9 questions to ask before financing a car. Car buying tips

Inside a car dealership, you have the finance manager. Their first job is to secure the deal for the car salesman. Then they sell you financing, warranty, gap insurance, and other ancillary products. enjoy these car buying tips.
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You can now find me at my own dealership in southern Indiana. My wife and I started Mike’s Car Store Located in Georgetown, In. Where Buying a Car Doesn’t Have to Suck™
We specialize in Late model Used cars for all types of buyers. If you have challenged credit we can definitely help you and ensure you don’t get scammed or pay too much. If you are a cash buyer or have excellent credit we will be glad to help you as well.
We are also specializing in our new Car Grabber service. If you are looking for a late model car and don’t want to contact a bunch of dealerships just to have them show you cars you didn’t ask for. We got you. Just head over to mikescarstore.com and tell us what you are looking for and we will get it for you.

[@redpooh5]

Man imma just go in there and play this video and say your my uncle lol

[@murielfields7445]

🤣🤣🤣🤣

[@jeffreywilliams7553]

Facts

[@redpooh5]

@@jeffreywilliams7553 man I ended up getting a Toyota lol

[@rashaddelee1097]

🤣🤣🤣💯

[@planetearth7824]

Imma???

[@suita76]

Just want to say that I asked the questions when the sales person presented the finance paperwork for my husband to sign…. his face was priceless, should’ve recorded it! The finance manager came over apologizing for the “misunderstanding”, and of course, hubby’s interest rates were lowered significantly!!!!

[@chanelslayyy2841]

I could only imagine 😂😂😂 my face going to look like his tmr when I go in for my car appointment

[@Princess15732]

how do the manufacturers rate compare to your lenders? does the bank have a pre-payment penalty? which credit bureaus were pulled? will you give me the risk based financing notice which term give me the best interest rate? after revealing interest rates ask the following: how many banks gave full approval? which bank are you gonna write the contract with? why did you choose that bank? did another bank approve me for a lower interest rate?

[@darkdragonc59]

I went to a dealership and they tried charging 5k for accessories that were already in the car. I asked if they could get rid of the charge and they didn’t. I walked out, but I think that’s accredited to your videos. I probably would’ve gotten scammed had it not been for you

[@artbettencourt8263]

I don’t hassle with banks if I want a car I go to my credit union if the dealership try to talk me out of my credit union and use there banks I walk out and go somewhere else and that’s that Mr Mike

[@mtnbiker014]

Why do you care where the money comes from?? Bank, CU, etc. APR should be the deciding criteria...period.

[@Jackdiddly1]

@@mtnbiker014 fr kia got me a better Apr then my credit union granted it was 1.7 to 1.5 but still

[@lostpuppyforever]

Hey Chevy Dude we wanna say THANK YOU! We wrote down all your questions and I asked them when we got to the question at 6:15 what you said about the eyes popping out really happened! Omg! I wish I could have recorded it! We were so tripped out! (maintaining our poker faces) That question worked and he actually told us another credit union came in lower by .02 percent brought down our monthly payment! To be honest we did not expect that to happen and when it did we were both ~ CHEVY DUDE~ We are musicians and had no idea what to expect during the car buying process but your videos made things easier to understand, Chevy Dude you seriously rock! We now have a touring vehicle. Just had to shout you out! Awhoooo!, Scarlet & BOOM from Lost Puppy Forever

[@adriand5066]

Did you take a small note book ? To remember all the questions ?

[@michaelmaldonado7023]

Great tips can’t wait to use these.

[@profezzorx9131]

Thanks for the info Mike. This is some great information to use during my next vehicle purchase.

[@ricwestdoesitwork]

Thanks Mike super information. And hello to Mrs. Chevy Dude.

[@latina305mami]

I love watching your videos. It's so ridiculous the amount of crap a customer has to do to get a decent price and loan etc

[@HiAnthonyA]

3:26 awesome touch with the fake text! I dig it

[@OscarGonzalez-mi4je]

I am sure there are many financial people that really hate you 😂😂 But thanks for your sincerity and sharing your knowledge with the community it is greatly appreciate!

[@4media-lover636]

Love watching your video, thanks

[@GrinderTV]

This information is worth millions...dealerships are there to make money and knowledge is power. Good luck with your new venture.

