![]() ![]() We’ll still try to beat whatever APR you’re getting at the bank and offer you payment deals, but forget them. Once a car salesman knows you don’t need financing, they’re more willing to be forward with you and knows they don’t have to work on the payments with you, because it won’t help. Here’s 5 tips to get you started, and then a very detailed breakdown of how the dealership manipulates buyers with the four-square.ġ) GET YOUR FINANCING THROUGH THE CREDIT UNION BEFORE YOU EVEN STEP ON THE LOT. Many, but not all, dealerships use this tool. This is supposed to help you and the dealership come to an agreement, but as you’ll see, it’s really more akin to three-card monte dealer’s deck of cards. Former used car salesman Alan Slone grows a conscience and reveals one of the major strategies dealership use to screw you when buying a new car.Īt the heart of it all is the “4-square,” a sheet of paper (sample above) divided into four boxes: your trade value, the purchase price, down payment, and monthly payment.
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