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Google - Oct 30, 2026
(Translated by Google) TIPS FOR YOUR NEXT PURCHASE, based on our experience with finance manager Ahmed Rivery.
1. The dealership can waive many of the fees on the total price of your vehicle; negotiate a number you feel is fair.
2. Making you wait half an hour, an hour, or more between tasks is a tactic to exhaust you so that once you're near the finish line, you sign the contract to complete the process. Don't play their game. Leave, regroup, and come back later if you have to.
3. Know your REAL credit score before coming in; they will pull the lowest score on your report as a tactic. It's a common tactic for them to use the lowest score on your report.
4. You are not only negotiating with the seller, but you are also negotiating with the financier. The financier can add extra fees to your total that you may have already negotiated away with the seller. Make sure you know the amount you're actually financing; there are financing amounts with and without warranties.
5. Explicitly ask for the interest rate on your loan; they will give you the highest option first. Tell them to bring you a better offer.
6. If you have a signatory and a co-signer, they will use whoever has the lowest credit score as the primary signatory. Make sure YOU choose the signer and co-signer, not who they say. [If there is a primary buyer and a guarantor, they will designate the person with the lowest credit score as the primary buyer. Make sure YOU decide who the primary buyer will be.]
7. Up until the contract portion, they will print out papers to sell you on the warranties, but when it's time to sign the contract, they will switch to a tablet. By doing this, they can zoom in on the signature portions and have you sign without seeing what you are ACTUALLY being charged. [During the pre-signing process, they give you printed documents. But when it's time to sign, they will switch to an electronic tablet. This way, they can zoom in only on the sections where you are supposed to sign, preventing you from seeing the charges they are ACTUALLY applying.]
Request a paper copy of your contract, at least the first two pages, so you can see what you're actually agreeing to before signing. On the first page, you will find the REAL numbers: how much you are financing, your interest rate, and your TOTAL PRICE for the vehicle. Make sure these numbers match what you negotiated. On the second page, there will be an itemized list of fees. Dispute and negotiate these if necessary. [Request a printed copy of your contract to review the exact terms before signing. There you will find the REAL figures: the amount you are financing, interest, and TOTAL PRICE of the vehicle. Verify that these figures match what you negotiated. On the second page is a detailed breakdown of the fees.]
8. If you made a down payment, make sure the amount goes toward your vehicle purchase price. If you are not vigilant, they will ADD FEES to eat up your money, instead of subtracting your down payment from the purchase price. [If you make a down payment, make sure the amount is applied toward the total purchase price.] Otherwise, they'll add fees that will eat up your money, instead of subtracting it.
GOOD LUCK!
(Original)
TIPS FOR YOUR NEXT PURCHASE informed by our experience with finance manager Ahmed Rivery. [CONSEJOS PARA TU PRÓXIMA COMPRA:]
1. The dealership can waive a lot of the fees on the total price of your vehicle, negotiate a number you feel is fair. [El concesionario puede eliminar gran parte de los cargos adicionales sobre el precio total de tu vehículo; negocia una cifra justa.]
2. Making you wait half an hour, an hour, or more between tasks is a tactic to exhaust you so that once you are near the finish line, you sign the contract to finish the process. Don't play their game. Leave, regroup, and come back later if you have to. [Hacerte esperar horas entre cada paso del proceso es una táctica para agotarte. No caigas en su juego. Si es necesario, vete, tómate un tiempo para reflexionar y regresa más tarde.]
3. Know your REAL credit score before coming in; they will pull the lowest score on your report as a tactic. [Conoce tu puntaje de crédito REAL antes de acudir al concesionario; es una táctica común que ellos utilicen el puntaje más bajo de tu informe.]
4. You are not only negotiating with the seller, but you are also negotiating with the financer. The financer can tack on extra fees to your total that you may have already negotiated away with the seller. Make sure you know the amount you're ACTUALLY financing; there are financing amounts with warranties and without. [No solo estás negociando con el vendedor, sino también con el financiero que puede añadir cargos adicionales al total. Asegúrate de conocer el monto que vas a financiar REALMENTE; existen opciones de financiación que incluyen garantías y otras que no.]
5. Explicitly ask for the interest rate on your loan, they will give you the highest option first. Tell them to bring you a better offer. [Pregunta explícitamente por la tasa de interés de tu préstamo; primero te presentarán la opción más alta. Exígeles una alternativa.]
6. If you have a signer and a co-signer, they will use whoever has the lowest credit score as the primary person. Make sure YOU choose the signer and co-signer, not who they say. [Si hay un comprador principal y un aval, ellos designarán como comprador principal a la persona con el puntaje de crédito más bajo. Asegúrate de ser TÚ quien decida quién sera el comprador principal.]
7. Up until the contract portion, they will print out papers to sell you on the warranties, but when it's time to sign the contract, they will switch to a tablet. By doing this, they can zoom into the signature portions and have you sign without seeing what you are ACTUALLY being charged. [Durante el proceso previo a la firma del contrato, te entregan documentos impresos. Pero al llegar al momento de la firma, cambiarán a tableta electrónica. De esta forma, pueden ampliar la imagen solo en las secciones donde debes firmar, impidiéndote ver los cargos que REALMENTE te están aplicando.]
Request a paper copy of your contract, at least the first two pages, so you can see what you're actually agreeing to before signing. On the first page, you will find the REAL numbers: how much you are financing, what your interest charge is, and what your TOTAL PRICE for the vehicle is. Make sure these numbers match what you negotiated. On the second page, there will be an itemized list of fees. Dispute and negotiate these if necessary. [Solicita una copia impresa de tu contrato para revisar los términos exactos antes de firmar. Ahi encontrarás las cifras REALES: el monto que vas a financiar, intereses, y PRECIO TOTAL del vehículo. Verifica que estas cifras coincidan con lo que habías negociado. En la segunda página hay un desglose detallado de los cargos.]
8. If you brought a down payment, make sure the amount goes toward your vehicle purchase price. If you are not vigilant, they will ADD FEES to eat up your money, instead of subtracting your cash down payment from the purchase price. [Si entregas un pago inicial, asegúrate que la cantidad se aplique al precio de compra total. Si no, añadirán cargos que consumirán tu dinero, en lugar de restarlo.]
GOOD LUCK/¡BUENA SUERTE!