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Words from the Car Sales Customer Advocate

Before you step foot into one dealership, let us give you some pointers.

Sunday, February 15, 2015

HOW TO BUY A CAR WITH A PRE APPROVAL FROM A CREDIT UNION

NOWWWWWWW this is a topic that is sureeeee to spark some serious debate, but it should be a slam dunk!  So i'll ask you this question 1st!  As a consumer is it about YOU! or do you PLEDGE ALLEGIANCE to your credit union?  DO YOU DRINK THE KOOL AID? Have you fallen for the Banana in the tailpipe?  So you HAVE TO LET THEM FINANCE YOU HUH? LOL I laugh because the jokes on you!  You've been bamboozled!

Here's how it all unfolds for sooooommmmmeeeee people!! They get an approval for a car for say $35,000 dollars at the credit union at let's say 6.9%.  Decent rate right?  Or is it?  Remember the credit union is 1 BANK!  To quote the great CHRIS ROCK! I WANT ONE RIB!!! lol  I say that to say this.  If you allow them to do the financing that's GREAT!  HOWEVERRRRRRRR #STEVENASMITHVOICE.  Is it about MR & MRS (your name here) or about BLAH,BLAH,BLAH CREDIT UNION?  If it's about your corporation, which is HUBBY & WIFEY ENTERTAINMENT, lol, then the correct way to proceed is THISSSSSSSSSSSSSSS!!

YOU ALLOW THE DEALERSHIP 1 CRACK AT BEATING THE RATE!  They will not shotgun your credit all over the place like the DUDE at your credit union is telling you!! He wants you to go directly to him!! Nowhere else!! So he can get paid!!  He will tell you something like... "well  I know their rate is cheaper, but direct deposit, BLAH, BLAH, BLAH.. OR some other CREDIT UNION DUDE RHETORIC!  Most dealerships have multiple sources to go through for financing, and it's a dog eat dog business!  The dealership may have an arrangement with the credit union direct to go around your loan officer and get you a better rate with more incentives but it has to go DIRECTLY THROUGH THE DEALERSHIPS CHANNELS rather than to CREDIT UNION DUDE. And in the end will save a great deal of money! Which is what you should want to accomplish!  GET IT?  If not #SIGH let me go deeper, AIGHT!

Your goal when you go onto any car lot is to get the car you have been dreaming about for the best price!!  If it's not, then your job may need to drug test you, lol. Sometimes the dealerships and the lenders need to make their numbers and will destroy a credit unions numbers to get the deal for themselves!  Which saves you money!!   So we started at 6.9% 2 paragraphs ago right?  Well now let's say the dealership got you 1.9 on that same $35,000 for 72 months and no payment for 90 days/ or gap insurance included.  THAT'S $80 PER MONTH!! OVER 72 MONTHS ITS $5782!! WOW!! Check it out at BANKRATE.COM if you don't believe me!!
#CreditUnionDude

Now i will close it like thissssssssssssssssss!!  You don't have to believe me! LOL, Remember I'm a salesman, I DON'T CARE WHO FINANCES IT!! I get paid to sell the car! So cash, check, or can goods I get paid either way!  So what interest do I have?  My interest is making sure that you buy the vehicle!  But I have seen many credit unions hold up deals!! AND YOU SAY HOW TONY?????!!!!!!

People come onto the lot with something like only $15k to find a car, which handcuffs you!! THE BEST PRACTICE IS THISSSSSSSSSSSSSSSS.  It's just like buying a house, but even better!!! 
GET APPROVED WITH YOUR CREDIT UNION, #COMESEEYAMAN!! LET ME PICK OUT THE VEHICLE OF YOUR DREAMS!  THEN LET THE FINANCE GUYS GO TO WORK!  IF THEY BEAT YOUR CREDIT UNION COOL, AND IF NOT COOL!! YOU STILL GOT THAT NEW WHIP RIGHT?!!!
BUT IF THE CREDIT'S UNIONS KOOL AID IS THAT GREAT EVEN IF THEY ARE HIGHER THEN AFTER YOU GET THE GOOD RATE..... I GUESS YOU CAN SEE IF THEY CAN BEAT THE DEALERSHIP RATE!  NOTICE A TREND?!! YOU ARE THE WINNER!!! 

Sunday, February 8, 2015

YOU AINT GOT TO BUY FROM ME... FREE GAME!

Income tax checks are hitting as we speak!!  People are flooding car lots all over the country!! Every car lot is #PACKED!! Be careful with your vehicle selection! The last thing you want to do is spend your entire income tax on a #BUCKET and it break down before Memorial Day Weekend and you be #STUCKLIKECHUCK.  Do your research! Come to my site and read my blogs!  Oh you don't like me...LOL cool!! Then go here #EDMONDS, #BANKRATE, or #NADA.  These sites are where smart shoppers go for information rather than ask people in a Facebook group that has a bunch of people with credit challenges(HARSH BUT TRUE), I see it everyday.  You are only as good as your resources!  Utilize your resources and you can get the deal you never imagined!! There is too much public info out here for anyone to be in a group on Facebook asking "does anyone know how much down on a #BLAH #BLAH#BLAH".  Hate it or love it!
 But it's the truth!  Do your research people or light a match to this years income tax and continue to be stuck in that eternal ABYSS and repeat the same cycle by next year buying another bucket!! Hey, like my man #GRIZZLY says, "Don't shoot the messenger!"