Buying Advice

I am in the market for an 07 Camry.
Toyota's official website has a finance section where you tell them the
maximum monthly payment you want to make over what period of time and
what if any down payment you are prepared to make. Cars that are
available within your financial parameters are downloaded with the exact
monthly payment you would be making plus the price of the car. Do you
think I can hold the dealerships feet to the fire quoting these stats or
will they just tell me to bug off, that Toyota HQ is BS with their
figures?

"Bob Smith" <bobesmith@webtv.net> wrote in message
news:13486-4446CB12-29@storefull-3131.bay.webtv.net...[color=blue]
>I am in the market for an 07 Camry.
> Toyota's official website has a finance section where you tell them the
> maximum monthly payment you want to make over what period of time and
> what if any down payment you are prepared to make. Cars that are
> available within your financial parameters are downloaded with the exact
> monthly payment you would be making plus the price of the car. Do you
> think I can hold the dealerships feet to the fire quoting these stats or
> will they just tell me to bug off, that Toyota HQ is BS with their
> figures?
>[/color]

You will not know until you try. Call all the dealers in town and ask them.

Bob Smith, 4/19/2006,7:43:14 PM, wrote:
[color=blue]
> I am in the market for an 07 Camry.
> Toyota's official website has a finance section where you tell them
> the maximum monthly payment you want to make over what period of time
> and what if any down payment you are prepared to make. Cars that are
> available within your financial parameters are downloaded with the
> exact monthly payment you would be making plus the price of the car.
> Do you think I can hold the dealerships feet to the fire quoting
> these stats or will they just tell me to bug off, that Toyota HQ is
> BS with their figures?[/color]

I imagine the website is quoting MSRP. If you can't get a vehicle for
less than MSRP that would be a rare case. The shipping charges, taxes,
extended warranties, dealer add-ons are what raises the price and the
Toyota website would not know those since they would be different
everywhere.

On Wed, 19 Apr 2006 19:43:14 -0400, [email]bobesmith@webtv.net[/email] (Bob Smith)
wrote:
[color=blue]
>I am in the market for an 07 Camry.
>Toyota's official website has a finance section where you tell them the
>maximum monthly payment you want to make over what period of time and
>what if any down payment you are prepared to make. Cars that are
>available within your financial parameters are downloaded with the exact
>monthly payment you would be making plus the price of the car. Do you
>think I can hold the dealerships feet to the fire quoting these stats or
>will they just tell me to bug off, that Toyota HQ is BS with their
>figures?[/color]

First of all, keep in mind the factors that determine monthly
payments: interest rate, financing amount, and term (the length of
time to finance). People with qualify for different interest rates
based on their credit. The finance amount will change if you have a
trade in. This will also change on the amount of taxes and fees you
have to pay based on your locale.

Buying by payments is very dangerous. The dealer can raise your
interest rate (as they get a percentage of it) and purchase price (to
augment their profit) and still make the monthly payments you want as
they can merely stretch out the term. They may make it 6 or 7 years.
Your actual purchase price would be seeringly high.

If you have a certain monthly payment in mind, determine what the
purchase price is for 5 years (or shorter) and negotiate that way
instead. I've attached a spreadsheet that might help. Remember to
fill in the correct dealer fees. The tax rate is set at 8%. Change
it accordingly. Certain cells have been protected so necessary
formulas aren't accidentally changed.

Viperkiller <nothing@nothing.net> wrote:
[color=blue]
>If you have a certain monthly payment in mind, determine what the
>purchase price is for 5 years (or shorter) and negotiate that way
>instead. I've attached a spreadsheet that might help. Remember to
>fill in the correct dealer fees. The tax rate is set at 8%. Change
>it accordingly. Certain cells have been protected so necessary
>formulas aren't accidentally changed.[/color]

Viper, I'm not much good at making up spreadsheets and I find
your little calculator might be handy for other things but I
can't change some cells as you mention...any chance of giving me
your password so that I can change what I need to here?

