Going in with Cash Offer

[Johnkn]

Unless a person is in the position to refuse to owe anyone anything on his belongings.

 

[Kowboy17]

Unless a person is in the position to refuse to owe anyone anything on his belongings.

AMEN!

 

[Roy Esslinger]

Found a 2019 802A, Performance blue, sticker $75120. What can I expect if I go in with cash?

I wouldn't expect you to get anything off the MSRP. Cash is not the preferred method of payment on a Raptor because the dealer makes more if you use their financing. There is very little mark-up on the raptor and because of that I have seen people even pay more than MSRP just to get one. I just got my VIN number from Ford and it will be built on Feb. 11. I wouldn't think that you will get a fully loaded Raptor for less than 72,000. let me know how it goes.

 

[OriginalToken]

cash doesn't really have the clout in a dealership like you would think. They prefer you using their financing so they collect the incentives. They'd probably be more inclined to cut you a break if you used them to borrow money.

That is what I have found. Every vehicle we have purchased since 1996 we went in ready to pay in cash or check, whichever got the best deal, and ended up financing for one reason or another. The wifes last 3 cars we got with 0% financing and various incentives (in each case we worked out the out the door price before discussing interest rates). The 2018 Raptor we got 0 down and 1.9% financing, they would not do 0% on that thing.

I always put the cash back into an investment, intending to "use their money". But I got to tell you, in every case I eventually get tired of seeing the bills come in and pay the thing off anyway, the loans seldom last as long as 18 months. The Raptor payments lasted 7 months, the most recent Lincoln payment 1 month, the first bill that came in on that I just wrote a check for the 10 day payoff amount. I know in my head that leaving the money in an investment is the smarter thing, but getting bills in the mail sucks. My wife tries to never let me see the bills for that very reason. We pay every necessary bill that we can (trash, water, etc) at the beginning of the year just so I don't have to see the mail in the mail box

T!

 

[Big Blue]

Found a 2019 802A, Performance blue, sticker $75120. What can I expect if I go in with cash?

If you walk into the dealership with $75K in cash you can expect a visit from the Feds in the near future. Any cash transaction in excess of $10k is reported by law.

 

[Shogunn of Panama]

That is what I have found. Every vehicle we have purchased since 1996 we went in ready to pay in cash or check, whichever got the best deal, and ended up financing for one reason or another. The wifes last 3 cars we got with 0% financing and various incentives (in each case we worked out the out the door price before discussing interest rates). The 2018 Raptor we got 0 down and 1.9% financing, they would not do 0% on that thing.

I always put the cash back into an investment, intending to "use their money". But I got to tell you, in every case I eventually get tired of seeing the bills come in and pay the thing off anyway, the loans seldom last as long as 18 months. The Raptor payments lasted 7 months, the most recent Lincoln payment 1 month, the first bill that came in on that I just wrote a check for the 10 day payoff amount. I know in my head that leaving the money in an investment is the smarter thing, but getting bills in the mail sucks. My wife tries to never let me see the bills for that very reason. We pay every necessary bill that we can (trash, water, etc) at the beginning of the year just so I don't have to see the mail in the mail box

T!

The dealership is going to squeeze everything they can to get that last dime, one way or another. As they should, they’re a business and need to eat. The only times cash gave me the advantage was with smaller purchases like my bikes or four wheelers. Used the ole “all I have is this, do you want to make a sale or not?” -as another member mentioned earlier in this thread.

 

[charliebrown]

My personal experience when buying my Raptor; one dealer offered an additional $1k discount to finance. The dealer I did buy from didn’t. We negotiated the price and it didn’t change regardless of how I offered to pay. IMO, This leads me to believe that the old saying “cash is king” is dead. Particularly when buying vehicles. Just my 2¢

 

[hkguns]

$75,100

 

[Silver Bullet 4]

I sell upscale new homes in Phoenix AZ, and I get the occasional “is there a discount if I pay cash?”.
My response is “I’d doesn’t matter if you pay cash at close of escrow, do a wire transfer, or talk out a mortgage...I get your money all the same”.
Can’t blame someone for asking...but it’s the truth whether you are buying a new home or a Raptor.

 

[RandySTI]

Dealers prefer Financing over cash, I payed cash and was able to get real close to invoice. You won’t save much, but then again you save some. Search online, I was lucky to find ‘19 with no panoramic roof and decals, but every other option available. It’ll save you a few thousand, unless it’s a necessity. Just remember there are no incentives on the raptor and Z pricing has no effect, or at least I. Florida. Just make sure you get numbers first before offering cash.