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OR TO UNSUBSCRIBE Remove< 12345 6 7891011121316 > 1,392 posts, read 1,886,367 times Originally Posted by North Beach Person I get that, but again, I ALREADY HAD FINANCING SET UP. I didn't need them checking my credit as I wasn't going to be applying for their financing. All they had to do was take my loan check and call it a day. But from the other responders, I'm getting the gist that the financing is more important than the sale for some dealers. I guess that's how it is. Originally Posted by Pyramidsurf It was a Toyota Camry so that might be the reason. 25,197 posts, read 29,695,713 times Originally Posted by biafra4life Is that part of the Patriot Act too?I was merely answering your question which I bolded. At the end of the day I don't give a rat's ass how you finance your car. I think you were foolish to walk out over them trying to get you to finance your car with them. It could have all been forestalled had you just said, "I'm ready to buy this car.

Are you ready, now, to sell it to me?" You get your credit checked for a bunch of different reasons. I think you mentioned that the dealer actually could beat your outside deal. How much would that have saved you over the life of the loan? 1,926 posts, read 877,974 times I hardly think it is foolish. Some of us aren't willing to play dealer games. I will go with my own financing 100% of the time. Dealers are reputed to have clauses in their finance contracts which are not consumer friendly. Why even take the risk? Bring your own cash and cut them out of the deal. They don't like it? There's another dealer who will deal with you. Originally Posted by ormari They had the exact car he wanted. Apparently there isn't another dealer with what he wants. I have to wonder what you guys do to have so much trouble at dealers. I've been buying new cars (and some used ones) for 40 years and have never had the issues some of you seem to have every time. I've had my own financing and used the dealer financing (actually the last truck I bought last year the financing came through the dealer.

Neither my credit union nor my bank could match it. In fact they even steered me from Ford Credit which was a couple points higher than Wells Fargo.) I've also paid full cash a few times. Never have I had the issues some of you have on a daily basis. If the dealer makes a couple bucks handling the credit, so what? As I said, all he had to say was that he was ready to buy the car and were they ready to sell it. motorcycle repair bellinghamHe would have been out the door with it in 30 minutes.motorcycle sidecar for sale in texas 922 posts, read 527,000 timesmotorcycle sales joliet il Just because MSRP is $25k doesn't mean that's what the dealer paid. motorcycle helmets shop in dubai

They pay invoice, which is less than MSRP. So dealer paid $2,236 under MSRP. Whats more, this car is selling for $23,627, which means a profit of $9 per car. So how do they make money? Not only do they get kickbacks from banks but they also jack up the rates to keep the interest for themselves. Cars bring in the customers but it's financing that makes them money. Do you now understand why they don't care if a cash buyer walks? 12,932 posts, read 7,403,208 times Originally Posted by mangoarrow They also get paid by the manufacture for number if units sold Sorry man, I wasn't trying to yell at you. I was trying to put in extra emphasis (should have just bolded the words instead ). I guess it was a new experience having the sales guy go from friendly to angry confrontational beast once he discovered I had my own financing. This is my first time buying a car from a dealer. My first car which I bought in 2006, was an 01 Camry that I bought cash (and still chugging along 9 years later).

Due to the rock bottom interest rates I was getting, after buying my wife's car, I though why not, and buy myself a new car too, but now, eff that. I'll just continue driving the 01 Camry, try to squeeze out a few more years out of it ("only" 212,000 miles right now), save up some money and buy my next car cash again. Yep, my wife made a face when she heard that. 13,351 posts, read 13,097,400 times Invoice is not even what the dealer paid for the car ... there's holdback and other mechanisms that increases their profit margin. They make more than $9 even w/o financing. Heck, they have to pay the sales man $50-100 for a "mini" deal. 2,985 posts, read 1,507,157 times However, laws designed to combat money laundering by terrorist organizations do require dealers to check the identification of customers paying more than $10,000 in cash and to report those transactions to the Internal Revenue Service on Form 8300. Paying with a cashier's check, money order or traveler's check also qualifies as a cash transaction, according to the IRS.