r/askcarsales

Why is finance trying to mess up my loan?

Hey guys, I’m trying to figure something out. I helped a family member purchase a vehicle who put 20% down with 800+ credit score. Instantly approved by the bank through the dealership. They came back at a 9.19% loan on a 2021 car. I told them that it was unacceptable and that their credit union would give them 5.44% on the same loan. They said they don’t work with that credit union and they would only honor the deal if we did financing with them. Obviously I’m not stupid enough to let anyone pay a 9.19 loan since they are making tons of money on it so I told them no dice. I told them if the best they can offer us is 9.19 I would just have the car refinanced through the credit union. It did not seem to phase them at all. Literally 24hrs later the car was refinanced at 5.44%. I’m a bit confused, we negotiated on the sales price aggressively so I assumed they would make the money on the financing. But if I refinanced right away they didn’t make nothing on the backend. Why would they not try to offer me something closer to 5.44%? I saw their buy rate on the loan was 5.2% so they tried marking it up heavily to make up for the negotiated price. I told them if they got it into the low 6.x we would just keep the loan to avoid the hassle of the refinance and they wouldn’t budge. Did I miscalculare something here?

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u/Slowstang305 — 12 hours ago

Finance constantly ruining deals?

Yes I understand not every deal that goes to finance will materialize but we have 3 finance people at our dealership and on average do 4 deals on weekdays maybe 15 on weekends. From taking over an hour and a half to get people in the office, not contacting customers for deposits when they’re out of town, not paying any attention to deals where they can’t add an additional large intrest to the loan, it goes on and on is this common at every dealership.Ive lost maybe 4 deals over finance people and about to lose another with a $500 spiff if I could do it myself i genuinely would. If you have a good finance team what dealership do you work at????😂.

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u/beenballing713 — 13 hours ago

How do I speed this process up and get sales to find me what I actually need?

Hey everyone.

I'm a farm owner here currently shopping for a basic used work trim pickup. I buy lots of farm and heavy equipment, semis, machinery, bulk products, I deal with lots of sales people.

And I'm gonna be blunt here - car buying is hands down the \*worst sales experience\* of all of them. It is time consuming, things are never ready when I am told they will be, everyone wants to talk and not find me what I need.

I know what I want -make, model, years, features. I want a salesperson to find it for me, we negotiate a price, and I come with a check and drive the ready vehicle home. I want to do this via email, because I am busy.

What I am currently experiencing, and do each time I buy a small vehicle, is that I can't even \*reach\* anyone by email, if it's even given out at all. Everyone calls me when I say to email. They ask me if I would be interested in a 2WD black crew cab when I specified the opposite.

What are the asks or magic words to use to communicate that I want these specs, and when price is settled I'm coming to get it and that's it. Have it ready, sign papers, hand check, drive home.

I would rather buy 10 semi trucks and tractors than one pickup. It's so frustrating.

Is there a better way, or is this just how it is?

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u/Character_School_671 — 11 hours ago

Is Sales for me

I did read the pinned posts but I did want to get more insight on this

I am looking for a better paying job and my housemate is a tech at a dealership.

Given my ability to start unscripted conversations and talk to people he suggested sales

It is a franchise chevy/ CJDR dealership in our town (NorCal)

The pay plan is $16.90 an hour (State minimum) and the commission is 25% the description for the job says this:

The Representative Position has a Pay Scale consisting of the following elements and ranges.  Wages include Base Hourly Compensation of $16.90.  The position also pays potential commission compensation which is based on the value or amount of closed sales at the rate of 25% per sales achieved without any upper limit other than sales performance.  The position may also pay bonuses that range from $500.00 per month with an upper limit of $3,000.00 based on total units sales and CSI.

But my housemate was telling me about people being let go for being unable to sell 1 unit in 30 or 60 days

I am not sure what to do

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u/ResiysheikhB90 — 9 hours ago

Want new BMW @ out of state dealer - attempt local dealer trade, or purchase remotely?

