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  1. #376
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    Quote Originally Posted by Eazy_E View Post
    I couldn't get a good enough deal on the financing for an XV so I walked out. Mostly, it came down to the fact that I work as a valet and over half of my income is unreported tips. Even though the payment schedule we worked out would be almost what I pay on my current vehicle(with no problems, btw), once I showed them my stubs, the deal went sour.

    They came back with a final payment schedule and interest rate that was $13 a month more than I said I'd pay, and I walked out. I really wanted a new car, but hey, gotta have some principles. It felt awesome to walk out though. They had me in a loaner car for four days, we had a deal all hammered out, it was the next thing to sold, I mean literally all I had to do still was sign one more time and it was mine, and I walked out on them over $13 a month. That was two days ago and I still feel awesome. I bet that sleazeball sales guy already had the commission check spent.

    I'm just waiting to see how long it takes for them to call me back with their new "best offer." Gonna tell them to shove it the next time too.
    Wow, you sound like a dick. If they had a "new best offer", you would have heard it by now, but instead, you assume that they were being *******s, when in reality they were probably struggling to get you bought because of your work history. Let me guess, you don't claim taxes on those tips, right? You're not exactly someone banks are jumping up and down to get financing for.

    Subaru's current finance offerings are typically better or equal to credit unions- assuming the dealers aren't marking their rates up. So it is indeed always good to have something like a credit union so you can use that as ammo to get the best rate possible, be it from one source or the other, but in the case of this dude, his job is what effed him. If he reported his tips on his taxes and was otherwise good credit-wise, I imagine he could have gotten where he wanted to be.

    But yeah, it's always the shady car dealership. Pfffft
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  2. #377
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    Quote Originally Posted by XJaredX View Post
    Wow, you sound like a dick. If they had a "new best offer", you would have heard it by now, but instead, you assume that they were being *******s, when in reality they were probably struggling to get you bought because of your work history. Let me guess, you don't claim taxes on those tips, right? You're not exactly someone banks are jumping up and down to get financing for.
    Whatever, dude. I drew a line in the sand and they were over it, so I walked out. I could care less if I was seeing their "best" or not.

    And yeah, I know the fact that I have significant cash income could be seen as problematic. Seriously, no waitress, casino dealer, valet, self employed, barista, or other primarily cash based earner has ever walked in to buy a car? What do they do? I know NINJA loans are out of vogue these days, but buying a car is hardly an unsecured loan.

    I know nothing happens at a dealership that's to the customer's benefit, but at the end of the day, I felt the new deal they were talking was exceptionally outside of my favor so I took the pass. If that makes me the bad guy, I'll live with it.

  3. #378
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    Subaru XV Crosstrek

    In reality you sound like a high risk loan so they probably gave you the best they could given that.

    Imba members gets some nice deals on new subarus FYI
    WHY ARE YOU YELLING??!1

  4. #379
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    Quote Originally Posted by Ilikemtb999 View Post
    In reality you sound like a high risk loan so they probably gave you the best they could given that.

    Imba members gets some nice deals on new subarus FYI
    When I was shopping, the XV was excluded from most of those discount programs. My wife had a professional organization discount with Subaru better than IMBA's discount, and the XV (and a couple other models) were expressly excluded from the promotion. Same deal with the XV and the IMBA discount when I looked.

  5. #380
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    On paper, I can see the high risk thing, but in reality, I don't get it. If I have a history of making a $320/month car note on time, what's the problem with me getting a loan with a schedule of $360/month(the original deal we settled on.) Just because I make most of my money as cash, that means I'm high risk and that entitles them to hit me for 2-4% more on the APR? And again, it's not like I walked in and asked for an unsecured signature loan.

    I can see their logic, but there's also a couple of other factors that come into play too. I'm not losing sleep over it. They can keep it.

  6. #381
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    Quote Originally Posted by PatrickK View Post
    On the side note, I think Subaru is really out of touch design wise. It really saddens me.
    I'm not going to say that they're always the hottest looking cars around, But they're handsome in their own plain way, and the design is long-lived. (my 2001 Outback wagon is still a nice looking car.) They look rugged enough.

