Hearted Youtube comments on The Car Care Nut (@TheCarCareNut) channel.

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  38. couple things id add to this 1- never act desperate at the dealer, act like you could careless if you got that car or truck, if they see you are desperate they will take advantage of you 2- look outside the box, ie, find the small dealership in the middle of where, they will have less foot traffic and more likely to have something 3- NEVER use their financing unless is a promotional rate (ie 0%), the fianance department can, and will, bump your interest rate up to 2% (why pay more per month for the finance guy to get a kick back from the bank. BUT, do not walk in the door telling them you are paying cash or have your own bank check, as they wont even talk to you then, just push off the "payment" calculation by saying "oh ill worry about the payment amounts once we figure out what car/truck i want and settle on a deal" 4- get GAP insurance on your loan, as if you total the car/truck, and you owe $20,000 on it, and all insurance will cover is $15,000 it will pay the $5000 to pay off the loan! now youre not stuck paying $5000 for a car/truck you no longer have, or rolling that amount into a loan on a replacement car/truck, GAP insurance is around $120 total! this is the cheapest insurance you can ever buy!!!! i managed to sell my truck this spring for nearly msrp of what it was new (55k msrp for a 2016 ram 3500 cummins, and got 46k in cash for it with 50k on the clock) and paid off my loan for well more then i owed, went to the bank, paid off my credit card, and a personal loan my work car was taken on as it was too old for a car loan, and put the rest down on a brand new 2021 silverado, got $5k in rebates and $1k off sticker ontop of the rebates. all by driving 20 extra miles one way to a small dealer in the middle of no where, didnt tell them i had a pre-approved loan check at the bank, made the deal, and drove to my credit union, picked up the check, and drove back to the dealer. finance guy was mad as hell and pretty much threw the keys at me, i walked away smiling and got a way better rate then their "best" rate. also, dont overlook private party sales, you can find honest people who will work with you on the car/truck they are selling, and you can feel out how the vehicle was maintained, and maybe get a full folder of receipts of maintenance done to it. if they seem shady, walk away, if they bring out the folder, show you everything done to it, and talk about yep this was done and that was done, and are honest enough to say "yeah, it was in a small fender bender, heres some pictures of the damage" will possibly be more then any carfax will show, i had car i hit a deer with, it never showed on its carfax when i traded it in and looked at the listing when the dealer sold it, but i knew the whole front bumper, bumper support, and rad/core support had been replaced, and the front headlight was expoxied together for a mounting tab. just my 2 cents worth of thoughts
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