The FML Files · 3 min read
Your car salesman’s tier list of excuses, ranked.
Every classic dealership line, ranked S to F, with the honest version and what to say back.
Every dealership has a playlist. You’ve heard the hits. We ranked them from S-tier (legendary, timeless, still works on smart people) to F-tier (please, at least try). Jokes about the script, not the people reading it: most salespeople hate half of these too.
S-tier: the GOATs
- “Another couple is looking at this exact car. They’re coming back at 4.”
- The undisputed champion. Creates urgency out of thin air. Sometimes it’s even true. Doesn’t matter: if this car sells, the same model exists at another store, and a deal that only works under a stopwatch isn’t a good deal.
- “This price is only good today.”
- Timeless. Elegant. Almost never true. If it’s good today because of a month-end target, it’ll usually still be close next week, and you can ask for it in writing either way.
- “My manager is going to kill me for this.”
- Your salesperson will survive. Promise. The manager approved the number before it reached you.
A-tier: strong performers
- “We’re already below invoice.”
- Invoice isn’t the dealer’s true cost. Holdback, factory incentives and dealer cash sit underneath it. Below invoice can still be profitable.
- “The doc fee is required by the state.”
- Some states cap doc fees. Very few require one. It’s a dealer charge. Ask for the price reduced to offset it.
- “The add-ons are already installed, we can’t take them off.”
- Then they can come off the price. VIN etching that’s already etched is still an optional charge.
“Another couple is looking at this car” has been true roughly as often as “I’ll start my diet Monday.”
B-tier: mid
- “Your trade is worth less because of the market.”
- Sometimes legit: wholesale values move. Get two outside offers and you’ll know whether it’s the market or the margin. Our trade-in page shows the math.
- “We can’t give you an out-the-door price over email.”
- They can. Many do. The ones who won’t are telling you what the visit will be like.
C-tier and below: please try harder
- “The bank requires the extended warranty.”
- F-tier, and a red flag. Optional products are optional. If anyone says the lender requires one, ask for that requirement in writing from the lender. Watch how fast the subject changes.
- “Those are dealer-installed nitrogen tires.”
- D-tier. It’s air. Mostly. See our nitrogen list.
- “The computer won’t let me change that.”
- C-tier. The computer is very obedient when the manager wants it to be.
- “If you leave, I can’t guarantee this car will be here.”
- C-tier. Correct, and also fine. There are other cars. There are always other cars.
Notice the pattern? Every line, from S to F, pushes you to decide now, in the store, without comparing. That’s the whole game. Your only job is to slow it down and get things in writing.
“The bank requires the warranty.” Cool. Show me where the bank wrote that down.
Honorable mentions
Didn’t make the list but deserve respect: “I’m new, so I really need this one” (sometimes true, still not your problem), “we just had a price increase this morning” (bold), and the all-time classic, a salesperson saying “let me see what I can do” and then doing nothing for 25 minutes. Each one is the same move wearing a different hat: decide now, here, without comparing.
OK, jokes over. The actually-useful part
How to neutralize every tier at once
You don’t need a comeback for each line. You need one habit: everything in writing, nothing decided under a clock.
- Email three stores for an out-the-door price before you visit; a written number beats any line on this list.
- Bring your own financing (a pre-approval) so “the bank requires” has nowhere to hide. See financing help.
- Set a time limit before you go and tell the salesperson up front: “I have 90 minutes.”
- Leasing? The same lines show up with different nouns. Read lease strategy before you sign anything with a money factor on it.
- Want someone in your corner? See the plans, from a $249 Deal Review to $499 Full Concierge.
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Satire about sales tactics, not people. Characters are made up; the tips are real. Laws vary by state.
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Quick answers
Is “this price is only good today” true?
Rarely in a meaningful way. Month-end targets and incentives do change, but a fair price is usually still available a few days later. Ask for the offer in writing and compare it with other dealers.
Can a lender require me to buy an extended warranty?
Service contracts are optional products. If you’re told a lender requires one for approval, ask for that requirement in writing from the lender, and consider shopping your financing elsewhere.
More from The FML Files
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Stubbing your toe, group projects, a 4-hour layover. Things that hurt less than paying for air.
How to leave a dealership without a 6-hour hostage situation
Your keys are “with the appraiser.” It’s been four hours. Here’s the extraction plan.
All of The FML Files
Twelve funny, genuinely useful reads about getting F’d by the car business, and how not to.