Dublin Chevorlet - Referral Request

[madsen203]

Keep in mind that a lot of dealers aren't in the business of pushing cars anymore... they're in the business of pushing shitty loans to unsuspecting buyers. They're likely hoping to peddle that same Denali onto someone who's making far less money than you do, with a much worse credit score, who won't qualify for 3% APR, let alone 0%. They're much less likely to think about how atrocious a 72 or even 84 month car loan is at 20% or higher; they are likely only thinking in terms of monthly payment. "I can afford $500 a month," despite the fact that they'll be paying that over a much larger time frame, and paying much, much more than the vehicle is actually worth over the span of the loan.

Rant over.

Remember - time's on your side. The closer to the drop date of the 2019 models, the more likely they'll be willing to accept your terms.

It's true about the APR. I'd even consider them selling me the truck with a high APR only to refinance immediately after if that means a discounted sales price. I was just hoping for convenience of getting a decent APR with a fair sales price so I didn't have to go through the hassle. Every percent is roughly $1,000 in interest so for me it's a balancing act.

Time is on my side...although...I'm much more selective and having the large motor and crew cab with standard box which are limited in supply. If I didn't care about those options I could save myself $5k easily.

 

[madsen203]

As soon as there is talk about financing options and I display that I want a low rate from them--the sales reps disengage and do not reply.

I think you are right "295566" about them caring about the finance bonus.

I've tried working with out of state dealers but GM makes several versions of the truck in regards to emissions and none are CA certified. :-/

 

[stan23]

I think a lot of those incentives only apply if you finance with GM, and there is a min term to carry, so it's not like you can refi in like a month. I think the minimum term is a year.

I looked at the concord dealer's website and it looks like a lot of their $$ off depends on certain incentives that one would have to qualify for (like current lessee of a GM vehicle)

IMO, just focus on the price. Tell them you want to pay cash for the truck.

Once you lock down the price, just either pay cash or come with your own financing.

 

[Indio]

I'm not telling you to buy a Denali, just a reference at what $$ off MSRP is nowadays.

How much off MSRP are you shooting for? I can tell you right away if you're realistic or not. I'm sure you know, I buy a lot of new cars.

I used LauraGMC for reference prices when shopping as they were the defacto standard on what a 'good' price to pay is.

I suggest you use them as a guide and ask your local dealer to match.

Hey Stan, if you don't mind I could use your input. What is a realistic price for a 2018 Allroad premium plus or a 2018 sq5 premium plus. I am waiting for 2019 models to hit dealers.

 

[stan23]

Hey Stan, I could use your input. What is a realistic price for a 2018 Allroad premium plus or a 2018 sq5 premium plus. I am waiting for 2019 models to hit dealers.

I bought a 2018 S5 Sportback Prestige and got $3,500 off MSRP.

I think the allroad you can do much better ~ $5-7K off MSRP, but the SQ5, probably around 3-4K - as that's a redesigned model.

I purchased from Audi Oakland. I have a sales contact there if you want. I'm sure they will remember me. When I picked up my car it was Friday night and they were closing. They promised me a full detail and another tank of gas if I came back another day.

I came back next week in my other car (Large SUV) and they had to detail and fill my other car.

 

[madsen203]

I think a lot of those incentives only apply if you finance with GM, and there is a min term to carry, so it's not like you can refi in like a month. I think the minimum term is a year.

I looked at the concord dealer's website and it looks like a lot of their $$ off depends on certain incentives that one would have to qualify for (like current lessee of a GM vehicle)

IMO, just focus on the price. Tell them you want to pay cash for the truck.

Once you lock down the price, just either pay cash or come with your own financing.

Thanks!

I have read on multiple forums there is no legal requirement to maintain financing with the dealer. Plenty of anecdotal evidence out there demonstrating the validity of this. They work hard to make you believe that but you can walk out their front door and into the door of the bank. It's tricky to complete in the first month due to the title being issued and paperwork being processed. So once you sign the paper with the agreed price and you get financing set up, you can refinance immediately.

I will be going to the dealer later to talk with them. It seems like $2k is a lease discount and there is another 1-2K for the GM financing. So if I cash pay, I'm losing out at most $2k of the 17K discount. So...Finance through them, and refinance a month later.