Physically going to the out of state dealer isn't an option so would be a true remote purchase. Can't say how far it is because I found a few listings that may work, generally anywhere from two states over to halfway across the US. Which of these is the best option?

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u/Cold-Bar6350 — 10 hours ago

Transitioning out of car sales?

I have been in car sales for 3 years now and I do well for myself but the hours kill me.
Currently I am:
-working 65+ hours a week
-burnt out
-ready to move on
-25 years old with a wife and child on the way

I can’t foresee myself living this way and trying to be with my family in any meaningful capacity. I wouldn’t mind a pay cut (~$70,000 a year currently making 6 figures) but I need a stable job with less hours. I have read all the previous threads on similar situations and applied to 50+ jobs that were recommended but I can’t seem to find anything that is actually less hours. Any suggestions?

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u/sebastian4456 — 16 hours ago

Commercial Account Manager

What is a a typical pay plan for a commercial account manager? How much gross front and back. Debating between CAM or going into tech sales as an SDR and working my way up. Thoughts?

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u/2themoon93 — 11 hours ago

Lien release delays (what is going on)

Bought a used car back during spring from a small dealership, out of state, paid fully in cash. They were easy to work with before the purchase, but since then the delays and sloppiness with getting me the requisite paperwork is troubling.

First, they had to be reminded to mail me the title. Then I had to ask them for lienholder release letter. Then I had to ask for power of attorney (as they signed the title on behalf of the previous owner).

The lienholder is Westlake Flooring Services. The release letter I received is from Westlake Financial Services. My DMV wont accept it without an additional statement from Westlake Flooring attesting that they are the same business entity...

.. which for some reason the dealership is unable to get from the lienholder. It's been more than a month now, is it suspicious that either Westlake Flooring or my dealership is having so much trouble with this? Or are they just taking their sweet time or can't be bothered somehow..?

I guess what Im asking is, could there be something fishy afoot here?

Ive sent a formal request in writing to the dealership, then filing a complaint with DMV investigations next week, and then seeking a lawyer after if there's no movement.

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u/RandomMiter — 13 hours ago

Recap2 vehicle payment protection?

Has anyone purchased a product when buying a car called recap? Just curious what your experience has been with them as I can’t find any customer reviews.

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u/yayayayayayayhi — 14 hours ago

Title problem with dealer - whose problem is it to fix?

Hi!

First time caller.

My GF’s daughter bought a used car from a dealer about 4 hours from home.
Financed locally, dealer sent her temp tags. Fast forward six weeks and the dealer texted her, stating:

“The title is still not in unfortunately and I can Federal Express you a dealer plate to use but we need a $200 deposit. Can you please call in with a $200 deposit and then we can send you the dealer plate. We will credit it back once we get the plate back.”

Questions I have that I don’t know the answers to:

  1. Is the dealer trying to fleece her for more 💰?

2a) Could the car have a lien on it that the dealer didn’t know about, leading to the title holdup?
2b) And if so, is it on the dealer to clean that up?

  1. Should/Could the dealer just issue another set of temp tags until they get the title worked out?

  2. is there another scenario I’m forgetting or not considering?

It just seems odd to me that they’re after her for money when it’s the bank who gets the title… not her.

I’m not an expert in this stuff, but also not afraid to hop on a call with the dealer and get this worked out. Unfortunately, they looked at the two ladies (her mom as well) like they’ve never bought a car before. Rolling eyes here but maybe the dealer needs a man to talk to them.

Help!

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u/Resident-Report7878 — 17 hours ago

What are fixes someone should absolutely do before trading in thieir car to buy?

Hi there. I have a 2018 Subaru forester 2.5i premium with 85k miles. I'm awaiting a second opinion but am generally wondering which of these you recommend taking care of before I were to trade in my car (or even sell it to Carvana). Does this reddit group have the right folks to advise? Assuming "car sales" also has to do with taking trade ins?

I was told I needed: NEW COMPRESSOR, FREON AND OIL AND A/C DEY TRACER, TWO IDLER PULLEEYS, AND A DRIVE BELT.