  7. #382
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    So, I walked out of the dealership on Saturday. Today(Tuesday) and they've called me twice by 1:30. See? I'll probably wait until tomorrow and call them back and see what they've got this time. I'm kind of over this whole thing, but if they can sweeten the pot significantly, I might still be down.

  8. #383
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    See, your "line in the sand" is completely arbitrary. If you are lucky, it will be realistic enough that they can make it happen. But frequently people say "oh I want to be at $200 a month for 5 years on this $30,000 car with no money down" and they just pulled that number out of their ass, basically.

    They are probably calling you to see why they went through all that trouble to get you bought and now you just disappeared. Granted, they could be a totally shady dealer, I dunno. But whenever we have people who are waitresses, valets, etc, we typically have to work super hard to get them bought and not at heinous rates. All I know is that regardless of how much you make, unless you can prove that income, you are going to not have an easy time getting an awesome rate on a loan. I understand that tons of careers are largely tip based. That is all well and good until things like loans and taxes come into play.

    It just irks me when people are like "lol I walked on that shady car salesman, I bet they are scrambling now to come up with a better offer", because I am never nothing but straightforward with my clients, and when I say "this is the best I can do for you", I mean it. That terms shouldn't be thrown around lightly- I get that as a whole, the industry is shady, but that is changing.

    Unless you know exactly what your selling price was in relation to true cost, incentives, etc, trade value if you have a trade, and the buy rate of the loan they have worked to get you, you shouldn't really assume that they are holding out on you. If they are, well screw them then, but it isn't always the case.

    The best thing you can do is go through a local credit union to see what kind of rate they can do for you, and use that as ammo. If you want, PM me the MSRP and what the selling price is and I'll see if I can help.
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  9. #384
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    Well, they came back with a payment that was $50 a month less than their previous best, and I got them to agree to come up $200 on my trade so I don't have to roll any negative equity into the new one.

    One thing that I thought was shady was they called me back with their newest offer "without an extended warranty." Huh? I never asked for an extended warranty or even was told I was being up sold one. How much did those snakes stand to make on that little side deal? I should have walked out and stayed out just on that, but the deal did cross over into "favorable" and XVs with manual transmissions and the options it has aren't really falling out of trees.

    Getting $7200 in trade out of a 2006 Ford Ranger that had $6500 worth of front end collision damage five months ago, along with a few other nagging problems(rotors are warped, AC is weak, and the heater suddenly quit working) isn't that bad, IMO. Lot easier than trying to sell it on Craigslist.

    Between the new payment and insurance, I'll be into the new one for roughly $50 a month extra. For a brand new car, I can live with that.

  10. #385
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    Ohh, so they were just shady then. That sucks you had to go through that. I don't know of any dealer who tries to automatically pad a payment with an extended warranty, that is really crappy of them. Also, it sounded like a freaking expensive one if it dropped your payment by that much. Yeesh
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  11. #386
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    Quote Originally Posted by XJaredX View Post
    Ohh, so they were just shady then. That sucks you had to go through that. I don't know of any dealer who tries to automatically pad a payment with an extended warranty, that is really crappy of them. Also, it sounded like a freaking expensive one if it dropped your payment by that much. Yeesh
    I went through something very similar. I was at a Subaru dealership that refused to let me talk to financing guy (I was buying a used subaru) until I had signed some paperwork agreeing to buy the car and put down the deposit...then they let me see him...and he promptly told me that in order to get financing for a used car through their dealership, I had to:
    1) Get an extended warranty (on a used car)
    2) take an absurdly high interest rate that he would look up in a little book he had on his desk.
    He then proceeded all sorts of veiled threats about witholding my deposit or delaying giving me the keys and how the car could be a death trap in New England unless I agreed to finance through them and buy the extended warranty.

    Literally he said to me: "Without this warranty, we can't guarantee that you wont break down and get stuck somewhere in the middle of winter...and it gets pretty nasty in New England in the winter, pretty dangerous to break down somewhere."