I'm better off leaving money in the market than trying to put down as much as possible.

So basically I'm looking at $47,990 at what ever rate they assign me to get that price and then I'll have to refinance with my credit union. I was hoping to alleviate myself of the last step if they offered a competitive rate to what my CU offers.

 

[stan23]

Thanks!

I have read on multiple forums there is no legal requirement to maintain financing with the dealer. Plenty of anecdotal evidence out there demonstrating the validity of this. They work hard to make you believe that but you can walk out their front door and into the door of the bank. It's tricky to complete in the first month due to the title being issued and paperwork being processed. So once you sign the paper with the agreed price and you get financing set up, you can refinance immediately.

I will be going to the dealer later to talk with them. It seems like $2k is a lease discount and there is another 1-2K for the GM financing. So if I cash pay, I'm losing out at most $2k of the 17K discount. So...Finance through them, and refinance a month later.

I'm better off leaving money in the market than trying to put down as much as possible.

So basically I'm looking at $47,990 at what ever rate they assign me to get that price and then I'll have to refinance with my credit union. I was hoping to alleviate myself of the last step if they offered a competitive rate to what my CU offers.

I could be wrong, and I hope so. I think to get certain GM rebates, you need to finance with GM *and* carry that GM loan for at least a year. You can absolutely walk out with GM finance, then turn around and finance with your institution a month later but that grand or two they took off, will be re-applied to your balance.

I would not even bother with GM. Just get the rate from your CU (I assume 2 percent or less) and just negotiate the best possible rate. It's a GREAT time to buy since the new trucks are not here yet, and still plenty of stock. You can wait, but the 6.2 trucks will be more and more scarce.

One final tip, GM will occasionally pop up with 'private offer coupons' good for $1,000 or so off. This is AFTER you negotiate your best price, you show them the coupon, and they will have to knock off another grand.

I've not been lucky to get it, and it seems there's a bit of tactic, but spend a few hours trying to get it and you'll save another grand.

https://forum.leasehackr.com/t/chevrolet-1000-private-offer-how-to-get-it/821

 

[madsen203]

I could be wrong, and I hope so. I think to get certain GM rebates, you need to finance with GM *and* carry that GM loan for at least a year. You can absolutely walk out with GM finance, then turn around and finance with your institution a month later but that grand or two they took off, will be re-applied to your balance.

I would not even bother with GM. Just get the rate from your CU (I assume 2 percent or less) and just negotiate the best possible rate. It's a GREAT time to buy since the new trucks are not here yet, and still plenty of stock. You can wait, but the 6.2 trucks will be more and more scarce.

One final tip, GM will occasionally pop up with 'private offer coupons' good for $1,000 or so off. This is AFTER you negotiate your best price, you show them the coupon, and they will have to knock off another grand.

I've not been lucky to get it, and it seems there's a bit of tactic, but spend a few hours trying to get it and you'll save another grand.

https://forum.leasehackr.com/t/chevrolet-1000-private-offer-how-to-get-it/821

Ford has a lot of these. After a bit of poking around I don't see anyone actively saying GM has offered these in 2018. :-/

 

[stan23]

Ford has a lot of these. After a bit of poking around I don't see anyone actively saying GM has offered these in 2018. :-/

Yeah, I didn't really actively try it until after I bought my truck, but have heard of folks getting them recently in the gmtruck forums.

 

[Indio]

I bought a 2018 S5 Sportback Prestige and got $3,500 off MSRP.

I think the allroad you can do much better ~ $5-7K off MSRP, but the SQ5, probably around 3-4K - as that's a redesigned model.

I purchased from Audi Oakland. I have a sales contact there if you want. I'm sure they will remember me. When I picked up my car it was Friday night and they were closing. They promised me a full detail and another tank of gas if I came back another day.

I came back next week in my other car (Large SUV) and they had to detail and fill my other car.

PMed.Thank you.

 

[Robert R1]

If you need anything Chevy related, reach out to Abel Chevrolet in Rio Vista.

Vette guys from all over bring their cars for service due to the quality and as they have grown, their sales team is well regarded also. Worth the drive.

