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414,027 Views • Sep 4, 2023 • Click to toggle off description
Views : 414,027
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Uploaded At Sep 4, 2023 ^^
warning: returnyoutubedislikes may not be accurate, this is just an estiment ehe :3
Rating : 4.828 (594/13,233 LTDR)
95.70% of the users lieked the video!!
4.30% of the users dislieked the video!!
User score: 93.55- Overwhelmingly Positive
RYD date created : 2024-08-06T03:49:33.175375Z
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YouTube Comments - 444 Comments
Top Comments of this video!! :3
The dealer arbitrarily changes the rules. That's how they make their money. The dealership model is a drain on our economy and needs to be wiped out and thrown away.
401 |
What they need to do is start selling directly to the consumer. No more middle man.
189 |
Car sales people are the worst. No wonder they get so much hate. They lie, cheat and steal from honest people needing a car. Can’t stand them.
94 |
Funny, they tried that on me 20 years ago.
Pre approved by the bank for msrp of truck I wanted to buy. Negotiated 3.2k under msrp and they offered to drop price by another 1k if I financed with them, so I said ok. There interest rate was 6.9%, my secured loan was 2.7%, good old days.
With in 30 days my payment book arrived and I called the dealer finance office to ask what the payoff amount would be if I paid it today. Went to the bank, obtained the loan and transferred funds into my account. Sent in my first and only payment to the dealership and got a 1k discount, and a lower interest rate.😅
160 |
Get pre-approved from your bank before you walk into the dealership.
140 |
I had this happen yesterday at the dealership , Dealer said we’re approved for 4.9 apr % which isn’t bad at all for current times.
I finally got them to show me the approval paperwork & found out I was also approved for 0% apr 60 months.
21 |
Never finance a car at a dealership …get pre approved by a bank for a spending limit and negotiate a cash out the door deal…better yet pay cash for a car you can actually afford…
30 |
I used to work for a bank in the car lending division. This is 100% dead on. Most markup was .5 to 1% on the loan. My dealers were making well over $1,000,000/year on the “retention rate”. Bring your own lender, best case it will help you negotiate with the dealer.
6 |
As I'm starting to learn early on you have to make sure that these dealers actually called your bank... I have Capital One and I was prequalified and I heard that what a lot of dealers do to us customers who get pre-qualified the banks. The dealerships will lie and say that we weren't approved by the bank when they never called it in the first place period. We have to be on the Dealer's ass because they're not getting us the best rate available for us. They're getting the best rate available for them for their pockets/profits.
18 |
Im working at the largest bank I can tell you how it works.
1. Underwriter doesn't give a sht how much dealer interest rate on the deal (ive seen high as 17% APR)
2. Dealers will put aftermarket shit to make the amount finance high as fuck.
3. If a deal is 17% APR bank allows the dealer to do a mark up
Example.
Deal APR is 17%
Bank Buy Rate is only 14.5%
That means dealership will take a huge slice of pizza @ 2.5% (most bank limit its mark up)
4. Bank is not required to disclose the buy rate.
2 |
There has to be some way it’s against the law for these dealerships to flat out lie. We have to demand to see their paperwork to get the truth? I cannot wait until we can really buy direct.
21 |
If it’s illegal for dealerships to do things like change rates based on options packages, how can we common folk protect ourselves up front or with repercussions post-purchase??
Are there attorneys who specialize in this?
24 |
Call the bank directly. A nissian dealership tried to do this to me but they were taking forever and i got pissed off thinking the bank was the problem so I called them. They told me "you were approved hours ago at this interest rate" I went and told the sales guy i expect the contract to reflect what the bank rep told me and i could see him get really annoyed. Secure financing BEFORE going to the dealership.
4 |
Absolutely correct. My dad was a Chevy dealer in Chicago. He ran the business office (f&i). More revenue from that office than from sales, service and parts COMBINED.
2 |
Y'all need to do a more lengthy video on this topic.
37 |
This is exactly why I bring my own financing when purchasing anything. My most recent purchase was a good deal ship in La grange Tx that was honest and upfront about the interest rate I would get if I financed through them. The sales person told me I was better off going through my bank based on what he has seen over the past few months.
6 |
I’m Canadian and our dealerships do not do this… I was approved for the 0.95% financing before Covid and received that rate! Literally the guy called to verify my details… then called back 5 minutes later saying I’m approved at that rate!
5 |
STEALERSHIPS are CROOKS !
13 |
Dealers are NOT required to disclose the approval sheet to customers, however, telling a customer that you can lower their rate contingent on them buying a product is violation of federal lending laws, one being reg z
2 |
@ucats98able
1 year ago
That is why I don't finance through the dealership. I always go through my local bank or credit union.
451 |