I'm paying $388.88 a month for a yaris.

[Thirty-Nine]

Originally Posted by duck

got a sedan
$7,000 down
$340 a month for 24 months at 0.00% APR
The dealership can give you any interest rate you want regardless of credit score from what I've seen.

How'd you manage a 0% APR from Toyota Financial?

[duck]

Originally Posted by Thirty-Nine

How'd you manage a 0% APR from Toyota Financial?

They wouldn't let me leave until I bought the car. First they tried jacking the MSRP by $5,000. Then when that didn't work, they kept me there for 6 hours by refusing to return my debit card. When offering me 2.9% still didn't get me to buy the car, they offered 0%. Finally I agreed. I really wasn't trying to do any negotiating after they jacked the price, it was all them not wanting me to leave. After I agreed, I was able to drive off the lot 2 or 3 hours later (took a while to get the paperwork). It was a nightmare but it's a cheap car that is good for NYC driving (although it eats gas in city driving) and the maintenance schedule sounds good so it'll do.
I paid $15,000 out the door including all taxes (8.375% in manhattan), license, registration, etc.

[Canuck]

Originally Posted by duck

They wouldn't let me leave until I bought the car. First they tried jacking the MSRP by $5,000. Then when that didn't work, they kept me there for 6 hours by refusing to return my debit card.

First, why did you give them the card before reaching a deal?

Second, that conversation should have ended real quick after you ask them to use the phone to call the cops to report a stolen debit card.

[duck]

Originally Posted by Canuck

First, why did you give them the card before reaching a deal?

Second, that conversation should have ended real quick after you ask them to use the phone to call the cops to report a stolen debit card.

i don't know if it's new york only, but at every dealership i've been at, before they will talk dollars, they ask for a credit card to "prove you're serious". i assume it is so they can easily run a credit check without my knowledge/approval, but they have all done this so i've never had much choice in the matter.

and yes, i absolutely should have called the police. but my many warrants made me hesitate. ok kidding about the warrants. i messed up though by not calling them.

after i got the car it was no cakewalk either. there were many unreturned phone calls to the dealership, missing equipment, bad service, etc.

[Canuck]

Originally Posted by duck

i don't know if it's new york only, but at every dealership i've been at, before they will talk dollars, they ask for a credit card to "prove you're serious". i assume it is so they can easily run a credit check without my knowledge/approval, but they have all done this so i've never had much choice in the matter.

Wow, that sucks.

and yes, i absolutely should have called the police. but my many warrants made me hesitate. ok kidding about the warrants. i messed up though by not calling them.

A resourcefull LEO probably could have made a case of unlawfull confinment stick as well

after i got the car it was no cakewalk either. there were many unreturned phone calls to the dealership, missing equipment, bad service, etc.

Most dealers don't care about you after the deal is done. That's why I only go back for warranty stuff.