My husband and I found out we’re pregnant, so we decided to trade in his car for a truck he wanted.
First, when we went into the dealership to negotiate the truck he liked, the salespeople got into a semi-angry discussion over who was going to take the sale - it was extremely unprofessional, not to mention uncomfortable.
Second, when it came time to finalize the details, we were visited by one of the gentleman from the finance department. This was normal, I know. What wasn't normal is the way he went through each item of our credit one by one, making little comments such as, "Oh the banks don't like to see that," or whispering confidentially, "So, what happened here?" Like most people, we knew our credit wasn't great, but having someone sit down like you're a toddler and list every mistake you'd ever made was embarrassing and left us both agitated and ready to leave.
Third, we were upside down on our trade. We knew we would be, but it kept the payment out of our range and we didn't want to go higher. We decided it could wait. In order to save the sale, the "finance" guy decided we should KEEP the vehicle we had ($650/month) and simply buy the new one as an addition instead of a replacement - adding another $650 a month payment to our bills. So, I asked him how having a $1,300 a month vehicle bill would be better than going over our +/- $600 budget? He said that we wouldn't have the other payment if we sold the other car. "Exactly," I said, "if. The only guarantee is that we will have two payments due next month, and every month until the other car sells - if it sells.”
Fourth, the finance guy said that the answer to our problems was to trade in BOTH of our vehicles and get two new vehicles! This is, without a doubt, the WORST advice I've ever gotten. I told him as much, and he asked my why. I said, “Because I’ll have my car paid off in two years (which he knew) and you’re telling me that because I’m ‘probably’ upside down in my car, that I should hide the negative equity in a new one that I’ll be paying for four years after I would have paid mine off. And besides, I’ll only be upside down if I actually sell it – when the actual sale is realized.” The guy just stared at me blankly.
Fifth, when I (we) had enough, we asked for our keys back (to the trade). He kept asking us to put more and more down and wouldn’t give us our keys. My husband was about to throttle him and I was ready to scream. The man was ridiculous. He absolutely destroyed any possibility of us ever buying a vehicle from there.
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