Why won’t dealers let you pay with cash anymore? They refused to accept a check. Refused to let me wire the money. They insisted I go through their financing. It’s been awhile since I bought a car is this a thing now or did I just happen to come across the one dealer that doesn’t want to take my money?
>>29003550They don't make any money off of you if they don't get to bend you over with interest.
>>29003550Don't fall for the dealers game. Pay that cash baby or get screwed.
>>29003550Ever since the recession and cash for clunkers dealers want to make money off financing and not cash. The best you can do is to get the cheapest financing possible probably from a credit union then pay it back with the rest of the money you have. Blame Gen X who NEEDS to have a leased vehicle
>>29003552Can I legally force them to?
take the loan then just pay the bank in fullyou fuck them over and make them seethe this way
I've never had that problem. But my credit score remains well above 800 so maybe that's the real issue here.
>>29003550TWO REASONS.1) Anyone who can drop that kind of cash is probably a drug dealer.2) The dealer makes more money on the financing than they do on the vehicle sale. So naturally, they want the buyer to finance.
any transaction over 10k needs extra paperwork and reporting dealers want kickbacks from bankschecks are sketchy afwire transfers come with all kinds of retarded bullshit pushback from podunk "first wuejrofjdofnr credit union for teachers with autism" personal bankers who have never heard of your dealership personally so it obviously doesn't exist just take the financing (demand they give you another 750 off since you go through them) and pay it back as soon as you get the paperwork
>>29003550honestly anon, just take the financing, then pay it off the next day.then listen to the BIG MAD voicemail you get from the dealer where they cunt and whine and bitch and cry about having to pay back the points they got from the lender :)))))))))>>29003556this guy knows.
>>29003555Do you typically weaponize the law to force outcomes? Weird
fpbp. it's the interest op. >>29003555no, it's not like a normal consumer good where any money is good money once the transaction is complete. they will not complete the transaction until you agree to financing>>29003556banks have rules around this, they can charge penalties for early repayment or build interest into the principal. this is how they also offer "special LOW rates!!!" you borrow like 50k at 5% but you have a 10k fee on it and special rules saying interest payments count towards the fee and shit. or they just outright have clauses specifying penalties for not fulfilling the term>>29003575>wire transfers come with all kinds of retarded bullshit pushback from podunk "first wuejrofjdofnr credit union for teachers with autism" personal bankers who have never heard of your dealership personally so it obviously doesn't existskill issue, my country has country-wide transfers from bank to bank for freeit's literally just the banks wanting interest and the dealers getting kickbacks (or financing you themeslves, and wanting interest)
>>29003587Note the poverty dwellers who say "in my country" never mention where they're actually from.
>>29003587>or they just outright have clauses specifying penalties for not fulfilling the termI don't believe this to be a universal fwiw.wife's last job was at a smaller car dealership, and the sales goons would go absolutely ballistic if they had to pay back the kickback they got from the lender if it was paid off before 3months or so.i'd feel bad for them, but then i think back on an anecdote:>used salesman, devout christian>has a young couple with TERRIBLE credit, low income come in to look at a car>they come and look around at a very modest, very reasonable car>he directs them to one that's 2x more expensive>runs the deal through a few CU's>only brings back the one with the highest salesman kickback to juice his numbers, despite knowing that the APR was ~2% higher and there being other offers they could have taken.you do not hate car salesmen enough.
i went to buy an X3 for my wife a few months ago and my bmw dealer offered me 3k off if i financed, then pulled me aside and said i just have to keep the loan open for 3 months for them to get the full kickback. so i financed then paid all but 300 bucks when i got home and then made 3 hundred or so dollar payments over the next 3 months and got the title. everyone wins, i saved money, my dealer made money, bmw financial services lost money, and i'll continue to get preferential treatment at my dealer. no sense in complaining about it, just play the game and reap the benefits.
>>29003550Do goys genuinely go through dealerships as if that's the normal way to buy a car?
>>29003601>I don't believe this to be a universal fwiw.it's not but it's incredibly common
>>29003604stop stealing from isreal, bigot
>>29003575>any transaction over 10k needs extra paperwork and reporting It does not. I just sold my car for 80k+ the buyer paid all cash. We meet at the bank, I gave the teller the cash money and after she counted the money, it was instantly available in my account.There was zero paperwork and the buyer didn't even need to show his ID at the bank. Straight up the easiest transaction ever, even though I was freaking out at seeing that much cash.
Almost 40 with no credit score or debt. Driving my 7th car. You don’t need a credit score, you aren’t required to go into debt. Tell them to go fuck themselves. Actually do that, I would, it’s not a crime
>>29003550Last time I bought a car, there was a big disclaimer on the website saying that the price listed online was valid only for a cash sale and only if you called ahead to make a same-day appointment. I did all that and got the cash price (with a cashier's check--the bank doesn't let you write a normal check for 20 k$).
>>29003677dumb ass, it's a federal law. you don't do the paperwork, the bank does.
