• Lembot_0001@lemm.ee
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    5 days ago

    What is that trade-in? You give your old car to get a discount for a new? How does it work? Why does it work? I do I understood this completely wrong?

    • Corngood@lemmy.ml
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      5 days ago

      That’s right. Where I am it’s a tax scam to support dealerships.

      If you trade in a $10k car on a $20k one, you pay sales tax on $10k. If you sell your car to someone else for $10k and then buy the $20k car, you pay sales tax on $20k and the new owner of your car pays sales tax on $10k.

        • crusa187@lemmy.ml
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          5 days ago

          It usually doesn’t work quite like the example above. Using that example…the dealership will only give you $4k for your old car, even though it’s worth $10k. They then turn around and sell it for anywhere from $8-12k, netting themselves a tidy profit on the vehicle now for the second time.

          The convenience makes this worthwhile for most car buyers, even if they could get another few thousand if they did everything themselves and paid full taxes. Dealership of course loves it and laughs all the way to the bank.

          • futatorius@lemm.ee
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            4 days ago

            Or they give you more on the trade-in and claw it back by offering you shit terms from their captive finance company.

            Some carmakers don’t make a profit manufacturing and selling cars, they only make it on finance.

            • brbposting@sh.itjust.works
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              4 days ago

              Interesting, wonder how the economics work for the different players. Also, tangentially:

              A decade or two ago, a lady working in dealer finance lamented how internet bank rate comparisons had really rained on their parade

              “I want this rate”, she explained customers would say, pointing at a printout or their phone and expecting a match.

              Imagine how fat those margins would’ve been when they knew a customer hadn’t yet called around researching rates!

            • crusa187@lemmy.ml
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              4 days ago

              Good point, this is fairly common as well. I’d recommend avoiding financing entirely if at all possible because of this, simply not worth it for a car unless it’s the only way you can get one that’s in decent shape.

              If you have to finance, often times you can get a much better rate from your local credit union instead. Use that to make the purchase, instead of the dealer’s financier.

          • atomicbocks@sh.itjust.works
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            5 days ago

            It’s what Game Stop (and a myriad of other “buy, sell, trade” stores) does with used games and consoles but with cars. eBay exists but most people don’t want to go to that much trouble.

        • Atom@lemmy.world
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          5 days ago

          Not manufacturers, dealers. A legally required middleman in most of the US. They’ll take your $10k car for $7k and try to resell it for $12k. Even if it gets negotiated to a fair price, they still get the opportunity to upsell used car buyers into extended warranties and maintenance plans.

          Tesla is a little different in that they do not have dealers, so they instead do no-negotiatiation sales on their used cars. It’s good for them because they can do the same buy low sell high deal. But when the model is not selling, they’ll have to buy it and sit on that asset for months or dump it at auction.

        • Revan343@lemmy.ca
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          5 days ago

          Because they can (usually) resell them for more than they give you for it.

          Usually. They might have trouble with Teslas.

        • fuckwit_mcbumcrumble@lemmy.dbzer0.com
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          5 days ago

          CPO cars print money.

          Charge 3k more in order to give the car a once over and then offer a few years extra warranty that will probably never pay out that much in repairs (assuming there’s anything at all).

      • IamSparticles@lemmy.zip
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        5 days ago

        What? Where is that legal? You should be paying tax on the full purchase price of the new vehicle. In every transaction I’ve done, the trade-in is simply treated as part of the down payment or the full payment if you aren’t financing.

    • andyburke@fedia.io
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      5 days ago

      Works just like that. Dealer takes your trade-in, usually paying you a decent amount less than you could get selling it yourself (this is a spot where you have rk make a time value for money decision). You apply that cash to your new car you’re buying from them.

      The dealer (if they are good) cleans and fixes any issues with the trade-in and either sends it to auction or sells it on their own lot.

      • dhork@lemmy.world
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        5 days ago

        This process is so ingrained in the process here in the US that if you look up price estimates of used cars online, they will give you both a “dealer trade-in” value and a “private party” value.

      • futatorius@lemm.ee
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        4 days ago

        I always sell my cars privately, and I’ve always gotten good value for them. But then, I never buy new cars. I’ll generally buy a low-mileage car that’s 3 or 4 years old.

        • andyburke@fedia.io
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          4 days ago

          Yep, really depends on your personal feelings around your money.

          I am generally a used car kind of guy, but this is how trade-ins work. For some people, they’d rather just not have to deal with selling a car even if they could get a lot more for it. The dealerships provide them that service at a significant cost. 🤷‍♂️

    • Ilovethebomb@lemm.ee
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      4 days ago

      That’s exactly how it works, and the dealer usually gives you a decent deal on the trade in, to make a sale.

      It saves a huge amount of hassle for the buyer.