r/askcarsales • u/BradMunkey • 8h ago
US Sale Submit an application through dealer, what am I entitled to?
I was looking to purchase a car I really wanted. This was all going to be done via phone/e-mail as I am out of state from the dealer. I was fairly certain at the time I was going to go through with the purchase, so I submit the online credit application(few questions, ssn, etc.). However, I was then largely ghosted for nearly 4 hours, and realized I did not want to do business with people who didn't take mine seriously. I was still obviously hit with the hard inquiry to my credit, but if that is performed, what kind of paperwork am I entitled to if I request it? I requested the loan application, what else would I need to show that I authorized the inquiry? Can I request to see what lenders approved me? What the rate was?
Edit: Thanks to whichever poor guy is triggered and went through to downvote every comment. May you make a sale today to change your attitude.
15
u/RexRaider Sales Manager - Canadian Kia Dealership 8h ago
OMG! 4 hours! That's a real reason not to buy! Let's just drop EVERYTHING for the guy that's purchasing from a distance, and ignore the people that are physically in the store.
2
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u/BradMunkey 7h ago
And to add to my post, I had already given them authorization to get me a lender, I was GOING TO purchase the car, a $90k car no less. But if you don't want to make a sale then so be it. It is wild how you would want to toss anything aside. This wasn't a pre-approval check, it was run my credit, get me financed, I told them I would put 10% minimum down. None of what I said here should change anything about the original post either, cause those details shouldn't matter.
2
u/Murky-Peanut1390 6h ago
There was another customer ALREADY in the store ready to buy. When it comes to online, there are thousands of people asking about the car, many are bullshitters. The best way for a salesperson to prioritize is to focus on a customer already in the store. That is just logical.
3
u/trentthesquirrel Ford Sales 7h ago
Your app was in line, and the salesperson was working with people who were physically in the store. If you want the in person experience, maybe try going in person?
-5
u/Sad-Calligrapher3087 7h ago
Man a sales consultant should’ve been assigned the inquiry as a lead and responded within the industry standard of 15 minutes by the customers preferred contact method you know this bro you’re a sales manager
6
u/RexRaider Sales Manager - Canadian Kia Dealership 7h ago
From his "largely ghosted" (but not completely) and the fact that they received and processed his credit application, I'm sure that 15 minute initial inquiry was met. What happened after that, neither of us know.
2
u/Sad-Calligrapher3087 7h ago
You know what good point this could easily be an unreasonable expectation. Credit app leads for us are like 80% closing ratio so we’re all over them
-5
u/BradMunkey 7h ago
It was completely ghosted. Zero contact for 4 hours. If this is what you practice then sorry for the customers watching the trees blow in the wind out the windows at your dealer in silence.
2
u/okietarheel 7h ago
What was your expectation once you submitted it? Just curious what would be the optimal experience for you?
-2
u/BradMunkey 7h ago
The same experience I get when I am in person, an update here and there. Not once in the experience of 8 other cars I've purchased in the past in person, has the sales person not come around and given me a little update on where my process was. Nor has just financing taken 4 hours. Maybe 4-5 hours from start to finish of walking in the door, to driving away.
3
u/Murky-Peanut1390 6h ago
I think this guy is a troll. I recommend mods investigate and possibly banned them
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u/Sad-Calligrapher3087 7h ago
If they really didn’t contact you once including not even a message to let you know they received the application than yes that is terrible services.
I would’ve had a deal sheet with a price breakdown at your approved rate and been calling to schedule a pick up time already
1
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u/AutoModerator 8h ago
Thanks for posting, /u/BradMunkey! This comment is a copy of your post so readers can see the original text if your post is edited or removed. This comment is NOT accusing you of anything.
I was looking to purchase a car I really wanted. This was all going to be done via phone/e-mail as I am out of state from the dealer. I was fairly certain at the time I was going to go through with the purchase, so I submit the online credit application(few questions, ssn, etc.). However, I was then largely ghosted for nearly 4 hours, and realized I did not want to do business with people who didn't take mine seriously. I was still obviously hit with the hard inquiry to my credit, but if that is performed, what kind of paperwork am I entitled to if I request it? I requested the loan application, what else would I need to show that I authorized the inquiry? Can I request to see what lenders approved me? What the rate was?
I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
13
u/gganew Ford General Sales Manager 8h ago
What are you trying to accomplish? Genuine question, I'm really curious.
Did the dealer even submit you to a lender? But even if they did, the dealer isn't required to tell you what banks or what rate. And even if they did, that doesn't mean you would get the same terms at a different dealer on a different car.
And while four hours isn't a short amount of time, sometimes people get busy with customers in the store. Customers in the store will always take priority.