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Acura TL Prices Paid and Buying Experience

10989 messages,  Last post on Dec 04, 2009 at 2:03 PM

You are in the Prices Paid: Buying & Leasing Experiences Forum. Your Hosts are car_man & kyfdx

What is this discussion about? Acura TL, Sedan


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#4865 of 10989
Re: financing questions [jb_turner] by schwabbie1
Oct 29, 2005 (5:24 am)
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Replying to: jb_turner (Oct 29, 2005 4:08 am)

Just a point of correction. Although the dealers do not set an interest rate, they can, and do, adjust it (usually starting high and going down if need be). I know this because I used to be an F&I manager at a new car dealership. Additionally, mulitple checks of a credit rating in a short amount of time without purchasing will affect a credit score negatively. Will it take you from an 800 to a 600? No, but it will definitely make it go down. Just my .02 worth.
#4866 of 10989
tlbuyer2 by kyfdx HOST
Oct 29, 2005 (6:10 am)
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elvis4prez has good advice.. Go to your local bank or credit union, and get approved for the best possible financing that you can...
 
Then, don't just ask your dealer to match or beat it... Ask them to beat it substantially.. At least a half-point or more...
 
And, your credit score? Don't worry about a few inquiries.. You got a great credit score by paying all of your bills on time... As long as you keep doing that, you'll never have anything to worry about... The only time a credit score needs to be managed is when your credit is not very good..
 
regards,
kyfdx
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#4867 of 10989
Re: tlbuyer2 [kyfdx] by ckiggins
Oct 29, 2005 (6:56 am)
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Replying to: kyfdx (Oct 29, 2005 6:10 am)

I actually have read articles on MSNBC and CNN lately that quote FICO officials as saying as multiple inquiries for auto loans or mortgages within a 30 day period will not harm your credit score. The credit scoring agencies have apparently figured out a way to notice that you're shopping for the best rates and will not penalize you for it.
 
They understand that if you have 15 hits to your credit report for an auto loan that you probably aren't going to be buying 15 cars. The same, however, can not be said for applying for credit cards. Multiple inquiries for revolving credit (credit cards) can and will send your score lower.
#4868 of 10989
Re: Acura Internet Pricing [invasian] by ejhunt
Oct 29, 2005 (11:12 am)
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Replying to: invasian (Oct 28, 2005 4:09 am)

STill don't have the car - but yesterday they said I could get the 06 TL w/nav for 33,800. This does not inculde ttl. The dealer would not have the car in till 2-3 weeks. I plan to stop by and sign the paper work today. Will find out then if there are other hidden fees.
#4869 of 10989
Re: tlbuyer2 [ckiggins] by rroyce10
Oct 29, 2005 (2:04 pm)
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Replying to: ckiggins (Oct 29, 2005 6:56 am)

... **I actually have read articles on MSNBC and CNN lately that quote FICO officials as saying as multiple inquiries for auto loans or mortgages within a 30 day period will not harm your credit score ..... **
 
                   
 
            I think this another case of newscasters "making" the news instead of "reporting" the news ..... drop 15 inquiries on a mortgage or a car loan and you'll find yourself living in the same place and driving the same car .....
 
                                                                                          Terry
#4870 of 10989
Good price on 2005 TL/NAV/Auto? by mvc_jones
Oct 29, 2005 (6:20 pm)
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Just got a quote for a 2005 TL, NAV, Auto, with protection package, all season mats and window tint for invoice $32,600, $35,000 OTD all fees and tax with my own 5% financing at 60 months. Total cost with financing over 60 months is $39,895.
 
Is this a good deal? Any input is appreciated.
 
Thanks.
 
mvc_jones
#4871 of 10989
Re: New '05 TL [ppotter] by reelfun1
Oct 29, 2005 (6:38 pm)
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Replying to: ppotter (Oct 05, 2005 11:52 am)

ppotter, does that price include destination charges and tax? I'm assuming not, but was curious. Acura of OP has a few 2005's left and I may be pruchasing one in the next day or so.
 
Thanks!
#4872 of 10989
Re: Good price on 2005 TL/NAV/Auto? [mvc_jones] by karmaverma
Oct 29, 2005 (8:34 pm)
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Replying to: mvc_jones (Oct 29, 2005 6:20 pm)

I think that depends where you got the quote, mvc_jones. I just picked up a 2005 TL, blk/qtz, no NAV, Auto for invoice (came to $30,900 with destn, wheel locks and splash guards) this week. This is in Columbus, OH. This was the last black one (non-NAV) the dealer had remaining and he wouldn't go below invoice. If your dealer still has several 05s sitting on his lot, he might be more desperate (esp with the month end).
 
IMO your price seems to be few hundred bucks below invoice (considering the accessories) so that is good by any standards. Try to get him to beat the rate you are working with.
#4873 of 10989
Re: My deal and more [tlgal] by cacdrc
Oct 29, 2005 (9:09 pm)
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Replying to: tlgal (Oct 28, 2005 7:04 pm)

Hi Tigal,
The trunk boot is a rubber lining that fits the trunk - protects from spills etc., and removes easily for hosing off. It came with the Pro Pack, which varies from dealer to dealer. Mine included mud guards, door molding, wheel locks and the trunk liner. As for the delivery, I paid zero for it - the dealer offered to deliver the car to us in Santa Rosa since we were spending the weekend there. We had six Bay Area dealers looking for our color combo, black/quartz, and Niello wanted to insure that we went with them.
 
I don't know the exact name of the Teflon coating - will get it for you. Don't go through the dealer for it unless you can get them to throw it in free. One dealer told us it would be over $1000, but most auto body shops will do it for around $250. Took the car on a road trip through the Central Valley - lots of bug splats, and when we got home they wiped off with a damp sponge. The coating can be applied to the undercoating, but we didn't have that done.
#4874 of 10989
Re: Good price on 2005 TL/NAV/Auto? [karmaverma] by mvc_jones
Oct 29, 2005 (9:46 pm)
Reply

Replying to: karmaverma (Oct 29, 2005 8:34 pm)

I am in an area with one dealer so negotiations are a bit tough. They have about 12 2005 TL's on the lot, so are trying to move these before the 2006's, which they are reluctant to negotiate on.
 
At a few bucks below invoice, seemed like a good deal. To get the price at 32,600 with accessories, I could not get Acura's 3.9%, so I am using my own 5%/60 months which is a pretty good rate right now.
 
Also, does anyone recommend getting GAP insurance through the dealer?
 
And should the dealer be calculating tax on fee like Doc Fees, title, etc..?
 
Thanks.

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