help! just bought a 2008 civic ex sedan...for $23,600

[Dickotine]

GOT CHA BITCH!!! i Brought my 06 ex coupe december 06' for $20,190 with no navi and thats with the $2000 extra they charge to ship the car to Europe. The same year Si same color was only $20,980, it was the last Si and someone kept payin them to keep it on reserve until they finally brought it , but sounds like the dealership owned u!!

[cryogenicstudios]

Isnt there a return policy on new cars? like 7 days or something? No questions asked?

[xdreamhonda]

i purchased my new non-navi fbp fa5 for 22000 otd. so yeah i think u got a bad deal. but you can cancel all those most likely they will just send you a check for those items and your payment will still be the same. but you can use those checks for your payments. i believe thats how it works...not sure...but okay have fun!

[P1ng]

sounds like a credit issue.

[Excalibur]

Originally Posted by SVT-2

Hello everyone. I bought this car today and so far after reading what people paid for their civic's I feel ripped off. the msrp is $19,510 with no navi. After test driving the car, my dad, the dealer and I went inside and started talking. He told me the total cost with tax and other fees would come to $22,00. I told him that's too much and asked for $19,000. He said he can't do it so we settled at $21,00 out the door price. This was fine to me. Then came another gentlemen who was in charge of calling the banks and the paperwork. He told me with my credit score of 622, Only bb&t will give me the loan considering I have another car under my name which payment's are $333 a month. He told me with no money down I would pay $495 a month. I told him no way, I wanted $350. He said it's impossible considering my credit score, no money down. So I told him $400. He checked with his boss and came back saying that some money down it can happen. I told him I can only do $1000 down. He came back and said $425 with $1000. Then I told him I can only pay that with out the money down. He told me this is very hard to do. He came back and said the lowest is $440 with 7 year warranty and GAP. After thinking about and considering it with my dad I agreed. We shook hands and went to his office. There he gave me the papers to sign. While I read all of them and noticed the $700 gap charge, the $574 Resource life insurance charge, and the $1,300 extended warranty charge, I was under he impression this was all included and still $21,000 out the door. All the while we're having a nice conversation and I was pretty happy because I finally had the car I wanted. Then the last paper he had me sign read the total amount financed is $23,600. I asked him why this price and he responded that it's with all we talked about included. I signed anyways. I walked out and talked to my brother and he told me he bought his new 2006 ex sedan with navi for $23,000 out the door. I started worrying a little bit. Then I came to this forum and really worried after seeing the price most of you guys paid for the same car. I need to cancel the gap, the extended warranty, and the life insurance coverage which all of these add up to $2,600 which is what changed the final price from the $21,00 I was told. When I go back to the dealer tomorrow can I cancel these and if I can will I be able to readjust my monthly payment? If not what can I do? I feel sick to my stomach, and I feel ripped off. Sorry for the long story. Any help would be greatly appreciated. Thank you.

That's why I don't get all that extra crap that they try to get you on. That's how they make all their money. I paid 20,400 for my 07 si coupe and we paid 20,800 for the wife's si sedan. She got the windshield insurance on hers.

[CivicEX08]

Odd.

I paid $26,000 out the door for a 2008 EX Coupe w/ Navigation, Package A, Extended warranty on the electronics, Fog Lamps, All Season Floor Mats, and Remote Start. This includes all the licensing fees and taxes.

You got hosed.

[dtexan]

Originally Posted by CivicEX08

Odd.

I paid $26,000 out the door for a 2008 EX Coupe w/ Navigation, Package A, Extended warranty on the electronics, Fog Lamps, All Season Floor Mats, and Remote Start. This includes all the licensing fees and taxes.

You got hosed.

You paid 26k and your saying he got hosed

[Excalibur]

Originally Posted by dtexan

You paid 26k and your saying he got hosed

That's not too bad since he had so many extras including his tags and such. Still too much for an Ex though.

[nayilsi]

Originally Posted by dtexan

You paid 26k and your saying he got hosed

hahaahahahahaahahahahahah

repppd

[Dayten]

Well looks like you didn’t get the best deal, but you may be able to get the financing, gap and extended warranty redone. If you belong to a credit union, they can almost cut the price of the gap insurance, and extended warranty in half. They maybe able to help you lower your interest rate as well. You do have to look in to it right away.

