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Old 06-01-2005, 06:30 PM   #1
lag
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Member#: 34631
Join Date: Mar 2003
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Location: do you know what it is
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to live in fear

Default New Suby buyers: make sure you have a clear understanding of the "Buyers Program"

I was doing the math on some numbers a Suby salesman gave me when I test drove the '05 GT. I didn't pay any attention really until today when I was accessing if I wanted to afford the car. Well doing the math of how much I would end up paying for the car with (I asked for 36 month finace) $7000 and the dealer quoted $360 per month payment I came up about $9000 short of what they were asking for the car. I called the salesman to see if he really liked me and just wanted me to have $9000--he didn't. I can't accuratly explain it myself, though I think the way he did those numbers was misleading and I told him so. I said "36 month finacing" I assumed that after 36 months the car would be mine. NO, I had the "option" of continueing to pay the remander of the loan, the $9000, with the $360, pay the whole $9000 at the end of 36, or trade up without having to pay the remander of the loan.

If you are someone that get a new car often it seems to be a good deal, but if you are not familiar with this "program" the numbers come out very misleading, and he didn't explain any of this to me while I was at the dealership. He was waiting until I signed paperwork--he said this by saying "we were not at that stage for me to tell you about it".

Anyway I can ramble on and on about how fustrating this was, but I'll end here.
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Old 06-01-2005, 09:34 PM   #2
02_Forester
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Location: Northern VA
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wow, that sounds very shady and something you would not expect from an "honest" salesman who cares about long term business. Which D.C. area dealer was it?

If you can get financing prior to going to any dealer, I'd recommend it. That way the deal is "cash" and no dealing with financing at the dealer.

Don't forget to check out the holdback and floorplan numbers on the lower portion of the dealer invoice HBX800 FPX200 -- looks something like that. ($800 holdback & $200 floorplan) See if you can get some of that money after they show you the invoice price. The numbers vary by model.
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Old 06-01-2005, 10:25 PM   #3
Dirt Man
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Location: Tampa, Florida
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2011 Subaru Forester
Silver

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Sounds like he was trying to set you up with a balloon payment at the end. I did it with my 99 2.5RS and it worked out well for me.

It's a little confusing at first, but the finance manager explained the finer details to me and how the terms worked out.

The trick is to pay a little more upfront so that at the end you dont end up "upside down" in you loan payoff.

Out of curiousity what dealer did you go to?
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