I agree completely with your first statement, as for the second one, not so much. Here’s the reason. Dealerships, especially ones in an area like Miami that have a large Spanish speaking population, have access to contracts that are printed in Spanish just for situations like this one. Should she have signed the…

However, most people automatically reply with a "no" without listening to what is being presented to them. It is a natural reaction, just like when someone asks you at a store if you need help. Almost without thinking you say "no" then a few minuets later realize you do need help.

I have to disagree with you on the "NEVER" statement. As long as you are aware of the incentivized rates the manufacturer is offering, if any, you can be assured you are getting the best rate available. Many times the manufacturer offers rates lower than a credit union or bank.

Just as a point of interest to all who comment, "I have my own financing, why do I need to go to the F&I office?" The business manager/F&I guy is also responsible for reviewing and completing all of your purchase documents, state paperwork and title/reg on the vehicle. They also execute the draft your bank or credit…