r/askcarsales 4h ago

Dealer told me I had to buy warranty/add-ons to get Subaru 0% APR. Is this normal?

22 Upvotes

I recently bought a new Subaru from a dealership in California.

During the finance process, I was told multiple times that I could only get the advertised 0% APR if I purchased an extended warranty and several additional protection products.

I specifically said I did not want those products. The finance manager basically told me that I could either pay money to the bank as interest, or spend that money on the warranty/add-ons and at least get something for it.

Based on that explanation, I agreed to the additional products because I believed they were required to receive the 0% financing.

The loan is now active through Subaru Motors Finance / Chase at 0.00% APR. The paperwork from Chase refers to dealer add-ons as “optional products.”

I like the car and I’m not trying to unwind the vehicle purchase. My issue is that I feel misled into buying thousands of dollars in products I repeatedly said I didn’t want.

Has anyone else dealt with this?

Is it normal for a dealer to condition manufacturer promotional financing on buying optional products?

What would you do next - contact the dealership GM, Subaru of America, Chase/Subaru Motors Finance, or a consumer attorney?

I’m intentionally not naming the dealership at this point.


r/askcarsales 20h ago

Meta For dealership veterans: which position would you choose if starting over?

6 Upvotes

For people who have worked multiple dealership roles, which position has the best combination of income potential, job security and work-life balance? I’m currently in sales and considering moving into F&I. Curious whether experienced people would choose F&I, desk manager, GSM, fixed ops, etc. if they were starting over.


r/askcarsales 1h ago

US Sale Car Salespeople

Upvotes

Commission
30% of front-end commissionable gross on new and used vehicles.
$150 minimum commission (mini) on cash deals.
On finance deals only, the mini increases to:
$200 after exceeding 12 units
$250 after exceeding 15 units
$10/hour draw.
Monthly Volume Bonus (not cumulative — you only receive the highest tier reached)
12–14 units: $750
15–20 units: $1,750
21–26 units: $3,000
27+ units: $4,500

This pay plan just went into effect at the store I am at. I do work at a Nissan Store, been in the business for a year and a half and sell between 15-18 cars/ month. Looking for some opinions on this change!


r/askcarsales 21h ago

Can't finance truck unless under 100k miles?

5 Upvotes

I was looking at an 2014 Ram 1500 165k miles for $7799 After being pre-approved for financing they couldn't do it on the truck because of the milage but they could put me in a 2013 ford f150 with 87k miles at $11k. It is just that specific finance company or something.?


r/askcarsales 3h ago

US Sale What's with this new trend of large dealerships posting thirst trap reels of "sales girls"?

4 Upvotes

These weird shorts keep popping up in my FB feed, posted by large dealerships all over the country. Some are kinda funny - "sales girl" in short dress and heels firing a T-shirt cannon at the staff, while others are a little creepy - which Subaru trunk fits a woman's body the best?, a woman putting her heels on before she meets a customer, women posing suggestively with a car...They all look like models playing "hot office girl", not sales staff.

What's next? Every car purchase gets a trial OF subscription??


r/askcarsales 9h ago

US Sale Best way to sell car that drives but needs engine repair

4 Upvotes

Hi all,

I have a 2017 Honda fit, 80,000 miles, it needs engine cleaning and repairs (the fuel injector problem got the best of me). I had thought trading in would be best but now I've heard private selling or online might be ideal to get the best value. The car drives but it does keep going into limp mode. Dealership quoted $3,000 in repairs.

How should I sell my car?

Edit: sorry, I live in PA!


r/askcarsales 5h ago

US Sale Selling totaled car in Texas

2 Upvotes

Crashed my car, didn’t have insurance, so it’s been sitting in my driveway for months. Someone wants to buy it, they know it’s fucked. Do I have to go through the whole process of changing the title to salvage or can I sell it with the clean title? A mechanic never looked at it after the crash, but it can’t drive.


r/askcarsales 7h ago

Copart vehicle not able to get a title

2 Upvotes

I could be way off on some info here, but asking for my father.

He has bought numerous vehicles off copart and the latest was a truck that was absolutely wrecked and he fixed everything to get it up to par. I believe it was "inspected" after.

Michigan SOS says it will not be able to be titles because of its previous title or something along those lines? Numerous people I've talked to said that's correct and it is only as good as a parts truck now. It has 1900 miles and looks brand new.

I'll have to find the current title and see exactly what it is but does anyone have any insight or thoughts?


r/askcarsales 23h ago

Meta Hybrid (Sales & FI) Pay Plan at High End German Dealership Opinions

2 Upvotes

Looking at jumping from a Japanese brand to a high-end German dealership in very nice suburb right outside of a major urban center, but the pay plan they're offering gives me pause.

