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Paying Cash for a vehicle #1244177
01/28/15 12:05 PM
01/28/15 12:05 PM
Joined: Dec 2009
Posts: 1,457
B'ham/Gardendale
Fireman12 Offline OP
8 point
Fireman12  Offline OP
8 point
Joined: Dec 2009
Posts: 1,457
B'ham/Gardendale
My wife was in an accident last week(someone hit her from behind) , all she had was a busted up lip. Thank God for that.

The car is probably totaled and we will receive a settlement. We havnt had a car payment in 3 years and I'd like to keep it that way by getting something about the same value as the one we lost.

My question is, how much leverage do you have at a dealership if you plan on paying cash in full? For instance a vehicle listed for $12,900 and I'd be willingto pay 11,000.

Is that feasible?

Last edited by Fireman12; 01/28/15 12:05 PM.

There are no rainy days...
Re: Paying Cash for a vehicle [Re: Fireman12] #1244178
01/28/15 12:06 PM
01/28/15 12:06 PM

S
steelman
Unregistered
steelman
Unregistered
S


Glad she was ok, Cash always talks thumbup

Re: Paying Cash for a vehicle [Re: Fireman12] #1244179
01/28/15 12:08 PM
01/28/15 12:08 PM
Joined: Nov 2014
Posts: 1,787
Cullman
Z
Zkd22 Offline
8 point
Zkd22  Offline
8 point
Z
Joined: Nov 2014
Posts: 1,787
Cullman
If they wouldn't come down to 11k for you I would shop elsewhere. They probably own it for 6-8k

Re: Paying Cash for a vehicle [Re: Fireman12] #1244180
01/28/15 12:09 PM
01/28/15 12:09 PM
Joined: Jun 2014
Posts: 338
miss/ala
P
pab Offline
4 point
pab  Offline
4 point
P
Joined: Jun 2014
Posts: 338
miss/ala
All they can do is say no, go for it.

Re: Paying Cash for a vehicle [Re: Fireman12] #1244182
01/28/15 12:10 PM
01/28/15 12:10 PM
Joined: Dec 2009
Posts: 1,457
B'ham/Gardendale
Fireman12 Offline OP
8 point
Fireman12  Offline OP
8 point
Joined: Dec 2009
Posts: 1,457
B'ham/Gardendale
Thanks, me too! Im still fairly young and have only bought 1 vehicle that I'm still driving today. My wife's car was the same car she drove in college. So we are pretty green at the haggling game.


There are no rainy days...
Re: Paying Cash for a vehicle [Re: Fireman12] #1244183
01/28/15 12:11 PM
01/28/15 12:11 PM
Joined: Feb 2010
Posts: 547
stapleton
fromthedepths Offline
4 point
fromthedepths  Offline
4 point
Joined: Feb 2010
Posts: 547
stapleton
It's been awhile but I once bought a truck that had $10,000on it and walked away paying $6800 cash.

Re: Paying Cash for a vehicle [Re: Fireman12] #1244184
01/28/15 12:11 PM
01/28/15 12:11 PM
Joined: Oct 2013
Posts: 1,173
Helena
J
jnall Offline
6 point
jnall  Offline
6 point
J
Joined: Oct 2013
Posts: 1,173
Helena
just try and see what they will do. Take it in a brown paper bag.


White Raptor
Re: Paying Cash for a vehicle [Re: fromthedepths] #1244189
01/28/15 12:13 PM
01/28/15 12:13 PM
Joined: Dec 2009
Posts: 1,457
B'ham/Gardendale
Fireman12 Offline OP
8 point
Fireman12  Offline OP
8 point
Joined: Dec 2009
Posts: 1,457
B'ham/Gardendale

Originally Posted By: fromthedepths
It's been awhile but I once bought a truck that had $10,000on it and walked away paying $6800 cash.

That's pretty awesome.