The finance guys make their money on commission as well, by selling you the extra stuff like warranty, life insurance, alarm and gap. You just have to see if it is right for you. Some might see it as “peace of mind” and others may see it as a “rip off” it all depends on your comfort level. A lot of us don’t take into consideration the extra stuff when negotiating for the price of the car. You think you are done negotiating, but you actually are not. You have to negotiate again when they bring you into the finance office. You have to remember they are all salesmen. I am sure a lot of us fell into that trap before.

Some might say getting your own financing is better, but for me, Honda actually was able to beat the interest that my credit union was giving me. Sometimes Manufactures have promotions on certain cars. When I was in the market for a car, Honda had a promotion for the Civic SI. Its all about research, knowledge, and timing.

At least now you know some of the pitfalls in buying a new car.

[AllShowNoGo]

Originally Posted by SVT-2

Hello everyone. I bought this car today and so far after reading what people paid for their civic's I feel ripped off. the msrp is $19,510 with no navi. After test driving the car, my dad, the dealer and I went inside and started talking. He told me the total cost with tax and other fees would come to $22,00. I told him that's too much and asked for $19,000. He said he can't do it so we settled at $21,00 out the door price. This was fine to me. Then came another gentlemen who was in charge of calling the banks and the paperwork. He told me with my credit score of 622, Only bb&t will give me the loan considering I have another car under my name which payment's are $333 a month. He told me with no money down I would pay $495 a month. I told him no way, I wanted $350. He said it's impossible considering my credit score, no money down. So I told him $400. He checked with his boss and came back saying that some money down it can happen. I told him I can only do $1000 down. He came back and said $425 with $1000. Then I told him I can only pay that with out the money down. He told me this is very hard to do. He came back and said the lowest is $440 with 7 year warranty and GAP. After thinking about and considering it with my dad I agreed. We shook hands and went to his office. There he gave me the papers to sign. While I read all of them and noticed the $700 gap charge, the $574 Resource life insurance charge, and the $1,300 extended warranty charge, I was under he impression this was all included and still $21,000 out the door. All the while we're having a nice conversation and I was pretty happy because I finally had the car I wanted. Then the last paper he had me sign read the total amount financed is $23,600. I asked him why this price and he responded that it's with all we talked about included. I signed anyways. I walked out and talked to my brother and he told me he bought his new 2006 ex sedan with navi for $23,000 out the door. I started worrying a little bit. Then I came to this forum and really worried after seeing the price most of you guys paid for the same car. I need to cancel the gap, the extended warranty, and the life insurance coverage which all of these add up to $2,600 which is what changed the final price from the $21,00 I was told. When I go back to the dealer tomorrow can I cancel these and if I can will I be able to readjust my monthly payment? If not what can I do? I feel sick to my stomach, and I feel ripped off. Sorry for the long story. Any help would be greatly appreciated. Thank you.

dude, you got ripped off.

my 07 Si WITH navi brand new with only 2.2 miles on it OTD came to 22.5.

also, once you sign those papers, i dont think you can cancel.

[SVT-2]

Today after class I stormed in there and looked for the sales guy that ripped me a new one. All of a sudden the finance guy form behind greets me and I look at him in the eye and said in a loud angry voice "I don't want this car, you ripped me off!" He told me to calm down and to come into his office because he will explain things better. Inside he told me I can take off the gap, warranty, life insurance to bring down the car to 21k like he promised originally. Not good enough. You see, this guy didn't give me the official contract yesterday. That is illegal. I reminded him of this and he calmly says "Let me check if I forgot to give you your copy of the contract. Oh here it is, I'm sorry I left it in my desk, It was a human error we all make em". I didn't care, I told him I am not taking this car because every time I look at it it reminds me of how I got robbed and it leaves me with a sour taste in my mouth. I also told him 2 other local honda dealers will give me this exact car for 18k otd. He said impossible then He said I'll go talk with my boss, then comes back and says "okay, let me have the keys. The bank didn't approve your loan anyways, so good luck finding this car for $18,000 otd." I then asked for this return in writing so he came back with a Rescission agreement which was signed by a witness and by me and got a copy of that for myself and stormed out of there. I went to another honda dealer and they made the calculations for the same exact car: 2008 civic sedan ex automatic with no navi for $18,000+freight($650) a processing fee($299) and taxes. OTD came out to be $19,174. The salesman with my social was trying to figure out how to finance this for me. He told me that because of the fact I have a $15,000 debt with the dodge dakota which is also under my name, with no money down the payments are gonna be high, regardless of the fact I make on average about $4,000 a month. I told him I'm gonna grab a bite and I'll be back in an hour. So here I am. I think the price is really good, but Ultimately I will not pay more than $350 a month. So therefore I will just ask for the invoice of $19,174 and tell him I'm going to finance it myself with my credit union.

