misbehave

When you guy get your Protege5 from the dealer, did it come with accessories like rear bumper guard or cargo tray?
From most of the dealer I have visited so far, most of them only sell their Protege5 with the floor mats.

Do you know any online store that sell those accessories?

thel

Why not just have the dealer add them in to the purchase price of the car at delivery? A decent negotiator should be able to get most of the minor accesories added in for invoice prices which, I would imagine, would be cheaper than aftermarket vendors. BTW, Invoice prices can be found at Edmunds.com.

misbehave

IC,

then I will have to tell my dealer to get those accessories before I go take my car.

thel

Simply have the dealer add the cost of the accesories into the total purchase price. Then make sure that the additions are noted to be done upon delivery on the bill of sale.

rfranklin7

Why not go to mazdastuff.com, much cheaper then buying from the dealer.

misbehave

Thanks for the site!!!!

NoahsMP5

The last thing I would do would be to add it to your purchase price. Mazdastuff.com is the way to go.

thel

I agree, Mazdastuff.com has a lot of good accesories, but they do charge you MORE than the invoice amount of the item. Example: 6-disc cd changer. Invoice for this from the dealer is $400. Mazdastuff.com sells them for $432 + shipping + installation. I think that during negotiations, a good haggler could get the cd-changer installed for $400, hence saving money versus the aftermarket.

NoahsMP5

Polished wheels 500 dollar option
on top of paying the extra $500 for the whells I paid $3 more a month in intrest= $180 more. Now I only pay 2.9% intrest. So depending on what your intrest rate is then you could end up paying more or less. All depends on what your intrest is.

misbehave

I always see car ad with "0% interest" deal. I really wonder how many people actually qualify and get that 0% financing deal.

thel

I believe the wheels are a $400 invoice item. $500, I believe, is the MSRP amount. So you should only pay $400 up front + interest versus, aftermarket price + shipping + mounting the wheels/tires onto the car.

I qualified for 0% when I got my Miata a couple of months ago without needing my wife's extra income and I'm only a year or so older than you are. Again, without knowing your beacon score, YOU will never know.

misbehave

I've just got my credit report and score from Equifax. Both the report and score are not bad. However my weakness is that I don't have a perment job as of now. I guess my wife will have to be the one to get the 0% deal.

thel

If you're going to finance using your wife, you'd better get her report as well. If you or your wife have a beacon score over 700 or so, qualifying for 0% should be a cinch. Most likely the dealer will be eager to qualify you for the 0% if they can because they know it will get you into the car.

If your beacon score is 650-700 or so, it gets a bit iffy because it is a bit unclear what rates you can qualify for. In my case, my score was well over 700, so the last time went shopping for interest rates I went into the F&I office and asked them to beat the best rate offered by Peoplefirst.com at the time. I told them, "I know my beacon score is X and that qualifying for the best rate of Y% from Peoplefirst.com is a cinch. If you can beat it, I'll finance through you (dealer) to make it easier." The Honda dealer instantly said he could beat their rate using Honda American Finance and I used them to finance the car.

misbehave

Well, then I guess I am in luck. My score is over 750. Now I will have to see my wife's score.

So, is 700+ what most people score? Is it an average score?

NoahsMP5

The only reason I got 2.9 was I had a co-signer. I don't have bad credit just no credit which can be worse. My beacon was like a 656 and they said I needed a cosigner.