    I told him I was having none of it, told him that I was not financing through the dealer because of him and his behavior and walked out. He actually yelled at me out across the floor that I was jeopardizing my deposit on the car if I couldnt come up with $x,000 by the next day.

    I went straight from dealership to a credit union, got a loan that was 6 percentage points lower than theirs, went back to dealer a few hours later, gave them check and picked up my car the next day. On my way out I gave them a letter telling them why I would:
    1) never buy a car from them again
    2) dissuade any friends from eveyr buying a car from them
    3) never bring my car in for service there


    Moral of the story: If you are buying a Subaru in Massachusetts, PM me and I can tell you where not to go. And just because Subaru's are great cars, does not mean that Subaru dealers are nice people.

  12. #387
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    Quote Originally Posted by XJaredX View Post
    Ohh, so they were just shady then. That sucks you had to go through that. I don't know of any dealer who tries to automatically pad a payment with an extended warranty, that is really crappy of them. Also, it sounded like a freaking expensive one if it dropped your payment by that much. Yeesh

    I know, right? I don't care if you try to sell me an extended warranty that you get a fat commission on. I know it's mostly a hose job, so I'll say no and we'll move on. The fact that the finance guy just added it in without saying he did, that's what pisses me off. I'll say something about it when I go in there. Trying to pull a stunt like that just reinforces the perception that every car dealer is a thief unless they can explicitly prove otherwise. It sucks, for sure.

    Honestly, if you got a look at the finance guy they trotted out to talk to me a couple of times, he looks exactly like the type of guy who would be an armed robber if he had a spine, but instead, he gets to do the same thing and wear a suit and tie to work instead. At the end of the day, I'm getting a car I want and a deal I can live with, so I'm cool, but it's just been a lame experience.

    If you're an honest car dealer, I applaud you, it's just that your business is full of thieves and liars and it's a lot safer to assume everyone is until they can prove differently.

  13. #388
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    Moral of the story: If you are buying a Subaru in Massachusetts, PM me and I can tell you where not to go. And just because Subaru's are great cars, does not mean that Subaru dealers are nice people.
    Why do we need a PM? Lets hear who the dealer is.

    I'm in eastern MA and my GF is considering a new Subaru Outback or Forester so if we have a crappy dealer that's still up to old dealer tricks call em out right here for everyone.
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  14. #389
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    Disclaimer:
    This was 3 years ago and the finance guy was pretty old, I was at Subaru of Wakefield. That one guy ruined the entire dealership for me. Now when I need an dealership work done, I go to cityside.

  15. #390
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    Quote Originally Posted by NateHawk View Post
    When I was shopping, the XV was excluded from most of those discount programs. My wife had a professional organization discount with Subaru better than IMBA's discount, and the XV (and a couple other models) were expressly excluded from the promotion. Same deal with the XV and the IMBA discount when I looked.
    Just copied and pasted from the IMBA website: Subaru's VIP Program allows IMBA individual/family members and IMBA member clubs to purchase or lease any new Subaru saving $1,300 - $3,300 off the manufacturer's suggested retail price, without haggling. The program is open to all Subaru models including the WRX, STI, BRZ and XV Crosstrek models.

    So if the dealership is not honoring this there is some miscommunication somewhere. I just emailed IMBA for the letter needed to take to dealerships asking for the invoice price on a XV for my wife.

    Josh

  16. #391
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    Subaru XV Crosstrek

    That policy has changed since i started shopping. My membership had lapsed and i wanted to know if i needed to renew last summer/fall. I renewed after we bought it so what it says now is irrelevant

  17. #392
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    Well, all is well that ends well. Picked up my XV Crosstrek yesterday morning. It was a PIA, but I'm glad it's over with.

    That POS finance guy tried like hell to sell me an extended warranty, but I told him no. He even tried to liken it to having health insurance. LOLwut? I know that's how he gets a fat commission, so it felt good to say no.

    Anyway, I wound up getting 4.25% on the loan, a hell of a lot better than their previous best of almost 8%. At 4%, that's almost the rate of inflation, so I'm okay with that.

