Stealership playing games? 10% APR.

Airjago · 05-31-2015, 11:06 AM

OP, as many people have said, get a pre-approval at your bank so you can shove the high APR back in their face after you agree on a car value (although they might say it's only this price if you finance through them). Even then, I think you can just get your bank to pay off your loan (though it might affect your credit if you refinance too quickly(???)).

In my case when I bought mine, they gave me two options...
Low APR, but need to pay for a 3rd party warranty, or
High APR (like 5%) w/o warranty.

Pick low APR with warranty...cancel warranty within 60 days (no penalty/cancellation fee). Also pisses them off because then they'll have to pay back the commission they "earned" from selling an extended warranty. Just for reference in case you run into this tactic in the future.

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05-31-2015, 11:06 AM	#20 (permalink)
Airjago Base Member Join Date: Jun 2014 Location: MA Posts: 29 Drives: 2014 370z Rep Power: 12	OP, as many people have said, get a pre-approval at your bank so you can shove the high APR back in their face after you agree on a car value (although they might say it's only this price if you finance through them). Even then, I think you can just get your bank to pay off your loan (though it might affect your credit if you refinance too quickly(???)). In my case when I bought mine, they gave me two options... Low APR, but need to pay for a 3rd party warranty, or High APR (like 5%) w/o warranty. Pick low APR with warranty...cancel warranty within 60 days (no penalty/cancellation fee). Also pisses them off because then they'll have to pay back the commission they "earned" from selling an extended warranty. Just for reference in case you run into this tactic in the future.