Well, God answered my prayers! Today I got to take a ride on the roller coaster of emotions.
I started the morning off with some Bible reading. Psalms 20:4 says "May he give you the desire of your heart and make all your plans succeed." I thought this was a good start...
Me and Rachel arrived at the dealership around 10:00AM, expecting things to go pretty fast and easy. Little did we know...We started by taking the car for a test drive so I could be sure that it is what I really wanted (which it was).
Then, we go inside to start talking business. Since the car is a brand new model, the dealership did not want to budge on price at all. We finally got them down to a number that we could live with, and started preparing to go into financing.
As we were waiting, I decided to call my parents to tell them the price and see what they thought about it, when my mom told me that her and my dad were going to give me an extra $1000 to put down on the car (out of my wedding budget). This is when I started getting emotional. I could not believe that my parents would do that for me, considering how they don't have money to be just throwing around either. I was so touched by that, and thats when some happy tears started coming. I just didn't expect them to do that for me. Not to mention that they let me trade in my old car as well (which wasn't worth a lot to the dealership, but it was to me).
So we get into financing, and I'm thinking I'm going to get a really good interest rate because they ran my credit score earlier in the morning and I found out that I have excellent credit. Me and Rachel both thought that we had the deal in the bag, and we were going to be able to leave soon with my new car!
Then, the guy comes back in only to tell me that the lowest rate that they will give me is 6.85%. I don't know if you know anything about buying cars, but this rate is TERRIBLE. It definitely would have sent my payments well above what I wanted them to be.
Anyway, we get the guy to leave us alone for a few minutes to talk about it, and I called my parents back to talk to them about it. It really upset me that I have such great credit and the only reason they wouldn't give me a good rate is because I've never purchased a car before and I don't have a mortgage. They thought that just because I have a good job, that I should be able to afford the payments. That is BULL. I have bills to pay just like everyone else, and I can't afford a $300+ car payment.
This is when I started getting emotional again, but instead of happy emotional, it was sad emotional. My mom told me to walk away without the car since they wouldn't give me a good rate. Tears started flowing at that point.
Rachel went to bring the guy back in to talk to him again, and he came in and saw that I was clearly upset, and he worked a little bit of magic (and by magic, I mean he did what he could have done in the first place and lowered the interest rate himself, which he didn't want to do because car dealerships are GREEDY).
To make a long story short, they gave me a great interest rate, and my payments were around what I was more comfortable paying, and then I got happy again!
And, 5 hours after we got there,
I BOUGHT MY FIRST CAR!
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