Quote:
Originally Posted by Peter P.
The rule of thumb is to keep discussions about trade-in separate from the purchase price of the vehicle.
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A good way to force this is to call/email and do as much of your negotiation on the price of the new car remotely. Then they never even see your "trade" if you even have one.
You can spread your net far and wide and actively play the dealerships off each other.
I would basically be in the same situation next time I buy a car. I want to keep my Subaru going till I can give it to my son, and if I don't want to I will have no need to take a loan.
But if loans are out there at 0% or 0.9% and investment returns are great I'll get a loan. Several times I chose the car I bought back when I did need a loan based on which one I could get a great rate on. 2 out of the 4 cars I've owned I managed to get a 0.9% rate.