My email is ???@islandtelecom.com (note my sig)
--

-Gord.
(use gordon in email)

On Thu, 20 Apr 2006 18:22:54 GMT, Gord Beaman <gord@islandtelecom.com>
wrote:
[color=blue]
>Viperkiller <nothing@nothing.net> wrote:
>[color=green]
>>If you have a certain monthly payment in mind, determine what the
>>purchase price is for 5 years (or shorter) and negotiate that way
>>instead. I've attached a spreadsheet that might help. Remember to
>>fill in the correct dealer fees. The tax rate is set at 8%. Change
>>it accordingly. Certain cells have been protected so necessary
>>formulas aren't accidentally changed.[/color]
>
>Viper, I'm not much good at making up spreadsheets and I find
>your little calculator might be handy for other things but I
>can't change some cells as you mention...any chance of giving me
>your password so that I can change what I need to here?
>
>My email is ???@islandtelecom.com (note my sig)[/color]

If you must change the cells, the password is: "password1". This
would be without the quotation marks, of course. I hope you find it
useful.

Viperkiller <nothing@nothing.net> wrote:
[color=blue]
>On Thu, 20 Apr 2006 18:22:54 GMT, Gord Beaman <gord@islandtelecom.com>
>wrote:
>[color=green]
>>Viperkiller <nothing@nothing.net> wrote:
>>[color=darkred]
>>>If you have a certain monthly payment in mind, determine what the
>>>purchase price is for 5 years (or shorter) and negotiate that way
>>>instead. I've attached a spreadsheet that might help. Remember to
>>>fill in the correct dealer fees. The tax rate is set at 8%. Change
>>>it accordingly. Certain cells have been protected so necessary
>>>formulas aren't accidentally changed.[/color]
>>
>>Viper, I'm not much good at making up spreadsheets and I find
>>your little calculator might be handy for other things but I
>>can't change some cells as you mention...any chance of giving me
>>your password so that I can change what I need to here?
>>
>>My email is ???@islandtelecom.com (note my sig)[/color]
>
>If you must change the cells, the password is: "password1". This
>would be without the quotation marks, of course. I hope you find it
>useful.[/color]

Ok, thanks...appreciate it...now, what's your username/PW for
your online banking acct?... :)
--

-Gord.
(use gordon in email)

On Fri, 21 Apr 2006 19:33:43 GMT, Gord Beaman <gord@islandtelecom.com>
wrote:
[color=blue]
>Viperkiller <nothing@nothing.net> wrote:
>[color=green]
>>On Thu, 20 Apr 2006 18:22:54 GMT, Gord Beaman <gord@islandtelecom.com>
>>wrote:
>>[color=darkred]
>>>Viperkiller <nothing@nothing.net> wrote:
>>>
>>>>If you have a certain monthly payment in mind, determine what the
>>>>purchase price is for 5 years (or shorter) and negotiate that way
>>>>instead. I've attached a spreadsheet that might help. Remember to
>>>>fill in the correct dealer fees. The tax rate is set at 8%. Change
>>>>it accordingly. Certain cells have been protected so necessary
>>>>formulas aren't accidentally changed.
>>>
>>>Viper, I'm not much good at making up spreadsheets and I find
>>>your little calculator might be handy for other things but I
>>>can't change some cells as you mention...any chance of giving me
>>>your password so that I can change what I need to here?
>>>
>>>My email is ???@islandtelecom.com (note my sig)[/color]
>>
>>If you must change the cells, the password is: "password1". This
>>would be without the quotation marks, of course. I hope you find it
>>useful.[/color]
>
>Ok, thanks...appreciate it...now, what's your username/PW for
>your online banking acct?... :)[/color]

bank name: Shittybank...I mean Citibank
username: E Diot
password: 1111

Please don't withdraw both dollars from it.