 

[wazzuFreddo]

I was at Fremont Chevy a couple of weeks ago getting the oil changed on the Volt and wandered over to look at trucks while I was waiting.

Had a nice crew cab Z71 marked down $13k to something like $36k-$38k. I thought in the back of my mind it would be nice to sell off a couple of cars and get a new truck. But then the sales dude came out and went with a pitch that “taxes an extra fees will bring the price right back up to MSRP but we can open a line of credit for you at $50k no problem.”

No thanks, just browsing

 

[Reli]

You guys are trying to take advantage of $1-2K dealer finance discounts, AND refinance it within the first month or two?

Now you know why most of them won't allow you to do that.

I agree with stan, don't even ask them about their financing.

 

[stan23]

I was at Fremont Chevy a couple of weeks ago getting the oil changed on the Volt and wandered over to look at trucks while I was waiting.

Had a nice crew cab Z71 marked down $13k to something like $36k-$38k. I thought in the back of my mind it would be nice to sell off a couple of cars and get a new truck. But then the sales dude came out and went with a pitch that “taxes an extra fees will bring the price right back up to MSRP but we can open a line of credit for you at $50k no problem.”

No thanks, just browsing

If you are serious, I'll sell you my 2018 Sierra 1500 quad with Z71. I've taken it everywhere and has 7k miles.

I think it's time I pick up my 2019 raptor

 

[295566]

I was at Fremont Chevy a couple of weeks ago getting the oil changed on the Volt and wandered over to look at trucks while I was waiting.

Had a nice crew cab Z71 marked down $13k to something like $36k-$38k. I thought in the back of my mind it would be nice to sell off a couple of cars and get a new truck. But then the sales dude came out and went with a pitch that “taxes an extra fees will bring the price right back up to MSRP but we can open a line of credit for you at $50k no problem.”

No thanks, just browsing

$13k in taxes and fees? What do they think they're doing, selling motorcycles?

 

[TheRobSJ]

If you are serious, I'll sell you my 2018 Sierra 1500 quad with Z71. I've taken it everywhere and has 7k miles.

I think it's time I pick up my 2019 raptor

What color you want? Not sure if ‘19s are even out yet though.

 

[stan23]

What color you want? Not sure if ‘19s are even out yet though.

I want the cement color.

I've been waiting to buy one for 2 years now. I refuse to pay above MSRP. I almost bought one a few months back, but I decided to get a new S5 as a stop gap and wait for all the crazy prices to come down.

Months ago when I needed a truck, I thought of buying another one again and found a few out of state that would be willing to sell me at MSRP, and I decided to wait, as I don't like buying sight unseen. I bought the GM as a stop gap.

Now that our stocks are soaring, I am looking again. I'll wait for the '19 no problem.

 

[TheRobSJ]

Avalanche Grey you mean? It’s gone. The new “flat” grey is called Lead Foot Grey. It’s a much darker shade.

But yeah, ‘19s are not on the ground yet. They won’t A-plan me a 2018 let alone even MSRP at my dealer. Doubt a sticker deal can be had around here. You are gonna have to go out of state maybe to get a sticker deal.

 

[wazzuFreddo]

If you are serious, I'll sell you my 2018 Sierra 1500 quad with Z71. I've taken it everywhere and has 7k miles.

I think it's time I pick up my 2019 raptor

Got to hold off on big spending until a merger gets approval from German anti trust authorities next year.

The salesman’s quest for maximum commission saved me from myself.

 

[madsen203]

I got confirmation from Gilchrist in Washington that the previous sales rep I spoke with was incorrect and that their vehicles are all 50 state compliant. This opens the doors to negotiating harder locally or do a fly and drive. In Washington I can get a full loaded LTZ for $49k or a fully loaded Denali for $49k (but has the short bed). The LTZ and Denali are similar but have two main differences: electronic step and magnetic ride. I think for the price I am going to opt for the magnetic ride. I reached out inquiring if he could get a similar priced Denali in the standard box.

Local guy only wanted to do $8k off...and I think it's bull shit but they wanted to charge taxes and fees before discounting which I was under impression that rebates are after tax but the dealer discount was before tax. Can you confirm, Stan?