Ford invoice price12/6/2023 My 2012 I got in 2015 obviously used and I am at 1.89% through Mission Federal Credit Union. Just tell them you want to focus on the PRICE OF THE TRUCK, you have your own financing.Ĭredit Unions are likely to get you the best rate. ![]() Don't answer the question about "per month". ![]() Not ever let them ask you "what do you want to pay per month".ġ. I worked for Capital One Auto Finance before and while I was there (IT guy) I learned that you should (as stated above) not muddy the waters with a trade-in. Negotiate the lowest rate possible and do your research first (of what your credit unions and captive financing rates are) You may get more at a place like Carmax and can take that cash to your Ford dealer for a down payment.Ĥ) Talk financing if applicable - and only discuss length of financing and interest rate - never tell them what you want your payment to be.that's how they jack you around on interest rates. This is how I do it:ġ) Negotiate new vehicle price from invoice, not MSRP, and try to get below invoice to around $500 over invoice depending on how much inventory and local competition the dealership has - a lot of dealers give you part of their holdback which can get you below invoice.and make them show you the invoice.if they won't, go somewhere else.I never get refusedĢ) Deduct rebates and incentives only after you've settled on a purchase price VERY near invoiceģ) Agree on a trade-in price after you've researched the value extensively.and go get quotes from Carmax type places for them to buy your car outright.
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