[msjwild3]

Are you from Canada? Because then that price would make sense.

[CivicEX08]

Originally Posted by Excalibur

That's not too bad since he had so many extras including his tags and such. Still too much for an Ex though.

I forgot to add that the car has mud guards too.

All in all, it's a deal that is far from a rip off considering everything I had installed options wise.

[nayilsi]

Originally Posted by CivicEX08

Odd.

I paid $26,000 out the door for a 2008 EX Coupe w/ Navigation, Package A, Extended warranty on the electronics, Fog Lamps, All Season Floor Mats, and Remote Start. This includes all the licensing fees and taxes.

You got hosed.

just another 2k.....and ur EX would be in Mugen price range OTD.

The OP should feel better now.

[CivicEX08]

Originally Posted by nayilsi

just another 2k.....and ur EX would be in Mugen price range OTD.

The OP should feel better now.

Yes, except the options I had included. :)

And I could of done a bit better at a different dealership. But anyone who lives near me knows Valley Honda is 100x better than The Honda Superstore of Joliet.

I chose to pay $190 more at Valley Honda since the difference is huge in the end. The difference between the original poster and myself is I have the navigation system, fog lamps, remote start, Package A (Dad chose to do rust proofing and interior spray), Mud guards, and my extended warranty on the electronics which is at least $1,200 but I can't remember the exact price off hand.

My price on the EX was $20,190 before any taxes and options.

[nayilsi]

Originally Posted by CivicEX08

Yes, except the options I had included. :)

And I could of done a bit better at a different dealership. But anyone who lives near me knows Valley Honda is 100x better than The Honda Superstore of Joliet.

I chose to pay $190 more at Valley Honda since the difference is huge in the end. The difference between the original poster and myself is I have the navigation system, fog lamps, remote start, Package A (Dad chose to do rust proofing and interior spray), Mud guards, and my extended warranty on the electronics which is at least $1,200 but I can't remember the exact price off hand.

My price on the EX was $20,190 before any taxes and options.

Have u ever considered an Si ?

From where I see it.....26K for an EX....no matter what added....= Brutally Hosed.

[CivicEX08]

Originally Posted by nayilsi

Have u ever considered an Si ?

I thought about it, but I don't want my daily driver to be stick shift. I test drove one and it's a nice car. I was quoted one for about $1,000 more than the EX but I decided against it as I wanted an automatic transmission.

[AllShowNoGo]

Originally Posted by SVT-2

Today after class I stormed in there and looked for the sales guy that ripped me a new one. All of a sudden the finance guy form behind greets me and I look at him in the eye and said in a loud angry voice "I don't want this car, you ripped me off!" He told me to calm down and to come into his office because he will explain things better. Inside he told me I can take off the gap, warranty, life insurance to bring down the car to 21k like he promised originally. Not good enough. You see, this guy didn't give me the official contract yesterday. That is illegal. I reminded him of this and he calmly says "Let me check if I forgot to give you your copy of the contract. Oh here it is, I'm sorry I left it in my desk, It was a human error we all make em". I didn't care, I told him I am not taking this car because every time I look at it it reminds me of how I got robbed and it leaves me with a sour taste in my mouth. I also told him 2 other local honda dealers will give me this exact car for 18k otd. He said impossible then He said I'll go talk with my boss, then comes back and says "okay, let me have the keys. The bank didn't approve your loan anyways, so good luck finding this car for $18,000 otd." I then asked for this return in writing so he came back with a Rescission agreement which was signed by a witness and by me and got a copy of that for myself and stormed out of there. I went to another honda dealer and they made the calculations for the same exact car: 2008 civic sedan ex automatic with no navi for $18,000+freight($650) a processing fee($299) and taxes. OTD came out to be $19,174. The salesman with my social was trying to figure out how to finance this for me. He told me that because of the fact I have a $15,000 debt with the dodge dakota which is also under my name, with no money down the payments are gonna be high, regardless of the fact I make on average about $4,000 a month. I told him I'm gonna grab a bite and I'll be back in an hour. So here I am. I think the price is really good, but Ultimately I will not pay more than $350 a month. So therefore I will just ask for the invoice of $19,174 and tell him I'm going to finance it myself with my credit union.

i thought u had to get approved from a bank or another financial institution for you to even be able to sign a contract and drive? and i thought once u sign a contract, it's concrete, whether you got a copy or not?