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Used 2022 RAM 3500s

Blythkd1 said:
They hate cash. They don't make anything on it. They want your financing, they make money on that.

I actually had a deal in writing a couple years ago when a finance guy called to get my financing information. I said thank you but I'll just be writing you a check. He said then the price is going up. That was a very short conversation. Guys like that make me want to give them a big fat deal with a high finance rate, then pay it off before the first payment is due so he gets a big fat chargeback.
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This is exactly why I normally put about half down at the dealership and pay the rest off as soon as I have the loan information. Dealers are not fans of cash buyers and are not fans of you bringing your own financing. They receive kick backs from their banks which means more profit for them. The best thing to do is know what finance rate your bank will give you. While at the dealer give them the opportunity to see what rate you qualify for. If the dealer is higher than your bank you can now play the card of I have a better rate and you need to beat it. 9 times out of 10 they will beat their rate.

Cash is king just not at the dealership, wait until you get home and pay off the remaining balance.
 
Riddick said:
This is exactly why I normally put about half down at the dealership and pay the rest off as soon as I have the loan information. Dealers are not fans of cash buyers and are not fans of you bringing your own financing. They receive kick backs from their banks which means more profit for them. The best thing to do is know what finance rate your bank will give you. While at the dealer give them the opportunity to see what rate you qualify for. If the dealer is higher than your bank you can now play the card of I have a better rate and you need to beat it. 9 times out of 10 they will beat their rate.

Cash is king just not at the dealership, wait until you get home and pay off the remaining balance.
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Smart play - I'll do that from now on. Give them a bit of love to give me the price/interest rate I want and then just pay it off as soon as I have the loan info.
 
At Mark dodge, payment wasn’t even part of the conversation. Send the build sheet, they gave me a price, simple as that. It wasn’t til after the paperwork process started they asked weather I’d be trading a vehicle in, financing, paying in full, or wanted any other items such as ceramic coating or factory warranties. No mark up from mark dodge. If all dealers can follow in their footsteps the new car buying process would be so much less stressful for many.
 
flan said:
At Mark dodge, payment wasn’t even part of the conversation. Send the build sheet, they gave me a price, simple as that. It wasn’t til after the paperwork process started they asked weather I’d be trading a vehicle in, financing, paying in full, or wanted any other items such as ceramic coating or factory warranties. No mark up from mark dodge. If all dealers can follow in their footsteps the new car buying process would be so much less stressful for many.
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Yep - which is why MD will always have my business if I pursue another RAM product.
 
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