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Ok so after a lot of research and a test drive I very much want to get a 2010 Mazda3 GT with the tech and sound package. Now this being the first time I ever began the process of buying a brand new car, I'm a little worried and confused since its not like buying anything else and I feel I am being screwed over or I can get a better price some other time. I also hate the idea of haggling and I am very accepting on offers but only if they match near what everyone else is charging. So that right there I know makes me a horrible car buyer.
I have been going with the USAA car buying service because they gave me a trusted dealer and a flat price for the model and options I want and guaranteed no haggling would be needed which is a plus in my book. So after that I go to the dealer and they obviously don't have the model trim I want and explain the savings from the USAA service only applies to vehicles on the lot. But there is a one Mazda3 that is a little more feature loaded then what I want and they can trade from another dealer a state away to sell to me. Or I can order one and expect it sometime in March or April from Japan.
So using USAA again for pricing out the car they now offered to sell me from another dealership it comes out to $24,200 from the MSRP of $25,140.
Here is what I got from the guy yesterday after telling him I'd go home and think about it:
Now the rebate as explained from the guy is only if I use the financing from the dealership and the adjusted KBB price is the trade in offer for my current '97 Camry which is in ok shape with 166,000Mi. Now this already sound shitty and then from what I have read about processing fees I feel even more screwed over. Even the guy said for me to just sell my car somewhere else since that blew so much.
Now on the financing I'm confused. I have a credit score of 833 which will get the best rates. The banks I have looked at put the APR at an average of 5.5% where as the dealership bank is up there on the pic. Thing is I hear going through the dealership for financing is the worst idea. In either case I plan to make the down payment at least half the price of the car and then get a loan covering the rest. I am pretty financially stable and a loan would be my only debt so I am pretty confident that I could do a 3 year plan of an about $12,000 loan.
Man I'm so put off by this but I have been wanting to get a new car for almost a year now but have been playing wait and see. I don't want to get in that rut where you keep waiting till something good comes along and when it does there is something even better just over the horizon thus making you want to wait again.