>>29003550>>29003555>Can I legally force them to?Yes, if it's under $5000/$10000 depending on your states, but it's illegal to do so.First get the price of the car without financing, in writing, this can be a finance agreement as long as it specifies the $$$ value of the car as sold.Take the car for a registered test drive before signing, and here's the illegal part... DO NOT RETURN THE CAR, STASH IT, offer them legal tender to the value of.If they don't accept the offer they'll likely call the police, explain to the please you've offered them legal tender to the $$$ value and they refused. Ask the police to make sure the dealership is aware that refusing legal tender in exchange for the debt, in this case the $$$ value of the car plus any written penalties for damage/loss of a vehicle during a test drive, may result in legal nullification of said debt.At this stage 90% of dealerships will accept the money and drop the charges.If they don't drop the charges you'll end up with a misdemeanor.If they push to court a judge will likely find in their favor, you'll either have to pay damages to the $$$ value (and keep the car), or they might force you to return the vehicle under threat of throwing you in jail (which you can appeal because you're not contesting charges and have continually offered to pay damages before the case even went to court). If the judge has recently been screwed over they may even find in your 'favour', you'll be found guilty but the other party will not be rewarded damages because they other party legally refused them (unlikely).
>>29003692court and a misdemeanor sounds like more of a pain in the ass than just buying the car
>>29003688If the bank is the only one doing the extra paperwork than it is no more difficultly passed on to the dealership to accept cash then. It becomes the bank problem and only the banks problem.
>>2900370610 minutes ago you didn't even know this law existed and now you're going to lecture people on how it works lol
>>29003587That's why you don't go to a bank and you instead go to credit unions. Banks pull that shit because they accept anyone with a pulse, a credit union giving you a loan is them already accepting you to pay off early
>>29003677it applies to businesses receiving 10k or morehttps://www.irs.gov/businesses/small-businesses-self-employed/form-8300-and-reporting-cash-payments-of-over-10000
>>29003766Sure, but if you aren't paying with dirty money that isn't an issue. You can still do it if you actually have the money.
>>29003550I bought a car from a dealer this year with a check ($35k), how many dealers have you been to?
>>29003550If they won't take cash, haggle them down hard with the bait that "if you meet X I'll finance through you guys" and then once they agree, do the financing and then just pay it off with a transfer. The upside to this is you negotiate to a lower price than what they'd probably give you for cash, but since they're not allowing cash anyways, you might as well scalp them back.
>>29003550Me mum just bought a used crv with a combination of a credit card and wire. Just depends on the dealer. Then she gave me her old honda! luv u mum
>>29003601>devout christianA Christian's only God is themselves.>"Surely, God hates all the same people I hate! Also, I get to do whatever I want because JEEBUS died for my sins, and by believing in JEEBUS, nothing I do can be judged against me!"Philosophically, I have to question, what does, "Believing in JEEBUS," even mean? What degree of coincidence does a person's mental model of "JEEBUS" have to have with any real thing named JEEBUS for the two to be considered to be equivalent? If I fervently believe that JEEBUS was a magical chimpanzee riding around on a pegasus, do I believe in JEEBUS?It's interesting to me that Judaism seems to have a resistance to devolving to a completely self-centered right-wing mindset which neither Christianity nor Islam share.
>>29003550The interest they make through financing is factored into their profit model.They will want to charge you extra on the sticker price if you don't let them jew you on financing.
>>29003679No you don't *need* credit score but the majority of people don't and won't have a life like yours, and rocking a clean 750+ leaves avenues open for in case some serious shit happens.It's also incredibly easy to build up to 750+ and never spend a dime on interest.
>>29003812Yeah, I went into a dealership and test drove a car only to be told the advertised price was the finance price and the cash price was higher.I walked out.
I've paid cash the last 2 cars what are you talking about? Cashier's check from bank to bmw and check from outside financing to Porsche.
>>29003810>Surely, God hates all the same people I hate! Also, I get to do whatever I want because JEEBUS died for my sins, and by believing in JEEBUS, nothing I do can be judged against me!"that sounds more like catholics where you just absolve yourself of your sins by confessing and all is forgiven. or...judaism, where you transfer all your sins to a chicken then kill it, thus absolving you of your sins.
>>29003810i'm not him, so no idea what was going through his mind, other than he was willing to completely dick over a young couple going through financial difficulties to make a bit more money. That's the only reason i mentioned him being christian.I will say you sound like a reddit atheist though, and fall into the progressive trap of thinking someone who is Christian (or religious, broadly) is somehow mentally inferior to your precious, enlightened self.
>>29003550Dealership and The Bank make like 30% more money off a financed sale vs a cash sale
>>29003860your daily starved for attention please validate me post
>>29003904>fall into the progressive trap of thinking someone who is Christian (or religious, broadly) is somehow mentally inferior to your precious, enlightened self.you are people who essentially believe ancient harry potter fanfiction is real please stop kidding yourselves
>>29004026lol
The total state of burgerland
>>29003550they have to do more paperwork if you pay with cash and baby don't like work
>why won't dealers take cash>pay cash>why are you starved for attention reeeeeMental illness
>>29003635How do God’s chosen people generally buy their cars?
