HOW TO NEGOTIATE WITH THE
FINANCE AND LEASE MANAGER

THIS IS THE ONE PERSON
WHO CAN COST YOU THE MOST
AMOUNT OF MONEY!

YOU MUST BE ON YOUR GUARD
AT ALL TIMES WHEN DEALING
WITH THIS PERSON.

IF YOU HAVE PERFECT CREDIT
OR EXCELLENT CREDIT
YOU NEVER JUST ACCEPT
THE INTEREST RATE OFFERED

EXPLAIN YOU HAVE THE CREDIT
CREDENTIALS AND YOU ARE LOOKING
FOR THE LOWEST INTEREST RATE

EXPLAIN YOU ARE CHECKING THE
LOCAL BANKS AND CREDIT UNION
AND WILL GO WITH THE LOWEST RATE

IF YOUR CREDIT FALLS INTO THE
OTHER CATEGORIES WAIT DO NOT
NEGOTIATE THE INTEREST RATE NOW

THERE IS A STRONG CHANCE YOUR
INTEREST RATE MAY GO UP WHEN
YOU COME BACK TO PICK UP THE
VEHICLE AND SIGN THE CONTRACTS

NEGOTIATING NOW WILL NOT CHANGE
THE FACT THAT THE BANK MAY RAISE
YOUR INTEREST RATE.

WAITING UNTIL YOU SIGN THE
CONTRACTS WILL GIVE YOU MORE
LEVERAGE NEGOTIATING THE
INTEREST RATE

THE CAR DEALERSHIP CAN ONLY
MARK UP THE LOAN 2 ½ % POINTS
NOW YOU CAN NEGOTIATE WITH
CONFIDENCE AND NOW WORRY
ABOUT WHAT INTEREST RATE
THE BANK WILL APPROVE.

YOUR GOAL NOW IS TO FORCE THE
FINANCE MANAGER TO GIVE UP A
MINIMUM OF 1 ½ % POINTS BEING
CHARGED ON THE LOAN.

REMEMBER, THE SALESPEOPLE AND
SALES MANAGERS USUALLY DO NOT
GET PAID ON WHAT THE FINANCE
MANAGER MAKES PROFIT!

BY THREATENING TO WALK OUT
BECAUSE OF THE HIGH INTEREST RATE
THE SALES MANAGER WILL INTERVENE.

THE SALESPERSON AND SALES
MANAGER DO NOT WANT TO LOSE
THE DEAL THEY MADE WITH YOU.

BY KNOWING YOU CAN GET THE
DEALERSHIP TO SHED 1 ½ % POINTS
OFF THE LOAN YOU WILL SAVE YOU
A HUGH AMOUNT OF MONEY.

IF YOU WERE FINANCING $40,000
FOR 60 MONTHS, YOU WOULD SAVE
ABOUT $2700 OR $45.00 LESS
PER MONTH.