Car salesmen do this all the time. Just be glad it's not a used car saleman. š¤£ In theory, a stealership could offer more than the Kia national warranty, but I'd have to have that in writing. The kia dot com warranty page is authoritative.
As an aside, BMW says its automatic transmission fluid is "lifetime" and never requires servicing. What they actually mean is that there is no scheduled maintenance, so if the transmission ultimately fails, you replace the whole thing.
Last time I paid for an ATF drain/fill on a Honda Accord, I think it was about $40. For a 3 Series, the entire filter pan has to go and IIRC a shop will charge nearly $1000 all-in. (So most BMW owners just ignore it.)
Good luck!
3.90% APR up to 48 months. 3.90% Annual Percentage Rate (APR) up to 48 months. $22.53 per month per $1000 financed at 48 months. 4.25% Annual Percentage Rate (APR) up to 60 months. $18.51 per month per $1000 financed at 60 months. 4.49% Annual Percentage Rate (APR) up to 66 months. $17.13 per month per $1000 financed at 66 months. 4.99% Annual Percentage Rate (APR) up to 72 months. $16.10 per month per $1000 financed at 72 months. APR financing subject to credit approval by Kia Finance America (KFA)
Yeah I brought that up and they said they can offer that however I will not get the $1500 or $2500 rebate.7%?
From the Kia site:
Of course, the offers may vary by location.
Your zip code? (Or the dealer's)Yeah I brought that up and they said they can offer that however I will not get the $1500 or $2500 rebate.
Just another thing I have to do the math on.
20855Your zip code? (Or the dealer's)
Yeah I could get from Navy Federal for like 4.49% and I told them that too.The lender they deal with must know what percentage of people don't refinance, at least some of the rebate may be coming from the lender though they'll conceal that. I didn't see if you knew what rate you could get with your own financing. I think rates have gone up in the two years it's been since I bought a car, but 7% sounds like too much for a secured loan to a creditworthy person.
Pretty sure the difference between the two rates more than eats up the rebate.
Yah I just went through and got pre-approval from Navy Federal. I got a 4.49% 60 month term from them so I am going to have that in my back pocket in case I end up going that route.With the amount you want to finance and the term, the final difference between 4.5 and 7% looks to be around $1900. So you'd save a bit by giving up the rebate, afaict.
Rates have really gone up...
Yeah based on what he was saying, that $1500 can't be combined with the other "special" that you see where the APRs are lower. But for some reason on the EX X-line they could offer the $2500 rebate and that website you linked to doesn't mention $2500 for that specific model.Unless the dealership is kicking in some kind of rebate, Kia is offering $1500 for the 2024 Telluride, $1000 for the 2025ā¦if you finance with them. You might want to talk to a different dealer.
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By the wayā¦2024 or 2025? Much different rebates and financing options.
I donāt see a $2500 rebate on any of the Telluride models. Proceed with caution.Yeah based on what he was saying, that $1500 can't be combined with the other "special" that you see where the APRs are lower. But for some reason on the EX X-line they could offer the $2500 rebate and that website you linked to doesn't mention $2500 for that specific model.
This could just be them trying to reel me in though and make as much as they can - I really have no way to know.
And it's a 2024 I am looking at
What color are you after?Also, this is another dealership in the area that has the ones I was talking about between $45k - $47k.
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They just don't have the color that I want.
Midnight blue with black interior.What color are you after?
If there's a trim that you aren't interested in...definitely let them know so they'll stop trying to sell it. If the car has 3500 miles on it, it's technically "used" and you may be able to negotiate a lower price. (always worth a try...sometimes it works, sometimes it doesn't.) In their eyes, it's never been sold, so it's still new...and carries the full factory new car warranty...but it's NOT new...new would be less than 100 miles...that might allow for a few people to have taken it for a test drive.Midnight blue with black interior.
I did some math tonight and am going to counter with a $49,550 offer.
The other manager quoted me $48k for the car in another email before I went in today.
$48k + 6% tax + the doc/license/title fees quoted on the price sheet they gave me is $52,050.
Then minus the $2500 rebate that brings the total to $49,550.
I'm going to explain all of that math to them in an email so they know where I came up with that and see what they have to say about that.
I am also like 100% confident that they are going to match my Navy Fed 4.49% financing otherwise they also lose out on the interest because I will immediately refinance if I do their 7% rate, and they will know that lol.
EDIT:
I do think the $2500 rebate may be a one off because that car has like 3500 miles on it. It was probably a dealership loaner or something at some point. I am 100% out on the EX model at this point but they don't know that yet. Would it be better to just let them know I am not interested in that one at this point?
Iād push for the Kia 3.9% for 48 months. 4.49% is 66 monthsā¦go for whatever is best for your situationā¦ it DO NOT let them dictate terms that are not in your best interest.Thanks @BoomerD I will check out some places within a radius. I just sent them an email with my counter so I will see what they say. I also told them I am no longer interested in the EX X-line model.
I also went and picked up my check from Navy Federal so I will have that in my pocket if we end up making a deal, and I will play it when we are there in person speaking with the financing team.
I figure they will cave and match the 4.49% that I have. If I use my check and they tell me that I won't get the rebate, then I will flat out tell them okay I'll use the 7% financing but I am going to refinance immediately. Navy Federal told me there are no fees with refinancing a car so it would be totally stupid of me to actually use 7% financing for the life of the loan. And I'm thinking they would rather have interest from a 4.49% loan than not having any interest at all. I primarily got the check for leverage.
Yeah I mean I would basically just refinance when I have time, but I would think within the first month I could make time to do it.I refinanced after a couple months when I bought my truck in '18. Got the extra discount/rebate/whatever through GM with financing through them, waited a couple months and then went through a local credit union for a much better rate. I can't imagine the month or two at 7% vs 4.49% is going to cost you more than the rebate, and the dealer may not be able to budge on the rate set by Kia.
Also, not sure I'd buy a dealer loaner. Those things are driven like rental cars.
Most of the time those are either loaner carsā¦(although not usually the higher trims) or a manager drove it for a month or so.I refinanced after a couple months when I bought my truck in '18. Got the extra discount/rebate/whatever through GM with financing through them, waited a couple months and then went through a local credit union for a much better rate. I can't imagine the month or two at 7% vs 4.49% is going to cost you more than the rebate, and the dealer may not be able to budge on the rate set by Kia.
Also, not sure I'd buy a dealer loaner. Those things are driven like rental cars.