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2020 Price check for Vanguard, Aria and Sovereign

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Footrace1:

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The financing is definitely worked back into the price so only go that route if you really need to. If its not something you need then absolutely tell them you'll pay cash/check and tell them you need a better price based on that. Financing and CC costs to the dealer are factored in when that dealer quotes you whether they tell you that or not. Its always negotiable until they say they just can't do better but their "best price" will vary based on how you're paying.

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Interesting, they told me to contact X bank if I needed financing, but no matter what I would need to have the funds (either from my cash or the bank) about a week before delivery.  They indicated that there was no difference in price.  The only reason I even considered finance is b/c it is free money at 0%.  I have the cash on hand and would pay with cash if that meant savings.

castletonia:
Not all dealers participate in financing programs.  That is probably why they suggested your bank.  If you have cash in hand let your dealer know.  It will cost your dealer 2-4% of the sale to process a credit card.  If they don't have to pay that then they will probably give you some discount. 

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