Can buying help

[Jackofalltrades]

I'm a bad negotiator and I couldn't get through to Dave Gettleman, so I turn to you guys. My credit sucks so I'm looking for something used for my expanding family and it must be cheap and affordable.

I'm only interested in the Sienna or Odyssey and I found this, it's in great shape and I can finance it and get the payments where I need them, but they got the approval done at list price.

Should I really just be happy I got approved and not negotiate? If I were to try to get a better price what would you guys recommend as a starting point and a bottom line?

Thanks!

http://www.carolinaautosports.com/mobile/mdetails.aspx?VID=251524379

[Jackofalltrades]

Ok, so the title SHOULD read Car, not can...

(Hides was waits to see how quickly SCP responds to title for suspect toilet ref)

[PandaPancake]

I prefer steel cans.

[PandaPancake]

Always negotiate. What are they going to do? Take the credit offer away?

[Jackofalltrades]

No, but I don't know what is reasonable.

[Panthro]

Finance through a credit union

Is BS on bad credit = msrp.

If they can approve you at one price they can approve you ay another

They are already going to pound you on the interest and now price.

Run don't walk

[PandaPancake]

How do the tires look? Body damage? How much is left on the brakes?

Have you watched Pawn Stars buy a car? They have some good tactics on getting a lower price

[Panthro]

What are the rates months and monthly price?

200 a month at 60 months pays for it.

[Jackofalltrades]

It's in great shape, new tires.

Didn't tell me a rate but my math has it at 25% on 48 months. I haven't committed to anything and won't because I'm not in a hurry. I do have 2k for a down payment and a trade at around 2k.

I was offered a 18.5 by a Ford dealership with a co-borrower.

[Panthro]

Ok tell me the monthly payment. No way it can be 25%.

Sorry for being blunt but I hate when people get taken advantage of

[Jackofalltrades]

What I was told was 9k loan, 298 per month on 48 month term.

[toldozer]

Yeah 25% is what it comes to. I would deal with a legit dealership. Find a car online and see if they can pre approve you before you step foot on the lot. With a rate that high I doubt you could go to a credit union and get a loan I could be wrong though

[MadHatter]

Yep, 25% interest which is agregious and borderline criminal in today's economy.

[Panthro]

I see that I just couldn't believe it