Mino

After years of driving my gramps dying 1990 Ford Tempo, mechanically totaling a 2007 Saab, and a few motorcycles. I bought this after calling numerous dealers and either being laughed at asking for below MSRP or told pre-sold/deposited already.

Here is a timeline with pictures through VinWiki of this 2024 Civic Hatchback Boost Blue 6MT.

Purchase Details:

MSRP for this example starts at $27,900 USD
Boost Blue Pearl ($455)
Destination + Handling ($1,095)
Negotiated and bought for $25,695 before accessories, taxes and doc fees. (a discount of 7.9%)

Dealer Installed accessories + fees came to $1,322.50
$153.53 - Seat Back Protector
$537.90 - Illuminated Door Sill Trim
$631.07 - Paint Matching Tailgate Spoiler HPD
$0 - Dealer installed tint (not itemized/charged in contract but priced $394)
~$406.50 - Dealer Fees pre-tax (Doc, title, plates, inspection, Dealer Inv. Tax)
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Total before taxes: $27,485.44
Nearly 1.5% BELOW MSRP OTD w/ 4.8% of total paid being accessories and fees.
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Other cool notes:
Initial Public Pricing of $29,439 Dated July 31st @2AM through TrueCar - PenFed
First contact by sales the next day at 10:21AM CST after replying to an automated sales message July 31st with:
"$26,391

That is a competing offer north of me in for a red 6MT Sport Hatch.

I prefer the blue, I know the color cost a few hundred, get me no dealer adds and throw in a mix of door visors, the lit door sill trim, or HPD accessories (if I had options that'd be awesome). and i will put in a deposit and pickup asap.

Feel free to call my phone a few times and I'll try to wake up (evening shift)

Thanks, (name + contact info)"

Initial Asked discount was 5.4% (26,391 from 27,900) July 31st
Initial Sales discount offered 6.82% (25,995 from 27,900) and put in writing Aug. 2nd
+ doc/license fees (pre-tax) of $244.50

Car only had 12 Miles Aug. 2nd 2024
Deposit of $500 after $1000 was asked, Aug. 3rd
Purchased flight w/ Southwest MCI to HOU for $359.98 + prearranged $50 uber driver trip to airport, Aug. 4th (self cost 409.98, not cost of car)

Dealer arranged and paid for Uber from HOU + 35 miles/1hr traffic
Seemless with Uber Installed, no personal charge.

Car purchased with 15 Miles Aug. 9th



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Honda Finance Promotional Rates were as follows
3.9% - 48 Months
4.9% - 60 Months
5.9% - 72 Months ** this was the taken rate/deal, after rate buying down Mil. 1 Bank equivalent rate

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Military & big retail related CU/Bank Rates offered were as follows best to worst:

Mil. 1 Bank w/ a co-signer ~100k of income total @120% LTV and up to $37,500 approved; longtime 11yr banking customer with no loans relationship, personal credit score 737 thru Experian:
4.74% - 36 Months
4.84% - 48
4.89% - 60 * negligible $14 rate buy down difference @MSRP no fees
5.64% - 72 * Better than HFS, $246 rate buy down difference @ MSRP no fees

'' - alone ~50k income
6.09% - 36 Months
6.19% - 48
6.29% - 60
6.39% - 72

Mil. 1 CU alone ~50k income, no listed LTV and up to $22,400 (asked amount) previous loan relationship of 10k @10% 4 years prior 2/ co sign:
6.44% - 36 Months
6.69% - 48
6.74% - 60
7.09% - 72
8.04% - 84

Mil. 1 CU w/ Co-sign ~100k income, '' same as last above:
5.84% - 36 Months
5.89% - 48
5.99% - 60
6.29% - 72
7.19% - 84


Big Retail Bank 1 alone ~50k income, no listed LTV and up to $20,800 (total offered):
7.54% - 48 Months
7.94% - 60
8.84% - 72

Called local CU's and Banks and all prime rates where worse than Mil CU/banks offered starting at 6% - 48 months

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Other neat notes:
According to Chris Perkins, Editor at Motor1 Jan. 17th 2024
"Civic Manual Take Rate: 7% [of ~200k+ US/CDM]
[including only manual] transmissions offered on both the Si and Type R...Honda sold over 200,000 Civics [for 2023 per honda]"


Manual transmission exported from India
Likely this facility in Honda India Tapukara, Rajasthan