Did you recently take on (or consider) a loan of 84 months or longer on a car purchase?
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Chronic Car Buyers Anonymous (Archived)
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A very interesting exercise, give it a try, I would like to see who holds the record ! I will be 73 in Jan. so I have have a good head start on most of you. If you start at the age when you got your first car, my average is about 1 car a year from age 16 to now.
2013 LX 570 2016 LS 460
2013 LX 570 2016 LS 460
No state or bank or car manufacturer requires these fees. Some states limit the amount dealers may call a doc fee, some do not. Dealer F&I folks use the word fee to attach some legitimacy to the fee. Not illegal, due to the power the dealers have over our elected officials, but certainly deceptive.
These doc fees are explained as to compensate the dealer for the the cost to the dealer to prepare the paper work for the sale. This is a dealer cost not a customer cost. The dealer's selling price includes all dealer cost and profit.
Regardless, in today's world of electronics, how much does it cost a dealer to prepare the paper work? Certainly not hundreds of dollars.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
Man is it in nice shape... Wow
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic
When I bought my new CLS 400 this past Monday, I presented my numbers + trade allowance + any and all fees including title and tag fees.
The invoice on the car was $73,155. I offered them $19397.12 which included $6000 I had in fleet discounts from USAA, MERCEDES BENZ CLUB OF AMERICA and MBUSA, less trade allowance + sales tax and any other fees.
This approach to buying a new car works every time. You make them an out the door offer which includes everything. Remember, the dealer has hidden profit in hold back money from the manufacturer + trunk money from the manufacturer + CSI monetary incentives. The dealer never loses, but they can win big or small - it's up to the buyers to limit how much profit the dealer makes. Ever meet a poor car dealership owner?
2024 Genesis G90 Super-Charger
'11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S
And, yes, put me in for a punch. So this morn we stopped to see another H3. Told him we wanted to think about it, but he did come out and say they would sell it for the number I had in mind. That was good but something felt a little off about the vehicle. We talked and decided we had a few more on our list to check off and then we'd be back on the way home.
called torchlight motors to ask about their 2008 xc90 but nobody answered the phone. So next we called Ramsey Volvo about a 2009 LR2 they advertised with no pics but only 32k miles and at a pretty cheap $16k. It was still there, an hour's drive away, and 2 other interested parties. So we figured we'd make that the next stop and then we could hit a couple of other places on the way home to see another Hummer and an RX400h.
Had another text from pushy dealer saying all fees would be waived. I didn't reply. Meanwhile, got up to Ramsey in about 45 mins. Checked out the truck, looked as good as you'd want for the miles, took it for a quick spin, and told him we'd take it. The price was so good and I could find no fault with the car that I didn't want to argue about it. Fees were about $300 on the high side but even taking that into the selling price, we still good a very solid deal.
'11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S
Funny but a few days later, we all tend to forget it all and just enjoy our new vehicles. Best to not look back but just enjoy what's in the garage!
The Sandman
2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
2017 Cadillac ATS Performance Premium 3.6
i wish you you many years of driving pleasure in your new addition to the "stable!" Great deal!
2024 Genesis G90 Super-Charger
2024 Genesis G90 Super-Charger
qbrozen, congrats on the punch! Sounds like a good deal.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Looked up the ousting. Even has tech package. And can't beat the miles. Enjoy.
Though you still need another one, for when wife has that and the caddy is garaged!
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
And an oddball. Sonata with a stick shift! May be 1 of 1 of those.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
All of my Scion leanings are far out to the back of the backburner, now. I'm gonna hold with the 2011 Kia Soul 5-speed clear white base, and, I have an appointment Monday to get it's 60,000 mile timing belt replaced. I asked for a loaner car for this job, because I had a strong feeling they wouldn't get the job done in one workday, and, I want them to give me the 2014 Kia Soul dark green 6-speed they have for sale as the loaner car. I may have to ask for a stick Soul as my loaner. I've wondered how the Kia 6-speed setup in the newer Souls differs from my '11 bases' 5-speed stick with 2.0L motor. These things can be huge - if, per chance, I notice something different in Kia's 1.6L motor in the 2014 and/on Souls and their clutch setup, maybe, just maybe, I'll start long-term planning on a simple trade-in in 4 years or so for a 2020 Kia Soul base 6-speed. I am by no means unhappy with rowing gears in my 5-speed 2.0L Soul. No way, Jose. In red color by then, though, maybe? Truth be told, Kia wants base Soul models to be sold in white, graphite, black and silver. I can live with that, though. Wondering if they'll hold to that in several years or paint base model Souls in red by then, or that mustard yellow color people like ta hate but, of course, I seem ta like.
Actually, an online friend in northern Michigan who loves Kia even more than I do has been discussing on Facebook the new Kia GT sports sedan in the planning stages. It's production line has probably been selected, South Korea's oldest carmaker is deft at planning things way ahead, as they should. But, if Peter Schreyer (Kia's Design Chief, lured from Audi Motors) has his way, the car's design will lure many Americans in to the Kia ownership fold. RWD, I am hoping for 6-speed manual transmissions to row, no automatic-only positions from Kia, and a body to make a car guy melt in to Tucson's central-city pavement and beg for coolness possibilities, not a single question asked!
I may just wait for the Kia GT sports sedan, I mean, I have a Kia dealership in Dodge City, and, I'm just about to experience their service department. This will be a cool learning experience, I think, for a Kia fan who travels around.
A lot.
2021 Kia Soul LX 6-speed stick
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
'11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S
2024 Genesis G90 Super-Charger
and of course, it is a LR, so just be happy it starts!
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2017 Cadillac ATS Performance Premium 3.6
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2017 Cadillac ATS Performance Premium 3.6
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
I technically have 11 months left in the lease before a pull forward possibility, but I looked at a couple cars on the local dealer's lot today, just for the heck of it. I was disappointed in the misinformation - both were Tex cars, but the sticker said "leather" - sounds like a way to get sued once the new buyer finds out. One said "luxury package", when it was not a lux car. No posted price, which is a turn off too. This dealership changed hands relatively recently, and I fear this is the new way.
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic
2013 LX 570 2016 LS 460
2021 VW Arteon SEL 4-motion, 2018 VW Passat SE w/tech, 2016 Audi Q5 Premium Plus w/tech
The car drove perfectly, and averaged over 25 MPG [ the highway EPA rating], including some ‘in town, running around’ miles. And averaging over 70 MPH for significant stretches of Interstate.
The last fuel fill was over 400 miles – showing 27.2 MPG and 30 miles Range remaining \ ‘Distance To Empty’. Again, including some less-than-ideal driving conditions.
[ Actual MPG for this leg = 26.0 - 19 gallon tank. ]
It still shows no wear. Tires still show excellent tread. No rattles, squeaks, moans or groans.
- Ray
No excuse to trade – just yet . . .
[ Wait - do I need an excuse \ reason ????? ]
After about 2 weeks cancellation you'll get some good offers in the mail. So you will have it back before long. I just renewed mine for one car. I had to ask for a supervisor to get the promo rate again. I'll have to go through the same song and dance this week for the other car. Such silly games they play.
'24 Chevy Blazer EV 2LT
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Right now I have separate accounts on all 3 cars thanks to rolling over promo intro periods. A pain to keep them straight, but it is saving me money! At some point I probably consolidate. But not yet.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.