Yeah. I sometimes feel sorry for the new and used car salesman out on the lot. They are under tremendous pressure from their sales managers. It’s no wonder the turnover rate in dealerships can be 80% per year.
But it’s the finance officers that I detest the most. They will lie, cheat, berate, manipulate, browbeat and use every dirty trick in the book just to make an extra few bucks.
You don’t have to finance a vehicle. But you do have to go through F and I.
Same here. What many car buyers don't realize is that the finance person, usually the last person you deal with in the car buying process, is the highest compensated salesperson in the entire dealership. This is because people tend to let their guard down once the sales rep turns them over to the finance guy (or gal). They think the negotiating part is over and that all they are doing now is working out their financing.
It is the financial guys whose job it is to add margin to the deal. They are the ones who will not take no for an answer and will attempt to shame you and make you look stupid if you decline their extended warranty options, their gap insurance coverage, and their roadside assistance packages and so on. As you are saying no, you will get the exasperated sighs, the shaking of the head and the condescending "You-seem-like-an-intelligent-guy-can-you-explain-to-me-why-you-wouldn't-want-this" comments.
It's almost as painful as going through those time share presentations, only you don't get a free gift at the end. You just have to maintain your discipline and your composure and say "no thank you", "no thank you", "no thank you" over and over again until they finally give up let you out the door. You don't need to explain yourself to them.