The quest for the vehicle continues. Right now, it is deciding whether to go with what the Bank has offered me, or go with what the dealership can do. But for now, I am still looking. I have already lost two great deals becuase my Bank took so long drawing up the paperwork, and I fear I might loose another becuase these things take so long to do up here–I just got approval, but at a lot less than what I need for around here. But at least I have options, so I decided to give the other side of the street a look, in other words, I might skip the Bank altogether and just go with dealer financing instead.
I totally understand, or at least I think I do, the inner workings of what buying a car is all about. Each dealership seems to have slight variations on selling vehicles. Some include the sales tax and dealership fees, while others do not. Some have “special buys” with tax included, while other “special buys” come with packages attached that usually cost extra money. One dealership that I went to told me that all of their cars have no tax included on the sticker price, or other fees attached. So, going car shopping means you are confronted with a sale person who wants the deal to go their way, so you have no idea what is in fact a good deal or not, but they make it sound so good that you are getting a break. The question is, are you getting a break?
So I think I found a car that will get me by for now. I am going to go with the dealership financing instead of the Bank pre-approved loan, just becuase it is fast for everyone. Sure, my Bank will loose their cut, but they still have me as a customer. All I want is a car, albeit a used one, but still new enough that I can sell it again, and go for something I really want later on when build my credit score, or buy it out-right.
I had no idea that buying through a dealership up here in Terrace was a pain. Now I see why so many choose to save first, then buy out-right. It makes sense now. Even talking to people who have awesome credit scores, and good financial connections, are still faced with a huge waits. It is way different than what services you get down in the Lower Mainland in my humble opinion. But I can not knock anyone person directly–everyone has been great helping me out. I understand that I am asking to borrow money, so I do not mind paying extra for that, but I need a car now, not later.
So tomorrow I try again. This time me a Suz., will go down together and look. Maybe the Car Gods will be on my side then, and all will work out. For now, all eyes are looking in all directions, searching for that car with the right fit.