They're saying $200 flat on the front end (no matter what) and 12% of whatever we sell on the back (including reserve)...Thoughts on this one?


r/askcarsales 52m ago

Question about buying out my lease

Upvotes

When I leased my car I listed both me and my husband's income on the application bc I wasn't working at the time, it is in my name only. When we finance can I do the same without him being on the loan? I now work, have a great credit score, his is not good, I don't want that to screw up my rate. Originally I was looking to buy a used car and asked the guy this question he said it was fine, but I'm getting differing answers when I Google it. This is through Nissan


r/askcarsales 3h ago

US Sale Where can I sell an import car from Japan?

1 Upvotes

I have a 1997 Nissan Stagea RS Four I got from Texas JDM. Wife wants to get an SUV and no dealer is taking the car as a trade in. Need help or advice on how or where to list this car.

JDM Supply listing: https://jdmsupply.com/sale/RwrBRu/1997-nissan-stagea-25rs-four


r/askcarsales 3h ago

US Sale Any good dealers in Long Island to work for.

1 Upvotes

Just moved to the area from Florida anybody have any dealership recommendations? I’m really open to anything as long as I can make 10 to 15 a month.


r/askcarsales 4h ago

Canadian Sale 2016 BMW 535i. 117.000kms. Asking price is 23.500 CAD.

1 Upvotes

Dealership is in Calgary. I’m buying cash, and out of province.

I’m in no rush to purchase a newer vehicle. So waiting for a good deal.

Seller gives me 25k OTD price. The carfax shows 3 claims for 0$ (his justification is: scratches or dents)

Carfax estimates with VIN gives a private buying price between 15k - 17.7k.
And retail price between 18.3 - 21.4k.

To me the vehicle is worth max 18k. At that mileage. I’ve seen lower mileage and better exemplary at 15-17k. The reason why I’m not interested is that they are always missing 1 or 2 of my must-have options.

I told him that my budget is 18k OTD if vehicle is mechanically sound. I’ll fly there and drive back to my province.
I could stretch my budget to 20k if they can prove me that maintenance is up to date (existing records) and know issues of the N55 engine have been taken care of.

However his only response is that before purchase, the vehicle will be entirely serviced. (Which I do not believe). I’m ok paying a premium but not for a vehicle that’s being quicky setup for a sale.

I’m I reasonable in my negotiation?


r/askcarsales 21h ago

US Sale 2026 Lexus es 350h

1 Upvotes

I am looking to purchase a 2026 Lexus ES 350h in the next week or so. I am in the Midwest. I want to know what others are paying. I'm seeing a local dealer with prices of either ~54k-57k with msrp plus dlp.

I'm looking for otd numbers? Assuming taxes are around 3600. I wpuld love to get a premium plus for 55k otd but don't know if that is reasonable to ask for.


r/askcarsales 23h ago

Potential APR on a Used Civic

1 Upvotes

I need some advice before I go to the dealership in high hopes, I’m looking to finance a 2024 civic sport hatchback priced right under $28k AFTER the 3% sales tax, registration & fees. I’m willing to put down $7-8k as a down payment to make up my credit score of a sub500, the only problem being that my credit is low. I average about $800 weekly and have had a stable job for 3 years now and have the paystubs to prove it, I have a 2% debt to income ratio on my file & I also only have 1 credit card active that I have perfect on-time monthly payments on. I HAD a $100 utility bill in my collections (Spectrum) but paid it in full this week, so it should wipe out completely from my file in the next month or 2. Nothing else, no collections, no repo nothing, the only problem is I would be a first time buyer on file because my previous car was under my mothers name but I paid it fully off and on time always. I would have her co-sign with me but she recently financed a car for my sister. What are the chances of my APR% being under a 20% even though my score is so low, but everything else making up for it?


r/askcarsales 3h ago

US Sale Should I wait for Honda days?

0 Upvotes

Looking to get a Honda pilot by the end of the year. They are running a good apr deal right now but wondering if I should wait until Honda days to get a better Apr promotion? I’m in the Chicago area and obviously plan to finance.


r/askcarsales 5h ago

US Sale 22 and already at my 3rd dealership, am I wrong for wanting to leave the car business for a while?

1 Upvotes

For some context, I’m 22 and I’ve been in the car business since I was 19.

My first dealership was a small used car lot. I was there for a while and honestly loved selling cars. There was basically zero training, so I just figured shit out as I went. I learned how to talk to customers, make calls, negotiate, close deals, and generate my own business. I genuinely enjoyed coming to work and selling.

