CAR DEALER SCUMBAGS: 70 Years of Greed, Lies, FAKE FEES & Add-Ons: Kevin Hunter The Homework Guy
Why Car Dealers lie, steal, cheat and scam car buyers on new cars and used cars alike. Their track record runs 70 years, and shows a trail of deception, lies, fees, junk products, and greed. This story by Kevin Hunter The Homework Guy and Amazing Elizabeth.
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How to Beat the Dealer—In Plain English
Let’s turn all that history into action. Here’s the Homework Guy four-part plan that works in today’s car market:
1) OTD or we’re done.
From the comfort of home, ask for the Out-The-Door price in writing before you visit—vehicle price, tax, title, every fee, and every add-on. No clean OTD, no trip to the dealership. See our FREE blog on how to do this. We’ll put a link in the description box below.
2) Don’t say “I’m paying cash.”
I know—it’s funny that this still shocks people. Lead with cash and you lose leverage. Dealers want financing profit. The smart move: get pre-approved with your credit union or bank, see if the dealer can beat the rate, and if there’s no prepayment penalty, you can decide later. Cash is a strategy, not a slogan. See our video on the 4 ways to pay for your car.
3) Kill the yo-yo.
No taking the car until funding is final and the signed numbers match. If they pressure you to take it anyway, the answer is simple: “Not until funding is finalized and in writing.”
4) Refuse “mandatory” add-ons—on paper.
If anything is “required,” you say: “Please note ‘mandatory to purchase’ on the buyer’s order.” Either it disappears or you just collected Exhibit A for regulators.
Red Flags = Time to Walk
They won’t email a written OTD.
“Mandatory” add-ons you didn’t ask for.
“Internet price” that morphs when you arrive.
They insist you take the car today before funding clears.
They push “extended warranty” without explaining who the administrator is, how claims work, or how refunds are calculated.
The easiest negotiation is the one where you never start with the wrong store. If they won’t be straight at the keyboard, they won’t be straight at the desk.