You just have to stand your ground, be firm, and walk away asap if they try to talk you into spending more money.
There is a difference between trying to buy a $10,000 car & then being told that they'd like you to pay $4,000 more for extra crap, than just going into a dealer and only offering a portion of the car's purchase price.
It does not work that way with the new market. The cars are set at particular MSRPs for a reason.
I'd start with some low offer, knowing they'll say no, ask them what their counter-offer is, then I'd take a deep sigh and offer what I intended to offer (making it seem like they're breaking me down mentally even though I am totally ok with my offer) and if they say no to that, simply walk away. They will call you back or run outside to catch you and talk to you. People aren't breaking down doors to buy new cars.
Have you ever bought a new car before? It may work like that with used cars where you can always bring up various things like condition, mileage, service records to haggle with, but new cars are a bit of a different game.
I can not go into Classic saying, I will give them $45K for a $50K car. They will just say no and at the bare minimum want $49K b/c they'll make that last grand back.
Financing a car is just something I'm not okay with. 9/10 times it's rape. You pay with cash, you avoid hidden BS charges and other garbage.
No 🤬. That's why
they prefer financing to begin with. They make more money off those "BS charges & other garbage".
The problem is, cars cost a lot of money (unless you live in the $10K & under market), money a lot of people don't have on hand. Now, you could say they shouldn't be buying those $20K+ cars to begin with, but if everyone thought like that, said cars wouldn't be worth building to begin with if nobody has the money to afford them. That's why dealers offer financing, & why there's interest. You can't technically afford that car, but if they give it to you for a monthly payment that you
can afford, a lot of people will accept it. That's why there's interest & that's where the dealer makes money; they're going to let you have that car anyway, even though you haven't paid for it, completely.
If this kind of deal wasn't around, $50,000+ cars would be as rare as Ferraris & Lamborghinis b/c most people just don't have that much money on hand to spend.
Pay once and be done with it or enjoy a $300 a month car payment on top of $100 insurance a month on top of your rent, your cell phone, your electric, your cable, etc. I don't know about you, but I have ENOUGH bills.
That's because you can't afford the financing to begin with. If you're someone who prefers to pay everything up front, you're either
A: In the used market of cheap cars or
B: Making enough money where the purchase doesn't affect you in the slightest.
For everyone else, myself included, a large portion of the new car market exists over $20,000. And if my guess if right (& I'm positive it is), the majority of Americans (or probably most people in general), don't have $20,000+ just lying around to be dropped on a car. That's why with financing, you just make a monthly payment depending on how your credit determines the cost.
Seriously, if financing bothers you this much on a car, then I'm assuming you're nowhere in the market for a home to call your very own.
I hate seeing half my paycheck go to waste for necessities. Car payments are not a necessity, therefore why would you willingly take on another bill?
Because like many Americans, we can afford to take on the monthly bills. Or you can't afford it, but whoever is doing the financing gives it to you anyway....
.
