For what its worth:
not for people paying cash.
Go to the dealer prepared.
Get the invoice price of the vehical you want from some place like the Kelly blue book, autobytel or whatever the latest is. Include all options on your truck. Include shipping and tax for your city. Check the wholesale trade value on your truck and find out your payoff.
If you can't live with the trade in value then sell it yourself, the dealer will not give you top dollar for yours and sell his for nothing.
Decide if you can afford the truck
33k x 21. 5, $709mo for 5 years = $42540. 00
use the payment calculator on the web site to find out what the payment should be at an interest rate you would be comfortable with.
make sure you include trade value and payoff. You only pay tax on the differance.
You go to the dealer with the payment already worked out. Now you are ready to bargin!
Find the same truck on the lot and go for a drive. You wanna buy it? OK
The salesman sits you down, checks your credit and then pulls out the four square.
trade value////////////I/////money down//////
$2. 00//////////////////I/////////////////////
dont care//////////////I/////////NONE////////
whatever its worth/////I/////////////////////
///////////////////////I/////////////////////
IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
price//////////////////I///////////payment///
$48000. 00//////////////I/////////////////////
dont care/////////////I////////////$700. 00//
full sticker///////////I/////////////////////
///////////////////////I////////////60 months
///////////////////////I/or whatever yours is
///////////////////////I////////worked out to
You tell him exactly what you want. $700. 00 month for 60 months (he'll come back 15 times to tell you that he can't go below $1200. 00 a month) as long as you get your payment You don care if you get $2. 00 for your trade, you dont have money down(if you do you should have that worked into the payment before you go to the dealer), you dont care how much he's selling the truck for, you just want to spend $700. 00mo for 5 years.
If you go up $10 in payments it cost you $600. 00 more for your new truck. so dont sway too much.
You know what the dealer paid so decide if he is going to give you a good deal or not. If he dosn't go down to your payment get up, thank him for his time and walk out.
This is about the time the real negotiations start. they'll call you back in and the manager gets involved. Just stick to your payment and tell him thats your budget. Maybe you'll go up $10 maybe you wont. That depends on if you want to let him make some more money or not.
If he agree's to your payment do the paperwork.
READ THE BUYERS ORDER VERY CAREFULLY to make sure he hasn't played with the numbers, you alredy know what the bottom line should be, and dont be afraid to ask or even walk out if you think the numbers are not right. You dont really care how much he gave you for a trade as long as you got your payment and he takes the old truck off your hands.
When you go to finace, sit down listen to the shpeil of how you should get this and that for just a few dollars a month more, then tell the finance manager SIMPLE INTEREST and NO ADD ON'S. Dont sign anything thats going to cost you more money. Walk out of there paying $700. 00 month or dont take the deal. It's not yours till you drive it off the lot so spend the time and do it right and dont be afraid to walk.
Note: you have given the dealer enough to make a short deal it's going to be up to him if he wants to take it or not.
Go home with confidence that you got a good deal.
P. S. If you want the extended waranty financed in with your payment check the price on tdr and adjust your payment acordingly.
ADD IT UP
YOUR PAYMENT X HOW MANY MONTHS = PRICE YOU PAID remember you have to pay interest.
10% x $33,000. 00 = $3,300. 00 year first year.
http://www.calcbuilder.com/cgi-bin/calcs/AUT5. cgi/volition
http://www.autobuyingtips.com/
[This message has been edited by 446 (edited 10-22-2000). ]
Attention: TDR Forum Junkies 
