The 4 Square
Our software helps you save money.  It will help you make the "right deal" and keep your hard earned cash in your pocket. 
Car Buying Tips
Auto Classified Ads
Browse Ads
Add Listing
Saved Ads
The 4 square is the form that most car dealers use to negotiate with.  It's simplistic design fools a lot of car buyers into a false sense of security because it appears non-threatening. 
| Copyright Carz4less 1997-2008 | Home | Join | Login | Car Buying Articles | Research New Cars | Research Used Cars |          | Research Trade-in | Terms of Service | Sitemap | Browse Ads | Add Listing | Saved Ads |
To provide you a better idea let's take a look at an example.  See if you can find the hidden profit below.  Assume MSRP $ 27,900, and a credit score of 650.   
             Selling Price                                          Trade Allowance
             Down Payment                                      Monthly Payments
$28,300
N/A
$ 4,600
$ 550 - 575
Okay the obvious profit is in the above MSRP price.  But is there any more profit in the deal?  If so, how much and where is it? 
Assume that the new car has an invoice of $ 25,500.  With a credit score of 650 the car buyer qualifies for a competitive auto loan currently about 6%.  So is it a fair deal?  Let's see:
You should pay about $ 26,000 for the car.  With a 6% loan at 60 months your payments should be about $ 455 a month after putting $ 4,600 down. 
The trick is to know invoice, your credit score, and how to calculate your bottom line.  Additionally you'll need to know your term on the new loan. 
Need a little help making your car deal?  Take a look at our sample reports:  The Purchase Order | The Installment Contract.  Our members enjoy simply pointing and clicking their way to great deals.