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I didn't really have any problems except for getting the interest rate low enough. I knew how much the car was, how much I wanted the minimum monthly payment to be, and what the maximum interest rate I was willing to borrow at. After some research I decided that my terms were reasonable and realistic. I went in and told the salesman what I was interested in, test drove the one I wanted then sat down to figure out the money. I did the standard paperwork to get an offer on financing, they came back with a crazy interest rate and payments I wouldn't afford. It was understandable since I'm so young and have almost no credit history. I pretty much just said I couldn't afford the payments. The salesman talked a bit, I just said basically the same thing. Then they cut the interest rate almost in half but it was still more than I wanted to budget for. At this point the salesman said they couldn't do any better and after 20-30 mins with no change I left. When I got home I noticed I had a couple missed calls(it's hard to hear your phone ring while on a motorcycle). The salesman left a voicemail saying that some corporate financing manager was visiting and wanted to meet me and approve a better deal (sure it was BS but I went with it). At this point I knew they really wanted to sell me the car, so we talked, I added a bit more to the down payment and got the interest rate/payments I wanted. Then I had my awesome new car. I didn't enjoy the haggling over the interest rate but it was worth it and honestly it really wasn't a big deal anyway.
I think most of the bad stories are people going into a dealership with unrealistic expectations about what is reasonable on both the dealers end and in terms of their own budget (I know of way to many people who bought cars that they really couldn't afford, at least not with out going broke every month)
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