charged that by the CC company, a debit card will probably work but you get no cash back from your CC company


I worked at dealerships for the last 15 years and 2 years ago we started the CC charges for all car purchases and the service center
clients would use their CC for money down, we didn't charge for debit cards and rarely people use checks anymore

I could show the the balance from that account showing them I have the balance in my account to cover the check and balance on the card.

make sure your Credit Cards limit covers the amount. They will want to know how the balance is being financed..

They're all absolute junk. Plastic gears, etc.

Toyota is the least horrible choice, imo.

No financial interest in any car companies.

Make sure you get a Carfax report if you buy used!

Good luck!

best warranty. I would buy a used if very low mileage. Best deal I ever got was on a 10 year old van with only 33,000 miles on it. Got the history on it and was used for a catering restaurant that ended up hardly using it. Worked out great.
I’m looking for the best deal. Don’t drive as many miles as I use to and another 100K miles will be a life time for me. My only concern is is bringing back a deer from up north once every other year or so. With a small SUV, a very small trailer might work. Less that 2k lbs.
I’m in no hurry.

Offer $3k down in actual cash, the rest by check. They don't have to process it, do paperwork, wait for banks to approve, borrow more. It's CASH.

Ask for a 6 or 7% cash discount. That way they know they can't counter with 2%. The compromise is in the middle, 3-4%.

And if you've loaded up with extras - mats, rustproof, trim, twin mirrors extended warranties - youv'e got more voice in the game. "I loaded up here, I need some discounts here somewhere." That let's them find it, rather then dictating to them. You might wind up with 3-4% off, free oil changes for 3 years, or some other extra you hadn't thought of.

Just thoughts to consider from what I've experienced.

Have to go in with a strategy.
I’ve been getting all kind of text from sales people and I tell them right away high pressure sales is something I don’t tolerate.

I think it was called "How to buy a car". But, it must be said, things have changed. Prices were more rigid back then, but there are still various ways of looking at costs. Full retail (I know a guy who paid this every time and he couldn't afford it). There's dealer cost, a markup added to that. There's also numbers the retail public best not brooch - what the manufacturer charges or is paid for the car. When the Great Recession went down you could for a couple months buy a car for say $500 under dealer cost. That was a deal.

The cash strategy I heard from a guy who bought high end vehicles. He negotiated and negotiated, then offered cash and talked them down.

But you've nailed it. The thrust of the buy a car book was strategy. Know the numbers they dealer pays. That info is available online, I would think.

Strategy is assess each step and have a plan. You say this, they say that. You counter, or walk away for a few days. "Going shopping". Always be friendly. Know your next move to their move. You're seekiing a good price. They want to sell a car.

Good luck!!!

Dealer hast to pay his bills then.
“I’ve got to check a few others before I decide”. I’m in no hurry. I’ll pay for the car fax on any offer on a used car.