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Old 12-08-2013, 01:08 AM   #15
k.houan
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So I should go in without giving them knowledge of how much cash I'm willing to spend and just let them arrange financing? My credit isn't very good and I'm sure the finance would be terrible. Should I just take that and pay it off? Also, I want the car NEW is this possible for a 2013?

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Old 12-08-2013, 01:22 AM   #16
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Also, I want the car NEW is this possible for a 2013?

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Yes, it could help you bargain a lower price. However; your resale value will be lower than if you got a '14.
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Old 12-08-2013, 01:29 AM   #17
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If you're buying a new scion FRS, they will not go lower than the posted price (not MSRP), I got my FRS 1500 below MSRP. 27940 or something because theres a clearance for the 2013. After taxes, I got it for 30,XXX.

I would rather buy the FRS in a full out cash payment because financing the car means more money for the dealer as Scion's Pure Pricing will not allow them to go below the posted price.

If you pay for the full cash amount, the dealer doesn't earn money from interest.

If you have poor credit, do not finance the car, the interest rate is roughly 15% for poor credit people.


Just go into the dealership, find the car you want, sign the papers, pay for the car, drive off.

There are no negotiations to be done. Avoid all the extras...they offered me a 1000 dollar plan for an additional 2 years of maintenance.... wow LOL
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Old 12-08-2013, 03:28 AM   #18
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Also from Clovis/ Fresno area!

#1 Go to Micheal Toyota; they sell shit tons of cars and are the ones who aren't going to pull bullshit tricks. (experience my family bought 3 cars from there, freinds have bought a few there as well)

The other guys are terrible, and will have you waiting around.

Also I'd suggest making a large down and then do payments for tax purposes always nice way to boost credit and show expenses

GL dude, hopefully I'll be picking up a white 6MT soon too!
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Old 12-08-2013, 03:36 AM   #19
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If you are trying to keep it as cheap as possible, buy used. Buy from someone who just bought the car and realized they "made a mistake" for some reason. That will help with some of the depreciation and that will be about as cheap as you can get one.

I also like @chulooz idea except for with bad credit like you mentioned you had, you won't get a low enough interest rate to justify not just buying it out right or paying it off in a year (this will build up credit quickly). If you choose to go payments, find a credit union to get a better rate. DO NOT go through the dealer.
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Old 12-08-2013, 03:47 AM   #20
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Haha. But i don't believe they have the exact car I want at my local dealer, would I be able to order one to my specs? How does this work? And any idea on out the door price with no options? I'm hoping to get one for 25k or less.

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Google an Auto Broker tell him about the car your looking for and that you'll be paying cash and sit back and wait a few days. He'll come back to you with the car you desire for a price the Dealer won't touch.
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Old 12-08-2013, 04:13 AM   #21
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You are going to face the "Pure Price" Scion policy. http://en.wikipedia.org/wiki/Scion_(automobile)
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Old 12-08-2013, 04:39 AM   #22
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Walk in, throw money in the air and pimp slap the dealer
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Old 12-08-2013, 04:49 AM   #23
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Walk in and be like

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Old 12-08-2013, 10:20 AM   #24
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Ill sell you my firestrom with only 4k miles for 25.5k. I owe 26.5 but ill take care of the difference. Car has been garaged and babied since day one. Never seen rain, only Florida weather.
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Old 12-08-2013, 10:35 AM   #25
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Walk in and be like

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Old 12-08-2013, 10:44 AM   #26
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cash means nothing at a car dealership, if anything it hurts you. Also scions are 1 price only so close this thread and move on...
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Old 12-08-2013, 11:12 AM   #27
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cash means nothing at a car dealership, if anything it hurts you. Also scions are 1 price only so close this thread and move on...
Unless of course he wants to add options to it.
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Old 12-08-2013, 11:15 AM   #28
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if you make payments u can build up your credit faster.. but you wont get a good rate. id just pay it a year then pay it off...
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