[@sealy81]

The Jim Carrey clip almost made me piss my pants, I love the channel!

[@garyglenn1445]

I just bought a brand new KIA an when I went into the finance office to sign the papers an they set that extra piece of paper in front of me with 8000 dollars worth of extra stuff that I didn't want or need an when I said no the look on there face was like I just cut there throat!!!! An it was all because of your videos an information.An because of you I made the right purchase for myself an am very happy.Thank You!!!!!

[@budsodastories]

8k on a kia!? Was it at least a telluride

[@jermainejpshepherd2778]

This is why my next Chevy will be bought from this guy. I don't mind the travel. Lol.

[@bling1634]

Cool video Mike

[@TBagr]

I got 0.0% on my brand new Z06 for 72 mos through GM financial

[@sassouusasoo3607]

You got ripped off

[@capedcrusader16]

@@sassouusasoo3607 how?

[@Bus_211]

I love your videos

[@iCanbEYOURrUKIA]

Yes, yes I'm taking notes 📝 ✍🏽

[@kenberan4875]

Mike , Excellent as Always, Buddy !! , & Happy Indy 500 day ! #5 car my pick to click ! For the Win ... a Chevy of course !!!!!!!! Pato O’Ward driver # 5

[@gwillis01]

In my experience, the loans that have a pre--payment penalty are the sub--prime loan type car loans.

[@conniecastillo3458]

So they say right now is the worst time to buy a new car because of covid..this sucks because I really need a new car. Enjoying your channel 😍

[@kenberan4875]

Mike ! “ Awesome “ Info ty

[@Upracefan]

Good info!

[@danieldavis7784]

I might be looking at a used corvette this week, so I might try some of these out.

[@coleg5578]

Worst time to buy a used corvette in 40 years my dude. -Chevy Sales

[@lucaspollard3968]

I took notes...cuz im looking

[@Mikael.formermilitary]

Chevy Dude. I will be in the market for a used Chevy 1500 Z71 in November. I will check-in then.

[@droopygg]

So for that last question. “Did another bank approve me for a lower interest rate?” And they say no. Can we ask to see what rates each bank approved us with? As a way to fully ensure they’re telling the truth. Is that something they legally have to disclose?

[@skareus6039]

@chevy dude we need answer on this. love your vids man!

[@Kotaro1326]

@@skareus6039 As cool as Chevy Dude is...he’s still working for a dealership. Perhaps when he changes jobs or retires.

[@ChevyDude]

I OWN the dealership. 😍

[@Kotaro1326]

@@ChevyDude Please don’t be mistaken by my maybe not very nice reply. I love your channel. I’ve learned a lot from you and you are doing a great service for the people but I still stand by what I said. I think the OP of this comment posed some really great questions and I (and I’m sure many others) would love to know what your thoughts on it.

[@daughterofzion9017]

@@ChevyDude😂😍😍

[@adamn5821]

Good info.

[@Lorena-OT7]

I love your videos, love your shirt too, makes me think of The Miz from WWE because He’s Awesome😂😂

[@cmb6780]

Sure wish I read this about amonth ago, before we actually purchased our 2022 Chevy Colorado. I learned a lot from this video. Love my truck, yet I think we could of got a better deal on the interest and payments. Live and learn! 😥

[@EthanHallesy]

I got these tips from the salesman directly before going into the finance office. I think the salesman knew the finance manager was scum bag. Doubt the salesman works at that dealership anymore haha. Anyway, good tips!

[@isabelcarvalho5842]

WOW! you are pretty good !

[@jennarollyson4107]

Just because we ask these questions don't mean they won't lie anyway

[@meenajones202]

They are lying already and people never ask these questions, that's the point. They won't be prepared to answer, and will default to just giving you what you want.

[@nathanashok697]

Just bought a new car three days ago and got a great deal! Your videos really helped me out

[@sassouusasoo3607]

How much were you able to take off the original asking price?

[@nathanashok697]

@@sassouusasoo3607 the online price was like 21, I got it for 19

[@sassouusasoo3607]

@@nathanashok697 nice !