    One thing, mine is the five speed manual, and the dashboard computer is showing 35.1 MPG average. That was on a 100 mile round trip on the highway with AC and the cruise at 65 or so. Can that be accurate? I'll calculate the next tank by hand, but it's it's legitimately getting 35 MPG on the highway, I'm hella happy with that, especially since it's brand new.

    Planning on a skid plate and a trailer hitch in the near future. Maybe a short throw shifter and STI pedals too, but that can wait.

  18. #393
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    Got the Torklift hitch installed over the weekend and got the vehicle back this morning. Can't tell that the hitch is even there when the cover is on the bumper port. Wife is absolutely thrilled about that part. Looking underneath, there's plenty of space for hitch pins and such, but you have to do all of that inside the bumper. May not be the best system if you're towing a utility trailer a lot, but more than fine for bike racks and stuff. And it maintains the vehicle's ground clearance.

    I'll buy a wiring harness at some point later. I do plan to use it for a small utility trailer at some point, but not in the near future. I have been thinking of attaching a set of trailer lights to the bike rack I buy. I've seen it done on a couple of racks, presumably because those folks have been ticketed by small town officers trying to meet their quota or some such.

  19. #394
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    I went ahead an ordered a Curt trailer hitch from Amazon. Decided to go with the $4 overnight shipping with Prime. For a large/bulky item like that, why not, right?

  20. #395
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    Lets see some pics of the new car. Gas mileage still looking nice for you?

  21. #396
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    Well, it's highly unlikely, but it is possible. It's been mostly confirmed that some of these engines get higher mileage than they really should and most do, so you may have gotten one of the golden ones. Try comparing your speed with a gps tracking tool on your phone or nav device. Some cars have been known to clock their speed differently and give inaccurate readings, so either that's whats going on, and your best option is to just be aware of it, or you got hella lucky and you should go smile.

  22. #397
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    I bought the Crosstrek XV, installed a hitch and documented it.

    Review: Subaru XV Crosstrek ? Able Mountain Biker Vehicle? | Mountain Bike Review

    Next step, Rubicon trail or Rally course.

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  23. #398
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    I bought the Crosstrek XV, installed a hitch and documented it.

    Review: Subaru XV Crosstrek – Able Mountain Biker Vehicle? | Mountain Bike Review

    Next step, Rubicon trail or Rally course.

    fc
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  24. #399
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    Quote Originally Posted by francois View Post
    I bought the Crosstrek XV, installed a hitch and documented it.

    Review: Subaru XV Crosstrek – Able Mountain Biker Vehicle? | Mountain Bike Review

    Next step, Rubicon trail or Rally course.

    fc
    Very nice! I love that color the best... Looks great with the bikes on it.

  25. #400
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    Quote Originally Posted by Live2rideUtah View Post
    Lets see some pics of the new car. Gas mileage still looking nice for you?
    No pics yet. I need to wash it first. You know how it is.....

    Gas mileage has more or less settled down on 33 MPG average or so. That's mostly just doing a 15 mile one way commute with about equal city and highway driving. For a car that should max out at 30 on the highway, I'm pretty happy. I got that trailer hitch on it and with a Santa Cruz Tallboy LT hung off the back, it still showed 34ish average for a 200 mile round trip.

    Now that I'm off the break in period, I can goose the engine a little bit. Once you get north of about 3500 or so, you can really feel it come alive. That stuff about boxer engines being balanced well is true too. Letting it run out to 5000 RPM, you'd never know unless you looked down at the tach. It gets louder, of course, but there's no extra tactile feedback like vibration that I'm used to.

    One thing I know, that car is rampage beast God mode in the rain. I had a chance to drive it through some pretty ugly storms lately and it feels really well planted. It just chews through puddles like they aren't there. Symmetrical AWD is legit.

    Overall, I'm happy. Hell, if current trends continue, which I assume they will, I can keep it for five years, put 100K on it, and sell it for what I paid for it. Used car values are a joke.

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