There are no rainy days...
Re: Paying Cash for a vehicle [Re: Zkd22] #1244191
01/28/15 12:14 PM
01/28/15 12:14 PM
Joined: Dec 2001
Posts: 35,427
Missouri
swamp_fever2002 Offline
Administrator
swamp_fever2002  Offline
Administrator
Joined: Dec 2001
Posts: 35,427
Missouri
Originally Posted By: Zkd22
If they wouldn't come down to 11k for you I would shop elsewhere. They probably own it for 6-8k


or less


It takes a long time to grow an old friend.
Re: Paying Cash for a vehicle [Re: Fireman12] #1244194
01/28/15 12:19 PM
01/28/15 12:19 PM
Joined: Oct 2012
Posts: 10,501
Central, Al
Bustinbeards Offline
Booner
Bustinbeards  Offline
Booner
Joined: Oct 2012
Posts: 10,501
Central, Al
I'd start at about half of what they want and go from there. and would make sure they know I have CASH in hand and am going to buy a car Today, from them or not...


Originally Posted By: Wiley Coyote
Well, the way I see it is there's just too many assholes
On a good day there's a bunch of assholes in here. On a bad day there's too many assholes in here.
Re: Paying Cash for a vehicle [Re: Fireman12] #1244208
01/28/15 12:28 PM
01/28/15 12:28 PM
Joined: Aug 2014
Posts: 19,982
Northport, AL
GomerPyle Offline
Impatient Stinky Britches Wearin’ Off-Roadin’ Guru
GomerPyle  Offline
Impatient Stinky Britches Wearin’ Off-Roadin’ Guru
Joined: Aug 2014
Posts: 19,982
Northport, AL
Cash vs outside financing, they won't give a damn one way or another, either way THEY get paid in full when the car leaves the lot.

Now Cash vs Dealer financing, it just depends. some would rather have the cash, and some would prefer you to finance it b/c they make money off the interest. just depends on the dealer. but my guess is paying cash is a lot LESS of a bargaining tool than it might've been a long time ago.


There are 3 certainties in an uncertain world:

1. All Politicians Are Liars
2. All Gun Laws Are an Infringement
3. Taxation Is Theft
Re: Paying Cash for a vehicle [Re: Fireman12] #1244209
01/28/15 12:28 PM
01/28/15 12:28 PM
Joined: Nov 2009
Posts: 5,035
central alabama
J
JA Online content
pic perv
JA  Online Content
pic perv
J
Joined: Nov 2009
Posts: 5,035
central alabama

I like your idea. Never pay interest on a depreciating asset.

Make them an offer and if they turn it down, go elsewhere.

Re: Paying Cash for a vehicle [Re: Fireman12] #1244211
01/28/15 12:32 PM
01/28/15 12:32 PM
Joined: May 2002
Posts: 8,030
Central Alabama
M
muzziehead Offline
14 point
muzziehead  Offline
14 point
M
Joined: May 2002
Posts: 8,030
Central Alabama
Cash means nothing to the dealer. They are going to their money the second you sign on the dotted line, whether you hand to them or the bank hands it to them. You can get financing on a car for anywhere from 0%-3% now a days. I don't know your debt situation, but if you anything that has a higher interest than that, you would be smart to pay that extra money towards that debt and finance a vehicle. Just my .02 worth. I don't use credit cards and like you I don't like car payments but you just have to look at all your options.


"Don't cling to Mistake, just because you spent a lot of time making it."
Re: Paying Cash for a vehicle [Re: Fireman12] #1244217
01/28/15 12:38 PM
01/28/15 12:38 PM
Joined: Aug 2014
Posts: 19,982
Northport, AL
GomerPyle Offline
Impatient Stinky Britches Wearin’ Off-Roadin’ Guru
GomerPyle  Offline
Impatient Stinky Britches Wearin’ Off-Roadin’ Guru
Joined: Aug 2014
Posts: 19,982
Northport, AL
Your best bet in finding a good "cash deal" on a car is a private sale. find what you want and lowball the chit out of them - show them the wad of cash and tell them you're willing to pay $X right now, and (this is the super important part) be totally willing to walk away from the deal if they say no. (but make sure they know how to contact you when they change their mind).

some people look down on making lowball offers, some sellers get offended when they receive a lowball offer. They shouldn't; it's not personal, it's just business. you can do so without being rude, just tell them "This is what I'm willing to pay; If you can't go that low, I understand."