Is the penalty for trading in a car with these issues going to knock the trade in price down more than the $1800 I was quoted to fix all of it?

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u/Ok-Set-631 — 23 hours ago

[UK] Questions about car dealers

My questions are as follows:

  1. To what extent are franchised dealers independent from the brand they represent, such as Vauxhall or Ford? I suppose, technically speaking, they're independently owned and operated, but pretty much have to procure their stock and services from the brand. Are they tied into offering the brand's credit facilities to prospective customers, or can they be a credit broker for multiple lenders?
  2. If I go to the Vauxhall UK website for instance, what is the point of getting my car booked in for an MOT and a service via their website if it will be fulfilled by one of their franchised dealers, who are, technically speaking, not owned and operated by them?
  3. How are independent mechanics able to better diagnose and repair issues on particular makes than the specialist mechanics for those makes? In other words, if an independent mechanic is able to identify and repair issues on a Ford car that the Ford mechanics should have spotted and fixed, how were the independent mechanics able to develop that knowledge that, in theory, only the Ford mechanics should have? By reading the Haynes workshop manuals?
  4. Can an independent dealer (i.e. not a franchised or main dealer) sell certified pre-owned cars, or is that diffficult, because it means needing a commercial agreement with the OEM(s)?
  5. Any dealer groups in the UK that own and operate both franchised and independent dealerships?
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u/plaguedbyfoibles — 16 hours ago

Suggestions for resume

I’m applying for a job in car sales and just wanted some feedback on a resume, yes I used AI just want some feedback from people with actual car sales experience.

Automotive Sales Professional • Customer Experience • Retail Leadership
| |
---------------------------------------------- P R O F E S S I O N A L S U M M A R Y ----------------------------------------------
Service advisor at a Subaru and Volvo dealership, ranked #1 in Express Advisor sales while maintaining a 98.6 SQI and 891 CSI.
Experience covers the full service-lane sales process along with a working understanding of how a dealership runs day to day,
from scheduling and shop capacity to repair order flow and department coordination. Accustomed to both high-volume Subaru
traffic and a luxury Volvo clientele that expects a higher-touch experience. Prior background in retail management with
responsibility for sales performance, staffing, and inventory. Seeking to transition into automotive vehicle sales.
-------------------------------------------------- A R E A S O F E X P E R T I S E --------------------------------------------------
SALES SKILLS AUTOMOTIVE SKILLS DEALERSHIP OPERATIONS TECHNICAL SKILLS Needs Assessment | Objection Handling | Upselling | Customer Retention |
Relationship Building | Product Presentation | Closing | Customer Follow-Up
Subaru & Volvo Product Knowledge | Service & Maintenance Sales | Repair
Recommendations | Warranty Processing | Multi-Brand Used Vehicle Knowledge
High-Volume Service Lane Management | Luxury Clientele Experience | Scheduling
& Shop Capacity | Repair Order Flow | Cross-Department Coordination
Dealership Software | Microsoft Office
----------------------------------------- P R O F E S S I O N A L E X P E R I E N C E -----------------------------------------
Service Advisor, Subaru & Volvo Dealership | 2024 – Present
Write service for Subaru customers in a high-volume express lane while assisting the Volvo side of the store, with performance
measured on sales production, customer retention, and satisfaction scores.
#1 Sales Performance: Ranked first in the Express Advisor department based on sustained sales production and customer
engagement.
Customer Satisfaction: Maintained a 98.6 SQI and 891 CSI while managing a high daily vehicle count.
Consultative Selling: Assessed vehicle condition and customer priorities to present appropriate maintenance, repair, and
additional service recommendations.
Objection Handling: Addressed customer concerns involving pricing, timing, and repair necessity while maintaining trust and
retention.
Relationship Management: Developed repeat business through direct communication, consistent follow-up, and accurate
estimates.
Product Knowledge: Maintained working knowledge of the Subaru and Volvo lineups along with the range of used vehicle
makes serviced in the lane.
High-Volume Operations: Managed a full express-lane schedule daily, balancing appointments, walk-ins, and available shop
capacity without sacrificing turnaround time.
Luxury Clientele: Assisted the Volvo side of the store as needed, adjusting communication style and level of detail for a
higher-touch, luxury clientele.
Dealership Operations: Coordinated with technicians, parts, and other departments on repair order flow, parts availability,
and workload distribution to deliver accurate estimates and realistic completion timelines.
Customer Retail Manager, Advance Auto Parts | 2023 – 2024
Managed daily store operations with responsibility for sales performance, staffing, inventory, and customer service.
Sales Performance: Drove store sales by identifying customer needs and recommending appropriate parts, fluids, accessories,
and complementary products.
Team Leadership: Supervised staff and upheld performance standards across daily store operations.
Customer Experience: Resolved customer concerns professionally in a fast-paced, high-volume retail environment.
Product Expertise: Developed broad working knowledge of automotive parts and applications across a wide range of makes
and models.
Operations: Oversaw inventory control, merchandising, transactions, and open-to-close store management.
------------------------------------------------------------------ E D U C A T I O N ------------------------------------------------------------------
| Currently Enrolled
| High School Diploma, 2023

