Where are you located?
Ok thats good to know thanks for the advicePayments are irrelevant.
Secure your own financing via your credit union. If you don't belong to a credit union, join one. If you can't join one, don't buy a car until you can join one, or pay in cash.
Never discuss payments with a car dealer. It's a waste of your money.
I live in Irving. Where have you looked or what dealerships have you gone too?Fort Worth, Texas
I would go through these guys given your location.Fort Worth, Texas
This^. When I first went to buy my sti I had about 10K to put down and a over 740 credit rating but the dealership told me the best they could do was 15% interest and I would never find another place to get a loan for 26k. I laughed and went to a local credit union who gave me the loan at 4% initially and 3% after refinancing. Goto a credit union and save yourself money and time.Payments are irrelevant.
Secure your own financing via your credit union. If you don't belong to a credit union, join one. If you can't join one, don't buy a car until you can join one, or pay in cash.
Never discuss payments with a car dealer. It's a waste of your money.
I appreciate all the help man that's a lot of good information to knowRandom thoughts . . .
Know what you should be paying monthly before you go to the dealership . . . i.e. if you put down X amount for the downpayment and the price is Y you should be paying Z. That said, as others have mentioned, never allow a dealership to get you a loan based on monthly payments.
Have financing in place . . . even if you don't use it. I've used on-line financing to get some good rates (plus this way you'll have an idea what you may be paying each month at X APR) . . . but that said, every time the dealership has been able to use one of their financing agencies to get me a better rate. Incidentally, credit unions often offer very good rates, but they can also be beat by the dealership's banking agencies.
Two companies that are pretty well respected for excellent prices and customer service here are Ramsey Subaru in NJ and Heuberger Subaru in CO. You may want to see what they can do . . . some folks report paying less even after shipping/flying costs have been factored in.
In my own case I found that buying locally worked out pretty well financial-wise . . . if I was willing to wait and order the car. I'm a patient man who doesn't need instant gratification so it worked out. What I did was call/e-mail all of the dealerships in my state, told them what I wanted in a car (pretty much you I was looking for a base model with little to no options) and asked for their selling price along with out-the-door price (tax, title, any other fees, etc.) I ended up going with the second lowest price . . . mainly because it was a dealership closer to me than the lowest price. It should be noted that I also make sure to compare the selling price against NADA, KBB, TrueCar.com, Edmunds, etc. to see if the price is in the ballpark. Incidentally I've done this with the last three cars I have purchased and it has been a relatively painless buying process as the actual trip to the dealership has averaged about an hour or so . . . maybe two hours tops . . . with none of the BS back-and-forth negotiating. I suppose I could try getting a few extra dollars at that point, but the truth is the dealership has to make money and if the price is fair I don't begrudge them. The truth is someone out there will always tell you about getting the better deal . . . but if you're happy and can afford the payments then all is good.
Now to answer your original question . . . 2015 WRX base model . . . $24,940 was the price. Here in Maine with the tax, title, doc fee and what have you the OTD price was $26,692. I made sure to look at both prices when comparing the quotes from dealerships and if I had a question as to what made the OTD price at one dealership so much higher at one place vs. another I would call -- and often find out that they had a much higher doc fee or some other BS fee in place. My current payment is $329.06/5 years . . . mainly because I was able to put $8,000 down and have a 2.14% interest rate on the loan. Again . . . I am sure other folks may have done better or been better negotiators, but my method worked for me and I am happy with the financial arrangement.