rocketjohn
Top Fuel
Dealers do get incentives from the financing agency for sure....but you don't mention how you intend to pay until you have made your deal and signed the offer. It gets sticky after that, for the F&I person gets a hold of you at that point to ascertain your finance choices, and offer extended warranty and gap coverage. You have to be clear if you are going to take the extended warranty and what not and have that added to the offer FIRST before mention how you will pay. Insist on that because you want any discounts that are predicated on them finding you a finance option. That discount is paid for with the interest add on they get when you use their finance options. But if it's written into the offer before you made it clear you would pay cash you still get it. Bringing your own financing goes the same way. You make an inquiry with your financial institution, they agree to pre qualify you for X amount and you go car/bike shopping, and they don't get give any cherries to the dealer in that case....at least it will happen behind closed doors and outside of the deal you make. There is also the possibility that a cash deal is attractive to a dealer if you are choosing a model that has been sitting on the lot quite awhile. In that case he just wants to get rid of it because he has been paying interest on it himself. Any price that doesn't put him in the hole will likely be accepted, though he will love to sell the extended warranty to polish the apple a little more. Whether to get that ever depends on what you buy....if you buy BMW you better get it....things go bad on them. Maybe HD too.....their quality is way up, but they do have some embarrassing goofs sometimes. If I was getting say a Honda...no extention likely needed, but anything of any make with a CVT yes and as long a warranty extention I can get. Those are ALL junk.