[@nikkiblaylock677]

@@nathanashok697 this is sooo good! I bought my first car and this is the one thing I wish I did. Negotiate the sticker price. I was doing so much research on how much car I could afford, but forgot to sharpen my skills on saying “hey can can we knock off $2k”

[@carmenharris4715]

Informative

[@johnlacroix1639]

WOW 1st class very kool great info. AAAAAAAAAAA++++++++++++ again great video I liked it a lot keep up the great work

[@ChevyDude]

Thanks John.

[@rhode2hope948]

I am stopping here to get my car in the near future.

[@brunoboaz7656]

Just an observation here but have you ever considered starting a business where a prospective customer can hire you to represent them when they go to buy a car? It appears to me that such a service plus your videos would provide a very comfortable living for you.

[@Incognit05]

Those people are selling the cars 😂

[@kkurrocas6494]

Bruh, I had the same thought when watching this. Why aren’t there people to hire to help battle dealers.

[@banshee350back]

In one of his recent videos he gave info on a guy who does this exact thing I just can’t remember what video it is.

[@ChevyDude]

www.yourcarbuyingadvocate.com/

[@gwillis01]

I will have to remember "risk based financing notice"

[@squalley]

Wore the perfect shirt for this video 😎🥃

[@charlesig7098]

Maybe it's just because I've only worked at one dealership but I didn't know other dealers didn't provide risk based pricing notices to their customers. Seems shady to me... We run two bureaus and provide both. And require a signature saying we disclosed them to you.

[@bobevans5534]

Walked into my local Chevy dealer. Thet had two new 2 door, 2WD,work trucks. The MSRP sticker had $5,000.00 added to the price. Walked out, I don't need a new truck that bad.

[@keneofugotti4957]

One of the few smart people walking around looking for vehicles!! Most people just say hey.. go ahead and screw me over... That's why prices are still sky rocketing... Morons out there giving dealers what they want..

[@edprior2821]

Considering that verbal representations are non-binding (says so in the contract), what's to keep the finance manager from straight-out lying when you ask these questions?

[@clementemacias7636]

The fact that when the finance manager answers you then ask for proof. They have all the paperwork of the banks they ran your credit through.

[@JohnDoe-mv6go]

That’s called fraud.

[@1957kwick]

Do yourself a favor get pre-approved by a credit union that you belong to don't ever get in-house financing. Save yourself the grief and the hassle find the car you want get pre-approved at that amount or a little higher.

[@DairangerSentai7]

Question I need to ask • 2:15 which credit bearu were used? Will you give me the risk-based financing notice • which term will get me the best rate? Members 1st had 12-60 at 5.24% APR and 72 5.7% • After interest rate is revealed: How many banks gave full approval? • Why did you choose ABC Bank? • did another bank approve me for a lower interest rate?

[@divineluz1573]

I'm going to your dealership to buy my next suburban

[@vicentepineda2715]

I wish you would made this video earlier! Would of love to see they the sales & financing people faces!

[@1229Puffy]

I find the best interest rate before I shop, when they hit me with their high rate I ask them to print a buyer's agreement and tell them I'll be back with the money. I can get it for --------%. Never failed to get positive results.

[@dave1956]

I have friends who always get a “good deal”. Rarely have I felt like I got one. I would rather have a root canal than buy a car.

[@ndarkie]

Do these same questions apply to a lease? Are you stuck with leasing thru the manufacturer or do the dealers shop leases thru multiple lenders? Thanks for the great information!

[@dray1222]

Thank

[@11timesasamatteroffact.46]

Are these the questions to ask just at a dealership or at a bank or credit Union? I don't know how to explain these questions in detail if they were to ask.

[@TheGamingJuicy]

You can get a WRX or an STI for 2.5% right now just by financing through subaru.

[@rileyinks5112]

1. How do the manufacturer's rates compare to your lender's? 2. Does the bank have a pre-payment penalty? 3. Which credit bureaus were pulled? 4. Will you give me the risk based financing notice? 5. How many banks gave full approvals? 6. Which bank are you writing the contract with? 7. Did another bank approve me for a lower interest rate?

[@gsalad2525]

When are going to mention consumer/ and financial laws in each state

[@blessedforever1424]

You should just allow people to pay you go with them doing car purchase Jesus this is so needed !!!!

[@torrodrigues1017]

Thank you for the videos. I was wondering what vehicle allocations are and how they work. Tried to order a silverado and was told the dealership couldn't order it.

