Personal Finance and Investing

bucolic_frolic

(53,304 posts)

10. Talk up your strengths - cash.

Reply to multigraincracker (Original post)

Wed Nov 5, 2025, 03:56 PM

Nov 5

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.

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multigraincracker

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Looking for a new or newer car to purchase. [View all] multigraincracker Nov 5 OP

The dealership may not allow it but they will probably charge you 2% or 3% to use your CC as they are Shellback Squid Nov 5 #1

Thank you. Back to plan B. multigraincracker Nov 5 #2

That would be, I go to the bank and bring back a certified check. multigraincracker Nov 5 #4

If I write the check from my Money Market Check multigraincracker Nov 5 #6

I've used a card and a personal check Historic NY Nov 5 #3

Thanks, I can ask the dealer. multigraincracker Nov 5 #5

I wouldn't suggest buying a new anything. SheltieLover Nov 5 #7

Either a Toyota or Honda. New they have the multigraincracker Nov 5 #8

I tried that, I think there was limit of a couple hundred dollars. nt doc03 Nov 5 #9

Talk up your strengths - cash. bucolic_frolic Nov 5 #10

Just what I wanted to know. multigraincracker Nov 5 #11

I sat in on a few deals in my life, and read a book almost 40 years ago. bucolic_frolic Nov 5 #12

I remember buying the last few days of the month. multigraincracker Nov 5 #13