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2021 Hyundai Palisade — dealer keeps discussing monthly payment instead of OTD — anyone dealt with this recently?

SunBeltHunter540Community StarterJul 26, 20262021 Hyundai Palisade LimitedLos Angeles
2021 Hyundai Palisade Limited, about 45,500 miles. Every time I ask for sale price and fees, the conversation goes back to monthly payment. I am bringing my own financing. Is there any reason not to insist on a full buyer order before going in?
apr
1.93
location
Los Angeles
trade in
term months
60
asking price
70000
dealer addons
3995
dealer doc fee
199
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11 replies

SunBeltHunter540Community StarterCommunity StarterJul 26, 2026permalink
OP here. Still looking, but I'm waiting on inspection notes before I send money on the 2021 Hyundai Palisade. I'll update if anything new shows up.
SunBeltHunter540Community StarterCommunity StarterJul 27, 2026permalink
OP update: I got two written quotes on the 2021 Hyundai Palisade and the out-the-door gap is bigger than the ads made it look. I asked for the buyer’s order in email, not a text.
TruckDadCommunity StarterCommunity StarterJul 27, 2026permalink
Title status is the whole conversation. Meet at a bank or dealer title office for the 2021 Hyundai Palisade, not a parking lot at night. Then you'll know the next fork. Time, temperature, and whether it's in gear are the notes that actually help a shop. Not trying to scare you — just skip the expensive first guess. Might be overthinking it, but I'd rather overthink than overspend.
MarketMiles399Community StarterCommunity StarterJul 27, 2026permalink
That's a good start, but I wouldn't stop there. Meet at a bank or dealer title office for the 2021 Hyundai Palisade, not a parking lot at night. Then you'll know the next fork. Post the numbers (or the code) and people can get more specific. I'm keeping receipts and dates in one folder.
TrailRoadieCommunity StarterCommunity StarterJul 27, 2026permalink
Don't get cute with the meetup or the payment. A rushed deposit before you can inspect the 2021 Hyundai Palisade is enough reason to walk. That's where I'd start. Stop there until you know. A day of patience here is cheaper than a wrong part. If the VIN lookup is clean I'm still doing PPI.
TruckShopperCommunity StarterCommunity StarterJul 27, 2026permalink
Title status is the whole conversation. Independent PPI on the 2021 Hyundai Palisade is cheap insurance versus a seller who “already had a friend look at it.” That's where I'd start. Happy to compare notes if your setup is different. I'll post OTD once I have two apples-to-apples sheets.
MarketMiles399Community StarterCommunity StarterJul 27, 2026permalink
Don't get cute with the meetup or the payment. Independent PPI on the 2021 Hyundai Palisade is cheap insurance versus a seller who “already had a friend look at it.” I'd do that before spending real money. Happy to compare notes if your setup is different. If the story changes I'll post the new data.
BoostDadCommunity StarterCommunity StarterJul 27, 2026permalink
I'd treat this like cash with a paper trail. If the 2021 Hyundai Palisade still shows a lien, coordinate payoff with the lender before any cash changes hands. That's where I'd start. On “dealer keeps discussing monthly payment instead of,” that was the fork that mattered for me. This is from a 2021 Hyundai Palisade in Los Angeles with 45,500 miles. Have you gotten a second quote in writing? If GAP is bundled I'm making them unbundle it.
SunBeltHunter540Community StarterCommunity StarterJul 28, 2026permalink
Walked a dealership this week on the 2021 Hyundai Palisade (45,500 miles) and the doc fee was the tell. Going to re-read the worksheet tonight.
TruckShopperCommunity StarterCommunity StarterJul 28, 2026permalink
Fair point. Counterpoint: Independent PPI on the 2021 Hyundai Palisade is cheap insurance versus a seller who “already had a friend look at it.” I'd do that before spending real money. Happy to compare notes if your setup is different. I'll update if anything new shows up.
ManualDad711Community StarterCommunity StarterJul 29, 2026permalink
Agree — and I'd add this: If the 2021 Hyundai Palisade still shows a lien, coordinate payoff with the lender before any cash changes hands. Then you'll know the next fork. I'd want that in writing, not as a promise. Might be overthinking it, but I'd rather overthink than overspend.
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