There are 3 certainties in an uncertain world:

1. All Politicians Are Liars
2. All Gun Laws Are an Infringement
3. Taxation Is Theft
Re: Paying Cash for a vehicle [Re: Fireman12] #1244220
01/28/15 12:41 PM
01/28/15 12:41 PM
Joined: Dec 2009
Posts: 1,457
B'ham/Gardendale
Fireman12 Offline OP
8 point
Fireman12  Offline OP
8 point
Joined: Dec 2009
Posts: 1,457
B'ham/Gardendale
Thanks for the replies fellas. Good info.


There are no rainy days...
Re: Paying Cash for a vehicle [Re: Fireman12] #1244221
01/28/15 12:41 PM
01/28/15 12:41 PM
Joined: Jan 2005
Posts: 23,871
Clarksville, TN /Greenville, ...
bill Offline
Freak of Nature
bill  Offline
Freak of Nature
Joined: Jan 2005
Posts: 23,871
Clarksville, TN /Greenville, ...
If your going to buy it go in on the last day of the month and offer 9k and walk out when they counter higher. Stick to your guns until they let you leave. If they let you leave you will know you bought it as cheap as possible. Do not leave them a number to call you. Let them know you are buying something that day.


"Political debate: when charlatans come together to discuss their principles"
-
Bauvard
Re: Paying Cash for a vehicle [Re: Fireman12] #1244241
01/28/15 12:56 PM
01/28/15 12:56 PM
Joined: Dec 2009
Posts: 9,515
Trussville
T
toothdoc Offline
14 point
toothdoc  Offline
14 point
T
Joined: Dec 2009
Posts: 9,515
Trussville
Don't be concerned with offending them. It's only business. They will not sell it at a loss. If you are buying from a dealership, I would hold the cash payment as an ace in the hole until you get to the very end of the negotiation. Dealerships make a lot of money on their finance department and would probably rather finance it honestly. Pull out cash at the end and say, "This is what I'm willing to spend today. Am I leaving here with a car or not?"

Re: Paying Cash for a vehicle [Re: Fireman12] #1244243
01/28/15 12:57 PM
01/28/15 12:57 PM
Joined: Jul 2003
Posts: 12,867
In a Van, down by the River
quailman Offline
Booner
quailman  Offline
Booner
Joined: Jul 2003
Posts: 12,867
In a Van, down by the River
Cash always makes a difference. Just don't mention it up front.


Life is a journey. Make sure and bring plenty of Beer.

My luck has been so bad lately, it could be raining pussies and I'd catch one with a dick broke off in it.
Re: Paying Cash for a vehicle [Re: GomerPyle] #1244247
01/28/15 01:01 PM
01/28/15 01:01 PM
Joined: Dec 2009
Posts: 9,515
Trussville
T
toothdoc Offline
14 point
toothdoc  Offline
14 point
T
Joined: Dec 2009
Posts: 9,515
Trussville
Originally Posted By: GomerPyle
Your best bet in finding a good "cash deal" on a car is a private sale. find what you want and lowball the chit out of them - show them the wad of cash and tell them you're willing to pay $X right now, and (this is the super important part) be totally willing to walk away from the deal if they say no. (but make sure they know how to contact you when they change their mind).

some people look down on making lowball offers, some sellers get offended when they receive a lowball offer. They shouldn't; it's not personal, it's just business. you can do so without being rude, just tell them "This is what I'm willing to pay; If you can't go that low, I understand."
I buy and sell a lot of used cars and this is the best approach. Be very nice and say I understand this is less than you were hoping to take, but I'm here with the money today and this is what I'm willing to pay. If they say no thanks then walk away. It's just a car and there are thousands of others. 9 times out of 10 they will call you before you get a mile down the road and say they will take your offer.

Re: Paying Cash for a vehicle [Re: Fireman12] #1244254
01/28/15 01:08 PM
01/28/15 01:08 PM
Joined: Dec 2009
Posts: 1,457
B'ham/Gardendale
Fireman12 Offline OP
8 point
Fireman12  Offline OP
8 point
Joined: Dec 2009
Posts: 1,457
B'ham/Gardendale
We def will take a look at the private sellers market. Thank you guys for the advice.


There are no rainy days...
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