Is waiting worth it? (more time=lower price?)

MightyBobo

The doc fee is supposed to cover how much it costs for them to pay for their super custom papers (you know, those REALLY LONG forms that you don't see anywhere else but dealerships), and the documentation guys work. In reality, its just a way for them to cover some overhead. $100 is more than enough.

Your 2nd question can get complicated really fast, but in the case of the 370Z right NOW, whoever offers the better rate is most likely, the best candidate. That'd be Pentagon Federal, if you have the credit.

BUT, lets throw a wrench into the gears and give you an example where going with the dealerships loan may be better and/or easier.

- 0.0% financing is offered (no bank will ever offer that...)
- The dealership can match the rate offered by your bank, or sometimes beat it (rare for that, because the higher the rate they can get you, the more money they get as a kick-back. Also, PenFed's rates are so good, I mentioned them to the dealership and they simply laughed and said, "Yeah, we cant beat that - go with them".)

And here's a good example of a situation where going with a bank loan may be better

- Assume 0.0% financing is offered from the dealer. BUT, on the other hand, they also offer a $5000 cash off but with the standard shitty rate. You get to choose only one. Well in this case, its very likely that going with a lower APR bank loan may be better, and take that $5000 cash off rather than take the 0.0% loan through the dealership, and lose the $5000.

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I don't own a car anymore.