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u/Thatswhyn0t — 24 hours ago

Moving into management

I’ve been a salesman at a domestic dealership for a year and a half now. It’s the first and only place I’ve sold cars. I was bad at first but now I’m doing well and usually sit around 15-21 cars a month. Currently at 16 cars for the month of August and roughly 11k in commission. I was asked by my manager if I ever considered a future in management. I was apprehensive because I’m making good money at the moment on the floor. I told him I’d like to sell cars still for now but would be interested to see what a sales managers role entails. Told him that sometimes I get burnt out from being with customers constantly for 12 hours socializing. He told me I’m doing good right now and to “keep doing what I’m doing”

Do sales managers on a gross pay plan typically do as good or better monthly income as a salesperson? I’m paid 25% of the front or 30% to 35% depending on unit average. Did I blow up my chance not giving a direct answer?

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u/Limp-Entrance5458 — 1 day ago

Salesman wants sister to sell car back. North Carolina/USA

The salesman that sold my sister her little ford SUV, edge (Ford Dealer)? Called and asked if she would be willing to sell it back to them, I think this is a sales tactic but she wants to go in and see what they want, advice?

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u/goodjobjus — 1 day ago

Weird situation involving trade in

So I have a weird situation. I’m ordering a new 911 from the Porsche dealer. They agreed to not charge me any ADM but they really lowballed me on my trade. Essentially, they’re making money on my trade-in to make up for the loss of ADM.

The new car is not expected until January so I decided to try to list it online. Interestingly, enough, somebody from the Land Rover dealership, also owned by the same group, contacted me on Facebook and offered to buy it for $12,000 more than what the Porsche dealership was giving me. And the additional benefit is, I would still get the trade in tax credit.

I haven’t contacted My Porsche salesman yet to tell him because nothing is finalized yet. But is this gonna create any awkwardness between us? Is he gonna be upset?

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u/omaralt — 1 day ago

How much do you guys make?

Please state the brand you sell and how much you have made in sales with selling cars. Looking for a sales gig once I save up more money at my current job to take that risk. How much do you make selling cars?

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u/CompleteNail2348 — 3 days ago

Advice

I recently bought a used car and the sales guy told me it was bought from the dealership and it was always serviced there, etc… he was reading off the service history because I was worried about it. Well a few weeks later and I find an old insurance card in the glove box showing the car insured in a whole other state which is a far cry from it spent its life local to the dealership. I now want to trade because I feel I was extremely mislead. I went and talked to the salesman and he said “I just read the first and last page” he didn’t he acted like he went through the whole history given his statement of “it spent its whole life local”. I was going to speak to the salesman manager the next business day, but I suffered catastrophic loss in my family and put the car on the back burner in order to take care of my family. Now it’s 2 months later and I am finally able to get back to the dealership. I realize I will take a hit, but is there anything I can do? It seems I was unlucky and got a less than ethical salesman the first time around

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u/Dismal_Hedgehog9616 — 2 days ago