| Author | Message | ||
     Politricks Side Hero Username: Politricks Post Number: 4257 Registered: 03-2008 Posted From: 75.75.78.185 Rating: N/A |
Rasputin "Asalu finance guy tho maatladakunda Salesperson ela pettinchukunnaadu nee chetha signatures? " Sales person santhakaalu pettinchukoledu bedar....he got the APR and payment plans from the finance guys and talked to me about different options...than once we nailed on what exactly I opt for, vere vaadi daggara ki velli papers signed (No SALES person involved there)! Kakapothe aa paers lo clear gaa nenu sign chesinavanni will come into effect based on lender approval ani undi!! Inti ki ochhi chaduvutham kada anni papers detailed gaa! | ||
| Rasputin Side Hero Username: Rasputin Post Number: 5145 Registered: 02-2008 Posted From: 192.146.101.24 Rating: N/A |
Asalu finance guy tho maatladakunda Salesperson ela pettinchukunnaadu nee chetha signatures? Aa sign chesina papers copy unte, fine print chaduvu. Dealership ki against ga Frad cases chaala theerpulu easy ga vachesthaayi Court ki velthe. | ||
| Politricks Side Hero Username: Politricks Post Number: 4255 Registered: 03-2008 Posted From: 75.75.78.185 Rating: N/A |
CJ mama Thanks! Not a bad idea...but manam year year oka card apply chesthe mana credit debba tintadi kada? | ||
| Politricks Side Hero Username: Politricks Post Number: 4254 Registered: 03-2008 Posted From: 75.75.78.185 Rating: N/A |
Guru "yes. But dealer can check with the lender and let u know right away..i don't understand why or how u walked out of the dealership without locking the apr." Bedar....what is locking APR means? They offered me 1.9%, I signed papers for 1.9% and all the papers showed my monthly payment based on 1.9% APR!! I think when you bought car you too did the same!! But...but...the trick is when you go to the finance guy and sign the paper work YOUR APR IS NOT FINAL...it will be sent for approval to lenders (probably 2-3 lenders) and once they approve THAT IS FINAL!! Wrathchild Ade wait chesthunna...koduku ippudochhi LENDER did not approv antaademo ani!! | ||
| Wrathchild Side Hero Username: Wrathchild Post Number: 3918 Registered: 03-2009 Posted From: 192.146.101.24 Rating: N/A |
venu..i feel, they may put u in a higher apr..kone anta varaku oka la untaru..konna taruvata kaneesam pattinchukoru..nuvvu sign chesina papers lo ekkado moola edo clause untundi..apr vaste,better refinance it | ||
| Guru Junior Artist Username: Guru Post Number: 67 Registered: 05-2009 Posted From: 192.193.216.156 Rating: N/A |
>>but naa question yentante are there any chances that they come back saying the lending companies did not accept 1.9% APR...and give different payment options increasing the APR? yes. But dealer can check with the lender and let u know right away..i don't understand why or how u walked out of the dealership without locking the apr. When I bought the car, dealer offered me 4% apr and i paid the downpayment. They asked me to go to finance dept to do the ppr work for the loan. Fin guy said my apr would be 7% as i m taking car loan for the first time. I asked him not to bs..and made it very clear that I will not buy the car unless he gives me 4%. final ga 4% je ichhadu. Usually, dealership will make money by selling loans for high apr even though we quality for low apr offered by the banks and they will keep the profit. So you MUST shoparound for the loan before going to dealership. | ||
| Cinejeevi Comedian Username: Cinejeevi Post Number: 1511 Registered: 01-2008 Posted From: 65.244.125.146 Rating: N/A |
Venu mama congrats on new car. What I would in such situations is take 0% APR card for 10K or more and payoff upfront. Then pay off this 0% regularly for 8 months and take another 0% APR for another year. ippatiki nenu 3/4 0% APR for an year nadipistunna  chairman gaaru rammanTE vachchanu... watchman gaaru pommanTE pOtaaraaa?? | ||
