Re: What Should I Do ??

I'm also thinking if they get a kick back from the financing, (which I'm all but certain they do), they will suggest that I finance, then pay it off in 30 days or whatever. If it involves them making a buck, they'll be all over it like stink on dog crap. I shouldn't have to suggest it. I'll just stroll on the lot with mama and the Poodle in tow, and play the role of the old fart looking to buy a new car. Maybe I should buy a pair of Canary yellow dress pants, and white patent leather shoes!
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  #17  
Old 04-10-2015, 06:07 AM
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Re: What Should I Do ??

Well after a long and stressful day, the 2015 Jeep Grand Cherokee HEMI is mine! We completed the deal, and I brought it home late yesterday afternoon. If feel I did OK on everything. The only thing I'm still uncertain about is the extended warranty I went with. It was a bit on the expensive side, but it really covers everything for an additional 7 years. It's the exact same vehicle in the link I posted.

I'll never drive this thing far enough to break out on mileage. They told me if I still felt uncertain and change my mind, I can cancel it before I pay everything off at the end of the month with no penalty or obligation.

They "threw in" 3 oil and filter changes for $75.00. Normally I do, and will continue to do, my own oil changes. But for $25.00 each, including labor, I just couldn't pass it up. Pennzoil Ultra Synthetic at my local Wal-Mart is $26.70 for a 5 quart jug. Add another quart, plus the filter and tax, and I'm looking at $40.00+ and change. So I'll let them do it for me cheaper. At least for the first 3 times.

The vehicle is outright gorgeous. For me, (a guy who hasn't owned a new car in 23 years), there is no other way to describe it. I feel so terribly ignorant about how to operate this thing. Man, have I got a lot to learn! I couldn't even figure out how to turn the radio off! What just impressed the hell out of me was how you can't even feel the thing shift under easy acceleration. But when you do hit it, has it got power! I'm really glad I went with the HEMI. It's a very impressive engine.

Now I've got some serious rearranging to do in my garage. This vehicle is way bigger than I though it would be. Cookie cutter subdivision builders should all be lined up and shot, for how damn small they build these garages they call "2 car". I can get both my truck and the new Grand Cherokee in, but it's a really close fit. The large side mirrors on both vehicles are what I have to really pay attention to. They just clear each other.

Now I've got to order a Dash Topper for it, and some of those nice Weather Tech floor and cargo covers. Later, I'm also going to check into getting a pair of nice chrome step bars for it. The only thing I'm not sure about, and want to look into is how they attach, because the Grand Cherokee is a unitized body, and not body on frame like a Yukon or a pickup.

Anyway I've got some washing and waxing to do. They did an OK job, but not what I would want to wax without giving it a good rewash. Overall I'm pretty happy. I'll be better after I get over the sticker shock. Or else get drunk!
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Old 04-10-2015, 06:37 AM
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Re: What Should I Do ??

That's great! I'm very glad you got the Jeep you wanted. Give the paint job a good clay barring before you wax it. You'll be amazed at the crap it will pull off of your paint job. Your wax job will feel super smooth and last longer as well. Congrats again on your purchase.


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Old 04-10-2015, 07:37 AM
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Re: What Should I Do ??

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Originally Posted by Jsboening View Post
That's great! I'm very glad you got the Jeep you wanted. Give the paint job a good clay barring before you wax it. You'll be amazed at the crap it will pull off of your paint job. Your wax job will feel super smooth and last longer as well. Congrats again on your purchase.
I was thinking about that, because I know for a fact that vehicle was sitting on the lot for at least a month or more. Because I'd been watching it on the dealers on line inventory. It was pretty dirty when they showed it to me. As I mentioned, they did an OK job cleaning it up. But not so good that I would go for a wax job without redoing it. I've never used a clay bar before. Something else I've got to learn. The list keeps getting longer!
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Old 04-10-2015, 07:43 AM
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Re: What Should I Do ??

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  #21  
Old 04-10-2015, 10:35 AM
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Re: What Should I Do ??

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Would it cost me anything to set the deal up with financing, then tell them I want to pay off the balance in 40 days or less? It would possibly be advantageous if I could negotiate a better deal, as long as I don't have to pay any finance charges other than one months interest. Especially if I could make that up in the deal, over say paying cash up front. It's going to cost what it costs after everything washes out.

I don't know how it works in AZ, but in my state you have a 45 day grace period before your first payment, so if you refinance or buy it out before the first 45 days, you wouldn't have a single payment...


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  #22  
Old 04-10-2015, 11:51 AM
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Re: What Should I Do ??

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Originally Posted by SRT6.4 View Post
I don't know how it works in AZ, but in my state you have a 45 day grace period before your first payment, so if you refinance or buy it out before the first 45 days, you wouldn't have a single payment...
Same deal here in Arizona. They have a name for it, but I forgot what they called it. (My head was spinning from information overload by the time I got out of there). I think it was called a ,"Back End Buy Out" or something like that. I'm not that familiar with financing lingo.

But you hit the nail square. Pay it off in 45 days or less and there is zero cost or interest. A bit like the ,"90 days same as cash", deal the electronic big box stores use to lure people in with, but with only half the time because of the much larger amount.
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  #23  
Old 04-10-2015, 12:50 PM
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Re: What Should I Do ??

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Is your buying it dependent on these investments? If not, why not buy it now with financing and then pay it off when you get your payout? You might be able to negotiate a bit better deal because the dealer may get a kickback from the financing deal. The interest from one month wouldn't be tremendous.
You'd want to make sure what the early pay off penalty would be in your state.
Any bank or the dealer should be willing to tell you this.

BTW, if you already know another dealer in the area and they know you, there may not be any need to buy this vehicle from the dealer with it on the lot--dealers swap inventory all the time. And if this dealer wouldn't swap, I'd be too annoyed to give them a penny and would just order one at any dealer you know and trust.

I prefer dealers with good service departments. If the showroom is bigger than the garage that isn't a good sign.

A good dealer would let you write a check for as little as $100 dollars and hold the vehicle for a reasonable period of time [that vehicle is THEIR investment, so look at it from their view]. If your investment tanks, you could then finance, or let that one go and order one.

First, do you belong to a company with affiliate pricing? Are you willing to join some group that would get you that? There are several articles here on groups that can get this for you.
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  #24  
Old 04-10-2015, 12:57 PM
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Re: What Should I Do ??

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Originally Posted by billt View Post
I would think so. But as I mentioned, I haven't bought a new car in a while. I know there are a lot of people running around with bad credit these days. Especially since many have been financially devastated by the housing fiasco. I don't rightly know what these guys want for proof now a days?
It honestly never hurts to ask. Or ask a loan officer at your bank, but let them know you don't really plan to finance with them unless they could beat a dealers interest rate. BTW, if your banker knows your situation, they could probably offer you a deal on a bridge loan [more common when buying/selling houses] that you could negotiate with the dealers.

Some loans have prepayment penalties, so unless you want a surprise, find out before you sign anything.
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