[@Oxios]

You probably found out elsewhere, but if anyone else sees this question and wonders - Vehicle allocations are basically an allowance of units that are made available from a manufacturer to a particular store. Most times, car dealerships can't just order all the cars they want. Manufacturers look at how many cars they sell, how many models within a particular vehicle category, and then say to the dealership "OK based on your past number of sales we'll give you X allocations to order in this month." Partly it allows the manufacturer to schedule out who they build cars for on any particular day so no one is waiting for all their cars to come in at once, but it also is designed to reward the stores that can sell all their allocated units as quickly as possible - since obviously the manufacturer wants market share and they will give more allocations to the store that's not going to have product sitting on the ground for a very long time. So depending on what you want, a particular dealership may have hit its max allocation and literally can't order any more from the plant until the next allocation cycle. The rarer the car, the longer they have to wait. Although sometimes, manufacturers for whatever reason (like regional lockouts) don't make certain build options available at all. Like I work for Ford in the ATL market and technically there are 3.0L diesel F-150s out in the United States but I've been st my store for years and we were just never allocated to build and sell one. Maybe 5 customers a year that I was aware of would ask about it but we literally couldn't help them.

[@bloomwithme5446]

Just found your page and subscribed! Thank you for the educational content! I have a question about #1. Are you saying that if buying from Honda/Subaru/Toyota, buyers can get a better financing price/interest rate at the manufacturer itself than at any of the bank lenders the dealerships work with? Do you just ask what the manufacturer rate is and say you will finance through the manufacturer?

[@chas766]

Honda will usually give a tier 1 rate .9 or 1.9% on new cars with credit scores 660 or higher. If your cs is 660, the will show you a rate of 6.9 to 7.9 because in reality, that's what the market with most banks are,. That gives the finance guy 6 to 7% points to add product and keep your payment relatively the same. That works out to 8 bucks per percent or $48 to 56 dollars you are over paying for your car payment vs the .9 or 1.9% honda financial was willing to give you. Look under finance promotions advertised on a dealer website and they will tell you what the special finance promotions are. Also if you are a college grad 6 mo from graduating or within 2 years after and or active military you can get additional $500 rebate. Hope this helps

[@valele]

@@chas766 so my sister has a relatively low cs but I’m sitting above 730, how do they decide then?

[@chas766]

@@valele they go with the highest credit score. There are no cosignors, you are considered coapplicants. So you will go on application as line 1 and she will go as line 2. And both your gross incomes are ultimately combined.

[@therealsaint3075]

I purchased a car from a car dealership and I needed to bring in paystubs and bank statements last week and that got my stressed out asf till I came across some great comments about deelscafe💯💯

[@therealsaint3075]

@Jimmy Cooks check em onna gram

[@therealsaint3075]

@Jimmy Cooks tf

[@gwillis01]

"Is there a better deal you are hiding from me that only pushy, persistent people are given? I want the "lower price just to get the annoying, pushy person out of the dealership" deal. I want to get all the discounts I can including the annoying, pushy person discount. " I think that is what Kevin H, THG, is [ really ] saying when he says his favorite line "Is that the best you can do?"

[@blackericdenice]

I got 2.09% with 75 months on $40k truck 6 years ago.

[@tdadp]

Hey their are good deals for an example getting free tint added .. I asked what your points are you getting back on loan .

[@swaggod226]

Thats what a car dealerships tryed to do to me they said my credit score was one thing when I was looking at it on my phone. Trying to stick me with a high apr

[@gladimusmaximus]

Hey Chevy Dude, I live in a 1 party recording consent state, so I was planning on secretly recording this whole conversation when I ask these questions. But I wonder, if I ask, for example, whether another bank approved me for a lower interest rate, what's to stop them from lying to me and saying no? I get that lying to mr would probably be illegal or unethical, but how am I supposed to verify what they're saying either before or after the fact?

[@BruceWayne-jg3hv]

What are your thoughts on using car brokers or professional car negotiators?

[@athickie]

Whats keeping them from lying about why they chose a bank to write a contract with or if another bank gave lower interest rate it they won't show you

[@sheepdawg23wm]

If a dealership is making money off selling cars, why do finance people that work for the dealership try to screw you with a higher interest rate loan? Aren't they essentially just helping the bank? Are they getting kick backs for doing that? I mean, it seems to me that a dealership would want to just find you the cheapest financing possible to make the car affordable so you'll buy it. What gives?