| Politricks Side Hero Username: Politricks Post Number: 4252 Registered: 03-2008 Posted From: 75.75.78.185 Rating: N/A |
MrHyderabad If we can get 5.9% or so...you are true! But what people were saying it is difficult now a days to get loans especially in low APRs...my bank offered me 8%, but if I take in 8%, payoff and get 1750...it will help me only if I am paying off in 1-1.5 years...otherwise I will end paying more! | ||
| Mrhyderabad Comedian Username: Mrhyderabad Post Number: 1655 Registered: 01-2008 Posted From: 167.230.38.118 Rating: N/A |
I am not suggesting you to payoff from your pocket. That will be the dumbest thing to do. As i said before, get loan from a bank for 5% or less and pay cash to dealer to get rock bottom price. You may end up paying less than 1750 for 2-3% more apr. Perception is immune to Intellectual Correction ... | ||
| Politricks Side Hero Username: Politricks Post Number: 4251 Registered: 03-2008 Posted From: 75.75.78.185 Rating: N/A |
MrHyderabad "Even if you get it approved for 1.9% you are still loosing 1750 dealer discount. Also, if you are paying cash they might give even better offer." I cannot payoff for sure....oka vela ade cheya galigithe vaadni ongo betti ON ROAD 16K ki set chese vaadini! New_User "1750 cashback theesukuni, car ki no interest full pay cheyyadam better anukunta. I usually lease cars. Still I feel CUV is better for your needs." FULL oke sari set cheyalenu...as I have to be cautious in this economic slow time! Vaadu ichhina 8.9% APR ok ani I could have knocked off in 1-1.5 years but yenduko ila set chesanu! | ||
| Chantodu Side Hero Username: Chantodu Post Number: 6261 Registered: 07-2007 Posted From: 12.34.246.78 Rating: |
doctur tamud h r u | ||
| New_user Side Hero Username: New_user Post Number: 5509 Registered: 02-2008 Posted From: 170.232.192.10 Rating: N/A |
Politrics 1750 cashback theesukuni, car ki no interest full pay cheyyadam better anukunta. I usually lease cars. Still I feel CUV is better for your needs. | ||
| Mrhyderabad Comedian Username: Mrhyderabad Post Number: 1653 Registered: 01-2008 Posted From: 167.230.38.118 Rating: N/A |
Even if you get it approved for 1.9% you are still loosing 1750 dealer discount. Also, if you are paying cash they might give even better offer. Perception is immune to Intellectual Correction ... | ||
| Politricks Side Hero Username: Politricks Post Number: 4250 Registered: 03-2008 Posted From: 75.75.78.185 Rating: N/A |
MrHyderabad "If you can manage to get 5% APR from your bank, then you will still be eligible to get 1750 dealer discount" Bedar...you are right, nenu shop around chesi vellalsindi..tondara paddanu! Ippudu kuda I am confident on APR being 1.9% but yekkado oka doubt! | ||
| Politricks Side Hero Username: Politricks Post Number: 4249 Registered: 03-2008 Posted From: 75.75.78.185 Rating: N/A |
RaviNo mama "any way neeku nachindhi kadha good for you kumeyyi... " Meerntha excellant advices ichharu and I started thinking....but intlo aadollu already set ayi poyaru ee COROLLA Sport ki! Tindi pettaremo ani bayapadi konesa!! Maa Ammay too much lolli type....adi adigindi konaka pothe naa bathuku bus stand sesthadi! | ||
| Mrhyderabad Comedian Username: Mrhyderabad Post Number: 1651 Registered: 01-2008 Posted From: 167.230.38.118 Rating: N/A |
That's why people advise you to shop for the loan on your own before going to a dealer. If you can manage to get 5% APR from your bank, then you will still be eligible to get 1750 dealer discount. Dealer ki okasari call chesi adagandi about your doubt. You can try calling anonymously to inquire about their APR offer. Perception is immune to Intellectual Correction ... | ||
