Finance then refinance
#16
if you're a college grad, i think they give the rebate two you if you graduated within the past 2 or 4 years i can't remember. if you are a graduate (masters, MBA, phD, etc), there is no time limit, they'll always give it to you. and what i meant by taxes and processing fees is find a dealer whose willing to work with you on the taxes and fees. with vehicle tax it varies by state. with processing fees it varies by dealer (one dealer wanted $500 for processing, f-in nuts!!!) they can always massage that kind of stuff. the delivery fee as well. my internet salesman fumbled the numbers and said delivery was 455 instead of 910. when i saw the finance break out, it was 910 for delivery but they gave a "dealer discount" for 455 at the bottom. so yeah those dealer a-holes can always fix the numbers anyway they want!
#17
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#18
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if you're a college grad, i think they give the rebate two you if you graduated within the past 2 or 4 years i can't remember. if you are a graduate (masters, MBA, phD, etc), there is no time limit, they'll always give it to you. and what i meant by taxes and processing fees is find a dealer whose willing to work with you on the taxes and fees. with vehicle tax it varies by state. with processing fees it varies by dealer (one dealer wanted $500 for processing, f-in nuts!!!) they can always massage that kind of stuff. the delivery fee as well. my internet salesman fumbled the numbers and said delivery was 455 instead of 910. when i saw the finance break out, it was 910 for delivery but they gave a "dealer discount" for 455 at the bottom. so yeah those dealer a-holes can always fix the numbers anyway they want!
#20
Correct, you can't have two loans on one car. I tried, and failed, not bc I didn't have the money, but wanted to boost my credit by paying the down payment loan a month after and financing with Lexus to get the rebates. Btw, don't let them tell you you can't finance any less than 10k. It's bull...but then if you do finance with LFS for say $5,000, where the hell are u going to get the other say $40k?
#21
Yes, rebates can expire. It's based on what LFS is offering, each month, each region. However you can lick them in. I think it's called a "call in" my rebates expired 1/2, but the dealer didn't have the car until 1/14. I out $1k down showed I was serious, and they did a call in to lock my rebates.
#22
They didn't match my CU rate but they came closer than original quote and I did get the rebate.
#23
I don't understand your logic. Lexus has a special APR for 1.9 or take 750 rebate and take regular non special apr thru lexus only. To take advantage of 750 rebate, you have to finance thru lexus. If you did take the rebate, how can the dealer match the lexus special apr of 1.9, that defeats the whole purpose of 1.9 or the rebate.
#24
I don't understand your logic. Lexus has a special APR for 1.9 or take 750 rebate and take regular non special apr thru lexus only. To take advantage of 750 rebate, you have to finance thru lexus. If you did take the rebate, how can the dealer match the lexus special apr of 1.9, that defeats the whole purpose of 1.9 or the rebate.
#26
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It looks like I will have to finance with LFS to get the $750 and then refinance with my CU for the lower rate. I'll see what kind of rate I can get from LFS but it's doubtful they will match or beat my CU of 1.9%. As was stated, right now they are advertising either $750 or 1.9% which goes thru 3/31 in my region.
The car arrives at the port tomorrow night so it's getting really close.
The car arrives at the port tomorrow night so it's getting really close.
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