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this post was submitted on 12 Sep 2024
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Can you elaborate on "four square"? It's been a while since I bought a car.
Sure, the sales guy sits down and shows you this:
and you see that monthly payment and go 🥴 and then your new 'friend' helps you get that payment down to something you can afford.
They then go through a bunch of antics designed to confuse you, the monthly payment drops a ton but overall you're getting reamed on the deal (often longer payments at worse terms for instance) then they get you to initial it and will then hold that over your head as if it's legally binding.
It's a huge pain in the ass, and you won't win, they are experts at it. Negotiate the price of the car and the price of your trade in separately. Ideally you will have sold your 'trade in' on the private market and pre secured your loan through a credit union but that isn't always possible.
For a better more comprehensive explanation see the article i just stole that image from: https://www.consumerreports.org/cars/buying-a-car/beat-four-square-and-other-car-dealership-sales-tactics-a7590220303/?srsltid=AfmBOopFCHIp5zbHgU1xngvt_LLdWvkEu_3zG6cCGcAFp9JWpwYtGL5_