| Ravino786 Side Hero Username: Ravino786 Post Number: 8993 Registered: 12-2006 Posted From: 12.107.188.5 Rating: N/A |
ichestadu .... infact he will nto give car to u if u are not eligible ani na peeling... any way nee yanks finally adhe konnav ...mari endhukadigav advice?? http://www.mazdausa.com/MusaWeb/images/promotion/survey387/3 87invitation.html?href=http://www.mazdausa.com/MusaWeb/displ ayPage.action?pageParameter=modelsMain&vehicleCode=MZ5 mazda sports crossover suv ••• van 30 MPG 35 Highway full safety and price is 18k .....new car konetappudu allways look price don't go for brand now every brand kia/hundai all come with 100k warranty, used car konetappudu go for brand as japanese last long.... and eppudu tondarapadi konodu sift car/van we just buy in hurry.... any way neeku nachindhi kadha good for you kumeyyi... | ||
| Politricks Side Hero Username: Politricks Post Number: 4248 Registered: 03-2008 Posted From: 75.75.78.185 Rating: N/A |
RaviNo mama "u can say keep the car and walk out...nuvvu elegible anduke wadu neeku car ichio.... last time bomma lo civic konnava?? " Nenu walk out sesthe naa $2000 ichhesthada? NAIGARA podam bandlo anukunta unna pothe OK naa...leda full miles yesesaa antaada? TOYOTA COROLLA S konna mama! | ||
| Ravino786 Side Hero Username: Ravino786 Post Number: 8988 Registered: 12-2006 Posted From: 12.107.188.5 Rating: N/A |
companies did not accept 1.9% APR...and give different payment options increasing the APR? u can say keep the car and walk out...nuvvu elegible anduke wadu neeku car ichio.... last time bomma lo civic konnava?? | ||
| Politricks Side Hero Username: Politricks Post Number: 4245 Registered: 03-2008 Posted From: 75.75.78.185 Rating: N/A |
Vignulu cheppandi nenu corner ayyanemo... Last week bought NEW CAR! The sequence and discussions ila vellay... 1) SALESMAN gaadu naa credit run chepinchi ochhi I can get 1.9% APR for 60 months annadu....but if I take that offer I will not get special that was going on ($1750 off invoice price) annadu! Ade special offer kaavali ante 8.9% APR ayithe ok annadu!! Okay....nenu ippudu $17.5K yekkada down chestha le ani 1.9% APR for 60 months ki OK anna! To complete paper work inkodi daggara ki pampaadu! 2) BUSINESS MANAGER gaadu lopala pogaane yentha down chesthav annadu! I said 0 down! Sare ani paper work modalu petti oka maata annadu....Nuvvu first time BUYER (I bought 2 used cars before and for both I paid off on spot to the tune of $12,000) applying for loan so...0 down ante memu financial institution tho fight cheyali for 1.9% APR ani cheppadu! Technically naaku appudu telsindi aa 1.9% veellu ichhina they need to get approval from lending company ani!! Aa time lo yemi artham kaka sare le ani oka $2000 down chesi car teesukoni ochhesa!! Now my question is.... 1 Month valid temporary registration ichhadu....I will have to collect the tags once they are ready at the dealership! Ee lopu I think they will work with the financial institutions and send me all the paper work and payment schedules! LAST 5 DAYS LO NAA CREDIT EXPERIAN, TRANSUNION CHECK CHESARU NAAKU TRIGGER AYYINDI! This all makes sense...but naa question yentante are there any chances that they come back saying the lending companies did not accept 1.9% APR...and give different payment options increasing the APR? Sudden gaa aa doubt ochhindi! Subbaram gaa naa nundi paper work sign cheyinchukoni ippudu APR maristhe yeti seyyali? Already 1.9% ani unna paper sign chesa but when I check now in fine print they have written provided the APR is approved ani! If they come back with 1.9% not possible etc...what are my options? Just wanted to be prepared if VERY surprisingly they come back saying that! Advice ivvandi....plzzz!! |
