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Tag: Rebates

How Do Factory To Dealer Incentives Work

How Factory To Dealer Incentives WorkHow Factory Incentives Work?

There is how factory incentives work for consumers buying a new car in Canada? This article will assist you in finding out about; how to get a great deal on a new car, it explains what factory to dealer incentives are, how factory dealer incentives work and how to find out if your vehicle has factory incentives?

What Is a Factory-To-Dealer Incentive?

A factory incentive is a rebate the factory offers to the dealer on certain models due to a number of reasons. These incentives are not advertised to the general public and usually won’t be passed on to the customer unless they know about it. Manufactures will offer these incentives to boost sales on models that aren’t selling well, when a set sales target has been reached or to encourage dealers in selected regions to move more cars. These rebates can be anywhere from $500 to $5000 which thereby makes the cost of the vehicle much cheaper for the dealer.

How Factory Incentives Can Help You?

If you know about the current incentives available on the vehicle you are purchasing you can use that information as a bartering tool to obtain a better price. For example, if you are buying a $25,000 car and there is a $5000 factory-to-dealer incentive currently in effect you could effectively buy that car for $20,000 if the dealer passes that rebate on to you. Technically the dealer isn’t losing any of his/her money by doing this because it’s coming directly from the factory. On the other hand if the customer didn’t know about the incentive the dealer would be able to pocket the $5000 which is why they are quite reluctant to tell customers about these offers.

How to Find Out if Your Vehicle Has Factory Incentives?

Currently there are only a few places to find out about factory-to-dealer incentives. Depending on whether you live in Canada or The United States there are a few companies that provide this hidden information at a nominal fee. In Canada there is www.CarCostCanada.com a company that provides factory incentive information along with their new car invoice pricing reports. In the US there is FightingChance.com, a site that emphasis’s on factory-to-dealer incentives. Last but not least is Consumer Reports, a company known for delivering relevant information to consumers of every industry. Their website, ConsumerReports.org, offers reports to both US and Canadian customers.

What is a good price? It’s a difficult question that no one can answer right away. The right price depends on supply and demand at the time you purchase that specific car you want. The key to get a good price is through your engagement call to the car dealers to bid competitively for your business.

Car Buying vs. Car Financing? Most of the car manufacturers offer special financing plans as an alternative to cash rebates. Comparing a better deal in between financing and cash rebate depends on the size of the customer’s rebate, the car manufacturer’s offered APR, APRs available from other auto lenders, the borrowing amount, and the borrowing terms. As no one want to lose the benefit of getting a good price on a new car by paying too much on financing, check the annual percentage rate (APR) offered by banks and other lenders to determine your financial suitability on your car loans in relation to savings as a cash rebate customer.

Anyway, the new car buying information you need to get the best possible price on your new car is out there, the choice of using it is up to you being a customer. But when educated buyers are saving four, five or $6000 off their purchase, why wouldn’t you want to be one of them?


Credit Card Facts Canada

Credit card companies in Canada charge certain fees for certain type of transactions like cash advance, balance transfer, late payment and other types of transactions. Likewise, they offer special features and incentives like travel accident insurance and others.

Fees To Be Paid

Under any circumstances, the following are charged by most Canadian credit card companies:

  • Annual fee: It’s paid for being a user of the card
  • Cash advance fee: It’s paid when the card is utilized for making a cash advance; usually a flat fee or a percentage of the amount advanced
  • Balance-transfer fee (BTF): It’s paid when a balance from another credit card is transferred to the other card. Checks are usually sent to pay-off the card. Balance transfer happens when the check is used to settle the amount due on the other card.
  • Late-payment fee: It’s paid if payment was done after the date due
  • Over-the-credit-limit fee: It’s paid for payments exceeding the credit limit
  • Credit-limit-increase fee: It’s paid for a credit limit increase request
  • Set-up fee: Paid for opening a new credit card account
  • Return-item fee: Paid for returned checks when bill payments by check was done for insufficiency of funds (meaning, the check bounced)
  • Other fees and charges: Payments made for over the phone settlements, cost coverage for credit bureau reporting, account review, provision of other customer services. Other fees and charges are information which may be found on the credit card agreement.

Credit Limit

The credit limit is the maximum cost – for making purchases, cash advances, transferring balance, finance charges- which may be charged on the credit card. An over-the-credit-limit fee will be paid for exceeding the credit limit.

Features and Incentives

Incentives and special features are offered by many credit card companies for using the card :

  • Rebates money discounted on purchases
  • Regular flier miles or minutes for telephone-conversations
  • Additional warranty coverage for purchased items
  • Insurance for car rental
  • Insurance for accidents incurred while in travel
  • Credit card registration, in case wallet is lost or stolen and a report of missing credit cards had been made

For a certain amount, credit cards may also offer, Insurance coverage on credit card balance payments for card holders who become jobless or disabled or suddenly dies. Premiums are usually paid monthly, allowing payment cancellation if payments are more than what the desired payment amount is or if the insurance is no longer needed.

Credit card facts Canada highlights some of the important points that credit cards consumers usually look when applying for a credit card but you should always try to get updated information on your desired credit card application page and prior to availing of these special features, carefully decide whether these features are useful. Never pay for a feature which is not needed or is not useful.


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