Eventually I left because I wanted somewhere with more opportunity and structure.

My second dealership was another used car store, but much bigger inventory and way more structure. I actually got real sales training there and learned a ton. The culture was good, I liked the people, and there was a lot more going on. The problem was the pay plan. It was genuinely one of the worst pay plans I’ve seen, and eventually I couldn’t justify staying.

Now I’m at dealership #3, another smaller independent store. I took the job because it seemed like a huge opportunity to learn the backend of the business. And to be fair, I HAVE learned a shit ton. I’m doing CUDL, submitting deals to lenders, selling warranties, structuring deals, desking, handling leads, inventory, advertising, etc. I’m basically getting experience with the entire dealership instead of only selling cars.

But I’m also pretty much helping run the lot. I’m dealing with vehicle check-ins, pictures/listings, social media, inventory, lot tech stuff, random errands and whatever else needs done. My responsibilities have also changed multiple times, and sometimes responsibilities get taken away without anyone really explaining what my new expectations are.

And honestly, I’m fucking miserable.

The store is extremely slow. I’m somebody who thrives when I’m constantly talking to customers, making calls, working deals and keeping that sales momentum going. There is no momentum here. More than half of the cars I’ve sold here have actually come from leads I personally generated through Facebook Marketplace.

The environment is probably the biggest thing though. It’s just negative. People talk about quitting, the owner talks about firing people, and the energy walking into work some days is fucking unbearable. I’ve literally had someone start yelling while I’m trying to desk a deal with a customer sitting there.

I’ve noticed myself changing too. I used to love talking to people at work and being involved in everything. Now I find myself sitting in my office, keeping to myself and sometimes almost dreading having to go talk about a deal. I’ve never had a job where I consistently woke up dreading going to work until this one.

The owner has also talked about potentially selling the dealership/doing something different with the place. If I’m trying to build repeat customers and build a career, it makes me wonder what exactly I’m sticking around to build.

I don't think these are bad people and I'm grateful for what I've learned here. I just don't think this is the place where I want to plant my feet.

The thing I'm struggling with is that this is already dealership #3 and I'm only 22. I don't want to become the guy who leaves every time a job gets difficult. At the same time, I know what it feels like to actually enjoy selling cars because I've had that before, and this feels completely different.

Part of me wants to try a high-volume franchise store and finally see what I can do with consistent traffic and leads. Another part of me thinks maybe I should step away from the car business for 6 months or a year, try selling something else or do something completely different, and see if I actually miss it.

I still love sales. I love negotiating, working deals, getting approvals and making shit happen. I just don't know if I love the car business anymore, or if I've just ended up at the wrong dealership.

For the people who have been in the business a long time: would you stick this out because of the backend experience I'm getting, try a franchise store, or get out for a while and experience something else at 22?


r/askcarsales 17h ago

Meta Is 25% commission good?

0 Upvotes

I just got hired for my first ever car sales job and I’m excited I’ve got plenty of customer service skills and loves cars, they told me that I’d be making 25% commission and I was just wondering how good is that?


r/askcarsales 18h ago

US Sale Should I get it ?

0 Upvotes

Looking to get into a prerunner
Finance/virgina beach

Hello chads! Looking to get in to a Tacoma( really something to last a lifetime) preferably an older style because I don’t want to break the bank! I have 2 options but I think I might be over paying If I go back.
. Hello chads! Looking to get in to a Tacoma( really something to last a lifetime) preferably a older style because I don’t want to break the bank! I have 2 options but I think I might be over paying If I go back.

Option one: 2011 Toyota Tacoma pre-runner four-door 6 foot bed TRD sport
156k miles/ dealer trade in/ they want est.$17k
Seen this one today a few issues I noticed today was the passenger door wouldn’t unlock the first time after pressing the key fob button and manual button inside the car. Fog lights would not come on once the button was pressed in a couple holes on the floorboard, obviously from wear and tear.

Option two: 2013 gray Toyota Tacoma pre-runner four-door 6 foot bed TRD sport
154,000 miles /smaller dealership/estimated price $15,750

Carfax reporter an accident in this vehicle has been in colder states like Delaware and Maryland

If I do see this vehicle, I will give you guys an update

Was recommended to try to look for a 4x4. prerunner =RWD if anyone was wondering


r/askcarsales 3h ago

Is it possible to negotiate a lower sticker price for a car in exchange for a higher interest rate? I have a 820 credit score and I’d pay the car off in full after purchase.

0 Upvotes

The dealership wouldn’t know that I have the ability to pay the car off in full. I’d read the terms and make sure there is no penalty for prepayment.