Bought a 2010 Subaru Outback Limited. Purchase price was prearranged through competitive bidding. Had to work a little bit to get my trade value, but I started higher than I wanted, and got my value. Dealt with Manny Vargas, and found him to be extremely knowledgeable about the product, and enthusiastic about getting to know us. Very low pressure on his side, and a relaxed, friendly demeanor. Even when we were arguing about my trade value. Purchase price, trade value, doc fees, tax, title and license fees all were set. As was my downpayment. Yet somehow, when I got to the F&I guy, my payment was about $5/mo higher than the math said it should be. My trusty HP10B financial calculator does not lie. I ended up paying what I should have been paying, but I wonder how many people they get that extra $300 off of? I also don't understand how it is not an illegal business practice to have a set dollar "amount financed" on your bill of sale, and yet charge more on the loan than what the principal + interest is w/o disclosing that your skimming off the top. This might be a common practice in Central Ohio, I don't know, but it doesn't make it right.
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