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I am a woman in car sales
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CarGuru > Technology > I am a woman in car sales 24 February 2005 03:06:05
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I am a woman in car sales

Carsaleswoman 23 February 2005 19:03:32
 I find the job very lucrative. You must be able to look beyond all the
bull. I previously worked at a dealership and found my biggest problem
was with another woman! The hours are long...I would stay away from big
city dealerships. I work in Connecticut. I would be interested in
hearing from women regarding this. Kindly use this group or the new
group I started... Don't bother to email me junk...it goes right into
junkmail.
I am so glad I found this group!

Add comment
Bob Paulin 23 February 2005 20:54:29 [ permanent link ]
 SInce you're in car sales, maybe you can answer a question for me???

If I have a choice between $2,000 cash back OR zero percent financing, and
I choose the financing......

.....hasn't that "zero percent financing" just cost me $2,000?




Add comment
Tom Murphy 24 February 2005 03:06:05 [ permanent link ]
 
Bob Paulin wrote:> SInce you're in car sales, maybe you can answer a question for me???>
If I have a choice between $2,000 cash back OR zero percent
financing, and> I choose the financing......>
.....hasn't that "zero percent financing" just cost me $2,000?

I'm not a car saleman, but I believe that I understand the math (and
the reasoning behind these offers). Yes, you are paying $2000 for the
0% financing, but you still almost certainly come out ahead over the
term of the loan. Heck, 5% interest on a $40,000 car could be close to
$2000 in just the FIRST YEAR!

I think these offers are designed for folks who actually put the cash
in their pocket, rather than apply it to the down payment. This is what
the dealer and lenders want. Those buyers may or may not realize that
they are paying interest on that cash for the term of the note. It also
serves to add another point of confusion for the buyer which always
works in the dealer's favor.

That tells you that the dealer/manufacturer­ are willing to give up
sales price dollars in order to get paid interest on the loan. I
suspect that the dealer gets additional factory incentives for the
loans with interest attached.

The other angle is that only buyers with outstanding credit will
qualify for the 0% financing, but oh, you don't find that out until
you're already in that little room blinded by the sun gleaming off the
hood of your dream ride. It's not exactly a bait and switch, but it's
close. I'd be surprised if more than 2% of car buyers actually end up
with the 0% loan.

Man, I started out with a simple reply and ended up in a full blown
rant!

Sorry!
Tom

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CarGuru > Technology > I am a woman in car sales 24 February 2005 03:06:05
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