I just never deal with a dealership's bank, #s are not always what they seem. oh we can make this happen if we do this, this, or this, or we can do less here more there yada yada.
I always go to my own bank/credit union and get the loan before hand. Walk in with a cash in hand and buy with the, I want to buy today, sell me that car/truck for X many dollars OTD and I'll be on my way within 20 minutes. If they want to haggle on price I just walk.
When dealing with their banks, they've got you. You can't really do crap. Talk them down too much and some special rates are no longer special rates.
Only one question matters when buying a car from a dealership using their in house finance company.
What is it you can afford every month for your payment?
They'll make things work around those #s =)
Why so upside down with the Audi? I've never bought a car I couldn't pay double payments on without having issues making ends meet.
Keep that in mind when buying this truck, if you can make the payments but only if everything goes well for the month then you should think twice. Buy something older or something higher mileage, or as B says, keep the Audi.
I've been out of work shitting myself silly for a week straight and thankfully have zero worry about paying bills at the end of the month, however I NEVER put myself in a position where I could ever have to worry. Chit happens and it will happen. Don't let debt rule your life.