[@cocoagreen8661]

Hi there! I’m a newbie so be nice. Do you have any advice for buying a new car with this supposedly chip shortage or post pandemic?

[@ProbablyStonedComments]

Even though I have no intention of buying a new car, I love this channel. That being said, would you say your information would apply to a motorcycle dealership as well... specifically HD??

[@AP.Production]

HD dealers and a whole different breed.

[@ProbablyStonedComments]

@@AP.Production yeah it’s ridiculous, they want to run your credit before they even give you a price for a bike.

[@rickuyeda4818]

No worries, I pay cash!

[@sullivan9191]

I had a customer ask for the “buy rate” sheet from me... best and worst customer of all time

[@TheGeorgeee13]

what about the finance buy rate? I heard that somewhere that dealership will talk to bank and bank will give x amount of APR but dealership can charge higher and pocket the additional percentage as profit? is that true?

[@jenhofmann]

One question that's missing is how to ask to get the lower rate. Just "I would prefer the lower rate"? Or "What do I need to do to get the lower rate?"

[@BlackYellow07]

Car dealerships seem to be the most honest industry. Saints serving the public with a smile?

[@haunted-code4912]

Me: Asks these questions to a sales person Them: What do you mean? Me: Uhhhhh.....

[@jayem5807]

exactly why I'm doing hella research right now lol

[@blessedforever1424]

😂😂😂😂😂🤦🏾🤦🏾🤦🏾🤦🏾

[@7493prado]

Good time to run to the restroom and pull up this video again lol 😂

[@yaxel38]

When he's giving up all this tips is because his manager or financial guy there is unbeatable lol he definitely knows all the tricks to outcome this tips 🤣

[@Oxios]

At this point Mr. Davenport's been at his store so long his dealership probably couldn't get rid of him if they wanted to. There's benefits to dealers to having long term salespeople at their stores. But it's not uncommon for a dealership to sail through business that comes in from a long-time just to count their sold cars for manufacturer sales quotas. They figure they can make money on the randos whom walk in off the street without any research (which unfortunately there are people who still do that).

[@JA-tu3iu]

Wish there was more people like you, my wife and i went looking at cars and after telling them several times we just wanted to test drive a few vehicles they forced us into the financing office and had there guy just stare us down no words spoken we left never going back.

[@TheIncredibleHoosier]

Wtf??

[@manuelchavez3431]

Was going to buy a new gli, but now I don't think so .to much bs to go thru for a car

[@asmproductionsllc]

So.... do you have a Flow chart from the answers..... how do I use these questions to negotiate ??

[@alex45p]

I need to know if this stuff works in the uk on used cars

[@nokoolaid]

I feel like Mike would ask other questions as well that he's not telling us if he was buying a car...

[@apolloniaaskew9487]

Carvana and these online only car companies have ridiculous prices on cars. They make car dealerships look like a good bargain. The Carvana dealer in Memphis want $52,000 for a 2015 Suburban and $77,000 for a 2021 Suburban Premier without the Rear seat entertainment system and with 1300 miles on it.

[@jessicam522]

WTH!

[@gwillis01]

So what you are saying is: When the dealership shotguns your credit app to several different banks, different banks will respond with different interest rates. Ask what the different interest rates are. That's interesting. I've never heard anyone say just like that. Nice to know.

[@MSUSPARTANS1973]

If you’re seriously thinking of buying a vehicle, you need to do your homework. Go to your own bank, or credit union, and have them give you the best rate they can offer. Then when you’re at the dealership ask them the best rate they can offer you for financing. But don’t tell them you already got a rate quote from the bank. Generally what happens is the dealer gets a quote from the bank and jacks it up a few points to add more money to their pockets.

[@gwillis01]

@@MSUSPARTANS1973 Yes it is true that dealerships get a rate quote from the bank and then jack up the interest rate to add to their profit margins. A person should not let the dealership be the only source of information on any subject. Always do your homework first.

[@jessicam522]

@@MSUSPARTANS1973 hi! But does that mean that they will be running a hard inquiry every time?