I got told 3 cars were 'sold already' the moment I said I was a cash buyer the last time I bought a car. They don't want sticker price they want 10% financing against retards
>>29004218People who pay sticker price are either retarded or have so much cash it makes no difference to them anyways.
>>29004215they don't charge each other interest.
>>29004026>i'm smarter than isaac newton, thomas aquinas etcthank you for proving my point! reddit gold and 5 updoots for you good sir>tips fedora
>>29004026So stupid how people believe in things they can't see, or listen to other people telling them to believe. Don't they realize you can't do that unless it's called science and the people wear white labcoats?
>>29004218Which car are you getting an which brand of dealer? I've noticed that getting a car from the same brand as the dealers brand (ex. Getting a Ford from Assretard's Ford of tokepa) results in the never accepting cash for their brand's vehicles.
>>29003827many such cases
>>29004218They wont let you use your own financing either. If the dealership model is the only way to purchase new cars, then there needs to be laws that prevent them from forcing you into financing with them. Fuck this pozzed country.
>dealershipIf you’ve got cash just order one. Spec it how you want, then get it through the dealer. They’re financing their stock on the forecourt. The wagie on the desk doesn’t give a shit if you pay cash for a new order car
>>29003550I paid for my 2025 camry LE at the toyota dealer with a bank check just fine. The finance guy looked so butthurt as I did that and rejected all his offers for 'extended warranty' lol. Dumb fuck should be grateful I even bought new, would've bought used but couldn't find any good deals.
>>29003810>It's interesting to me that Judaism seems to have a resistance to devolving to a completely self-centered right-wing mindsetyou've gotta be trolling right?
>>29003692>jesse what the fuck are you talking about
>>29003560>1) Anyone who can drop that kind of cash is probably a drug dealer.Bruh... when you're so poor your entire worldview is poor lowlifes you can't even imagine ppl buying basic things like cars...Every single Californian can afford 10x cars in cash. The average home price here is like $5M+ in most nigbrohoods. If you can't afford to buy cars in cash you should not be thinking about cars, you should be groveling in the streets and slaving away until you can prove to society that you deserve to exist and have basic goods
>>29003550Just finance it.Make sure the loan doesn't have any prepayment penalties.Then pay it off after 90 days.That way the dealer won't get fucked by the loan and you pay almost no interest.Dealer won't make much money, but atleast you'd fuck over the bank
>>29004717your goal should be to fuck over the bank AND the dealer. they're both talmudic, vile entities that deserve whatever suffering you can inflict upon them and their bloodlines.
>>29004731incel post
I got a trade in offer for $15k for my wife's car at CarMax on our way to the dealership for the car she wanted. The guy still comes back with $11.5k as their trade in offer and tells me all the things wrong with it. Like nigger, I know what's wrong with it, and I know it's still worth $15k appraised 30 fucking minutes ago.Ended up putting a down payment out of checking account and selling the old car to CarMax, not gonna eat shit on $3500. Could I have made more private party? Possibly but I'm just not dealing with that.I financed it at 5.5% or something for 72 months. For all the cash geniuses, what do you think your $30k could turn into sitting in your investment account for 72 months making roughly 8% a year in the most basic bitch sp500 index fund? Or you could spend it all today on a car that's not worth that much anymore as soon as the paper is signed and goes straight down from there
>>29004737this post smells of latke
>>29004717You still get hit with loan origination fees and the first months interest which is always the highest btw
>>29004737Someday you'll be able to afford a car at a dealership lil bro
>>2900465680 years of nonstop attempted genocide by the Palestinians and the Jews are feeding 2.5 million of them every day so they don't starve as collateral damage from their response to HAMAS.That's taking "bleeding heart liberalism" a little too far. The center-left response would be that the Gazans should all die for their unrepentant Nazism. This differs in tone from the right-wing view that they should all die because: "they have no right to exist and we want their land."“If the Arabs put down their weapons today, there would be no more violence. If the Jews put down their weapons today, there would be no more Israel'”― Benjamin NetanyahuThe Arabs are the right-wing aggressors, and as we have seen when they DO put down their weapons (such as Egypt), the violence DOES end.Meanwhile Trump is trying to take Greenland and Cuba and arresting people out of embarrassment over algae growth. That's conservative Christianity, and when a religion holds that finding the colored eggs laid by an invisible 8 foot tall invisible rabbit will make your god come back to life, there's really no saying he's doing this "Christianity" thing wrong.
>>29003550They're Jews trying to Jew you. Use a loan calculator and see how much more you pay over the course of a loan. It's sometimes 4x as much.Then you take the loan and pay it off in a couple months and your credit score drops. Society is a scam.
>>29004749>letting your wife get rid of a perfectly good car to get the one she “wanted”lol. lmao even. as soon as* you’re done paying off that financing she’s going to want a new car. you’re playing yourself by playing along*before
>>29004792Not really. 2 months if payments isn't gonna hurt you much interest wise.1month is usually payment free anyways
