|
Bob, that is exactly right. Go in acting like some half sentient mouth breather and focus on monthly payments, sales price or whatever, anything but the interest rate on the note. You want to make sure there is no penalty for paying off the note early. Frequently, there is a 30 day grace period where there is no interest charged. When you leave the dealership with the car, call and get a dollar amount to pay off the loan, allow for mailing time, so ask for a 10 day payout.
Last time I did this, they called and asked how the car was, thinking it was wrecked and paid off by the insurance company. Then they tried to "help" me, so I don't have all my money tied up in a car. Offer to knock 10% off the interest rate on the loan, a week after they made the loan. I laughed at him, "Amazing you can do that much better on the interest rate. Either you are lying now, or you were lying a week ago."
__________________
She was the kindest person I ever met
|