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2014 Subaru Forester CVT
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19 Posts
Discussion Starter · #1 ·
I went to a dealer yesterday and almost made a lease deal with them. They ran my credit, said they submitted to Subaru, and came back with Tier 1 money factor. I ended up not getting the car there because it was going to take too long for them to get the car. I went to another dealer today and signed the deal, but when they ran my credit, I ended up getting a Tier 3 money factor. I was really curious as to why it changed so drastically, so I looked into it, and it turns out that they never actually submitted my credit to Subaru and gave me a high MF just to get me to sign up. Is this even legal? It seems highly irresponsible that a dealer would do that considering you could get people into serious financial trouble. I'm usually good about catching dealer tricks, but this seems like an all time low.
 

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Smooshed FOTY 2011
2005 Lifted 2.5 XT 5-Speed MT Dual-Range
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5,732 Posts
That seems super shady to me. I'd be furious. This is usually why I will call my credit union to have them finance me instead of trying to go through a dealer. Shady practices tick me off.
 

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Registered
2014 Subaru Forester CVT
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19 Posts
Discussion Starter · #3 ·
The worst part about it was that the whole time I was talking to them, they assured me that they're being "upfront" with me. I wouldn't have made a deal with them anyway since they didn't have anything in stock, but it just drives me off the wall when people try to cheat me. I rather have a dealer be 100% honest with me and charge more, then give me a "good" rate and try to rip me off later. They also "assured" me that their rate was out the door, but I later found out that they have a ton of add-ons after the car arrives. I understand that most dealers try to add stuff to make more money, but they need to be clear cut about it in the beginning especially after I had already asked them to tell me exactly what out-the-door pricing is going to be.
 

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Premium Member
2014 Forester 2.5i Prem CVT
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202 Posts
I went to a dealer yesterday and almost made a lease deal with them. ... I'm usually good about catching dealer tricks, but this seems like an all time low.
"I'm shocked, shocked to discover that there are disreputable car dealers!"

You know many dealers are OK and they really hate the bad rep the industry has to the general public. But, there are also the dealers that fit the mold and are still looking to screw people every way they can.
 
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