z*****s
发帖数: 428 | 1 Posted these to reply other people's discussion.
Re-post them here and hope this helps anyone who is about to shop for a car
Auto lending includes direct lending and indirect lending.
Direct means that you apply auto loan directly from bank/credit union while
indirect is you apply through dealer.
The banks/CUs compete with each other at each dealer so that dealer will
likely to "send" your application to them. But how to win a dealer, they
have several ways.
One is to pay dealer an incentive to get application, another way is to
allow dealer to mark up the apr. That means the bank may only get 3% rate
while you are paying at 4%, the extra 1 % goes to dealer's pocket.
Also, dealer usually submit your application to lenders that can make them
the most profit (they'll get paid the most from the bank/CU). They won't
send application to lenders that are likely to give you the lowest rate
Direct lending, however, has no dealer involved so the lenders do not need
to pay dealer any incentive to get your application. That's why the rate is
usually lower and the dealer does not like it
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I own a 2013 jeep gc and I do not recommend any extended warranty.
First of all, it may have deductibles. That means you need to pay something
out of pocket first.
Second, most dealers do not want to do warranty repair as it is less profit
for them. (This is not just jeep dealer). So a usual case is, some warning
lights pop up and the dealer told you that nothing is wrong. They want to
spend their limited resource on more profitable non-warranty repairs
Third, warranty does not pay for checkup. My jeep lost power on highway and
ETC, Serv 4wd and Traction Controll lights were on. However, the car works
fine on the second day. I called the dealer to schedule an appointment for
checkup, they told me it is 145, and not covered by the extended warranty | m*****3
发帖数: 13701 | 2 ”Third, warranty does not pay for checkup. My jeep lost power on highway
and
ETC, Serv 4wd and Traction Controll lights were on. However, the car works
fine on the second day. I called the dealer to schedule an appointment for
checkup, they told me it is 145, and not covered by the extended warranty
“
然后呢? 修啥了？
我猜是 misfire，应该有码，你找个地方读一下就明白了
我也有过在 warranty 之内亮过灯的，滴乐从来没有哪次要过检查费，也许你说的是只
有克莱斯勒这样做? | z*****s
发帖数: 428 | 3 Was your car in the factory warranty?
Mine is now in the extended warranty
I went to Auto Zone they could not read code as they told me they only scan
code for "check engine light"
【在 m*****3 的大作中提到】
: ”Third, warranty does not pay for checkup. My jeep lost power on highway
: and
: ETC, Serv 4wd and Traction Controll lights were on. However, the car works
: fine on the second day. I called the dealer to schedule an appointment for
: checkup, they told me it is 145, and not covered by the extended warranty
: “
: 然后呢? 修啥了？
: 我猜是 misfire，应该有码，你找个地方读一下就明白了
: 我也有过在 warranty 之内亮过灯的，滴乐从来没有哪次要过检查费，也许你说的是只
: 有克莱斯勒这样做?
| z*****s
发帖数: 428 | 4 I haven't repair anything but will find a mechanics shop to check it up (If
the dealer insists on $145...
【在 m*****3 的大作中提到】
: ”Third, warranty does not pay for checkup. My jeep lost power on highway
: and
: ETC, Serv 4wd and Traction Controll lights were on. However, the car works
: fine on the second day. I called the dealer to schedule an appointment for
: checkup, they told me it is 145, and not covered by the extended warranty
: “
: 然后呢? 修啥了？
: 我猜是 misfire，应该有码，你找个地方读一下就明白了
: 我也有过在 warranty 之内亮过灯的，滴乐从来没有哪次要过检查费，也许你说的是只
: 有克莱斯勒这样做?
| m*****3
发帖数: 13701 | 5 对，我说的跟 extended warranty 不一样，新车的，也许这是区别?
那就跟你说一个 extended warranty 的故事，我的一位同事，买的 2009 （也可能是
2010？）神车假美丽，他一直很庆幸当时买了 extended warranty，几年前由于HG崩了
换了几乎整个花冻鸡，总共6000多，自付50，过了没多长时间氧气传感器又坏了，几乎
一千，自付50，记得还换过啥，人家说过，我忘了，反正每次50。不过，他的经历证明
神车质量实在堪忧，哈哈
scan
【在 z*****s 的大作中提到】
: Was your car in the factory warranty?
: Mine is now in the extended warranty
: I went to Auto Zone they could not read code as they told me they only scan
: code for "check engine light"
| z*****s
发帖数: 428 | 6 Well,Toyoda/Honda do break down...
But I am not happy about jeep now...
【在 m*****3 的大作中提到】
: 对，我说的跟 extended warranty 不一样，新车的，也许这是区别?
: 那就跟你说一个 extended warranty 的故事，我的一位同事，买的 2009 （也可能是
: 2010？）神车假美丽，他一直很庆幸当时买了 extended warranty，几年前由于HG崩了
: 换了几乎整个花冻鸡，总共6000多，自付50，过了没多长时间氧气传感器又坏了，几乎
: 一千，自付50，记得还换过啥，人家说过，我忘了，反正每次50。不过，他的经历证明
: 神车质量实在堪忧，哈哈
:
: scan
| m*****3
发帖数: 13701 | 7 可惜某位开 GC 的大牛不来了，否则他肯定可以帮你分析一下车的问题
【在 z*****s 的大作中提到】
: Well,Toyoda/Honda do break down...
: But I am not happy about jeep now...
| m*****3
发帖数: 13701 | 8 对了，记得版上有一位买了个旧 Audi，同时买了 EW，修车很值很值
我觉得可能跟具体谁卖的 EW 有关，如果是第三方的，没啥油水，滴乐懒得接活儿？ | z*****s
发帖数: 428 | 9 Chrysler pays less to dealer for warranty repair...
And I disagree with "修车很值很值" since time is also money...
Even if a dealer may provide loaner car, it's still not worth time bringing
your car over to dealer if you could spend the same amount of time on other
things...
【在 m*****3 的大作中提到】
: 对了，记得版上有一位买了个旧 Audi，同时买了 EW，修车很值很值
: 我觉得可能跟具体谁卖的 EW 有关，如果是第三方的，没啥油水，滴乐懒得接活儿？
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