Excursion vs Suburban 2500
Junior User
Joined: Apr 2017
Posts: 57
Likes: 1
My credit union loaned me up to the max and I payed the rest in cash, couple of thousand. My EX has miles on it but everything else on it is pristine. I couldn't pass up using the banks money. I only bought mine about 4 months ago but for 1.5 percent over 4yrs, I couldn't turn it down. I had ot come up over that time so I went ahead and got out of the payments. I have to say, I love it and my son love's it more then I do. I should have gotten one a lot sooner.
Cargo Master
Joined: Mar 2011
Posts: 2,066
Likes: 4
From: North Texas
A lot of the buy here pay here lots won't negotiate on price at all. They prefer to kill people with subprime loans, but they aren't in the mood to negotiate even for a cash out the door price. The money is in the financing. There is no shortage of people shopping a vehicle by monthly payments alone. The major dealerships have realized this and keep everything now, driving up used prices even more. They used to send older things to auctions and you would then find them at local used car lots, but those are drying up from what I see.
Super Moderator
Joined: May 2004
Posts: 29,380
Likes: 118
From: Central Coast of CA
I'm just here to people watch.
I know sometimes I provide a laugh and a little entertainment, but that only happens when I deign to lower myself to steerage level *sniff*
Stewart
Post Fiend
Joined: Feb 2011
Posts: 26,410
Likes: 6
From: Ft. Lauderdale, FL
Russ happy to see such a young guy has his crap together!
Dealers make money on the finance side, so with that said cash is not king when purchasing through a dealer.
I buy 2 sometimes 3 cars yearly, I never discuss a cash payment (full payment) until the out the door price is established and agreed.
I didn't follow this on my last excursion purchase, but lucky for me the Ex was the dealer owners private car. In this case cash was king
Super Moderator
Joined: May 2004
Posts: 29,380
Likes: 118
From: Central Coast of CA
I grew up watching my dad buy cars. I dunno why he didn't leave me at home, but I remember being with him a lot. I can't remember how old I was, but there was one time during the negotiation process when I realized the salesman kept trying to steer my dad back to monthly payments, and my dad kept talking price of vehicle.
One of the things my parents stressed as we were growing up was to ask questions in private if at all possible, so when the salesman took the latest offer to his boss, I asked pop what was what. That's when I understood more of the game, and to always negotiate OTD price, because my dad said he decided what his monthly payments would be, depending on how much he wanted to finance and for how long.
Eventually pop got to the point where he didn't finance any part of the purchase of the vehicle and just bought them outright.
Stewart
One of the things my parents stressed as we were growing up was to ask questions in private if at all possible, so when the salesman took the latest offer to his boss, I asked pop what was what. That's when I understood more of the game, and to always negotiate OTD price, because my dad said he decided what his monthly payments would be, depending on how much he wanted to finance and for how long.
Eventually pop got to the point where he didn't finance any part of the purchase of the vehicle and just bought them outright.
Stewart
Bleed Ford Blue
Joined: Apr 2009
Posts: 13,578
Likes: 157
From: Anchorage Alaska
This is actually good practice ^^^^^^^
Russ happy to see such a young guy has his crap together!
Dealers make money on the finance side, so with that said cash is not king when purchasing through a dealer.
I buy 2 sometimes 3 cars yearly, I never discuss a cash payment (full payment) until the out the door price is established and agreed.
I didn't follow this on my last excursion purchase, but lucky for me the Ex was the dealer owners private car. In this case cash was king
Russ happy to see such a young guy has his crap together!
Dealers make money on the finance side, so with that said cash is not king when purchasing through a dealer.
I buy 2 sometimes 3 cars yearly, I never discuss a cash payment (full payment) until the out the door price is established and agreed.
I didn't follow this on my last excursion purchase, but lucky for me the Ex was the dealer owners private car. In this case cash was king
I learned my negotiating practice from my Grandpa. He's old oilfield who retired as a senior VP so he's done a lot of deals and knows how to read the situation and people very well.
The two times I did deal with dealers (2 of my Ex's) it was hit them low, below my target number and have them hit back where I wanted and it worked. Now since I deal with the fleet people at work if I was to ever buy again that's how i'd go about it, no fuss and it's people I deal with multiple times a day.
Sorry to get OT. On subject they must have sold a ton of those 3/4 ton Suburbans up here before they quit making them, I see like 7 a day!
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