[@MSUSPARTANS1973]

@@jessicam522 Yes, but it shouldn’t hurt your oversight FICO score. Any place that’s thinking of loaning you money fill for sure do a hard inquiry into your credit. BUT….I think there’s some “rule,” or “pass” you get when looking for a loan. The credit companies know you’re going to shop around, which means lots of people will be running credit checks on you. They don’t punish you for this by lowering your overall FICI score. I’m just not sure what this “pass” is called. If it helps any, no dealership loan will best that if a credit union…or your bank.

[@JoseGarcia-vd5qw]

Getting a new car in a couple weeks. I wrote all these questions down so i wonr forget them. Do you think i can bring price down even with the chip shortage????

[@blancacortez6086]

Is a service contract and add on ? If so how can I get out of it please!!!

[@gregory129]

How do you buy a 2024 ss collectors edition

[@nadimchadi9617]

Hi. I have a question i bought a car 2 years ago the car have accident but it was hidden by cover so i don’t know and when i asked them for what this cover they said it’s just for protect the car i trust them and i took the car after i took it to home i said why I’m not check the cover and see so i moved the the cover i found big accident in the front bumper in the morning i went to them and i told them hey this car have accident they said we don’t know cause when you took from us you signed the contract with no accident i said but i asked you about the cover and you said it’s not accident so i told them you have tow choices one cancel the proches or repair it they refused both of them but they are but one part and putted it the car . I took the car because i don’t know what to do and its my first time to buy a car and i told my bank too they said they are not responsible and i still paying for it Please please help me what to do here 🙏

[@Dynamis_Kalon]

Questions to ask: open ended with linking questions available to ask 1. How do the manufacturer rates compare to your lenders? 2. Does the bank have a pre-payment penalty? 3. Which credit bureau(s) were pulled to see my credit score? 4. Will you give me the risk based financing notice for all the bureaus that you pulled? 5. What term gets me the best rate? 6. How many bank gave full (exact amount needed to purchase vehicle) approvals? 7. Which bank are you going to write the contract with? 8. Why did you choose ABC bank? (Maybe gets bank best finance reserve, not interest rate) 9. Did another bank approve me for a lower interst rate? Questions not to ask: 1. Is that the best you can do? (close ended, usually with a result of yes)

[@1Builtcummins]

Are there any car extended warranty companies you recommend?

[@laneberger2472]

Could you do a video on dealer added accessories? Do you have anything to help us out with if you’ve found a car you really like but there is a bunch of dealer add-ons that you don’t want on there

[@MSUSPARTANS1973]

You simply say, “I didn’t ask for that, so we can take that off,” and keep going. I’ve gone so far as to get up and say, “C’mon, Let’s go outside. I’ll help you remove that..”

[@wildcard2884]

Watch KEVIN HUNTER. His videos are the best

[@darrinholstine5273]

What if you know your credit scores how do you have them use a good credit score not your lowest

[@craigcaruso2078]

I always lease a vehicle can you help me about information on products that I have to buy tire and wear protection

[@Oxios]

The only thing you are required to get is insurance on the leased vehicle. That doesn't change from buying a car. But you don't have to buy anything else. They'll say the leasing company will like it better but screw that. The money factor and residual won't change if you buy products so no need to buy them.

[@Alice_Haukea]

For me, I'm not sure how much I can make use of all this info. In my case, I'm tight enough on funds that lower payments really are my only options. Asking these kinds of questions may make me sound smarter and give me an advantage, but how much advantage do I really have when my funds at the end of the day limit me to 500/month payments? I suppose the short answer is to just come back when I have more money available. but....

[@Sesshomaru474]

have a cosigner who will help guarantee those lower rates.

[@allenvoss7977]

I already sign on the dotted line the banks got my $10,000 deposit and I’m stuck with a high interest-rate. How do I change that? Is it too late? It hasn’t even been 48 hours.

[@michellephilhower2191]

Watch out for a hard inquiry. A chevy dealer did that to me. I didn't even like the car.

[@minstreltokunbo]

Does this apply to credit union

[@fthisheat8600]

Can I trade in my vehicle that I still owe on but has front end damage. I didn’t have insurance at the time of accident The other party just had minor scratches and just agreed to a 300 on the spot payment to not report