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re: Anyone financed a new car lately?
Posted on 4/25/25 at 7:30 am to Dawgfanman
Posted on 4/25/25 at 7:30 am to Dawgfanman
quote:
Ranger/Colorado/Canyon/Tacoma
Unreliable turbo 4-banger garbage with beds that are not adequate for my needs.
quote:
Frontier
Great truck (small bed notwithstanding) and was my first choice going in to this. Can’t find a Nissan dealer willing to respond and actually do business. Used to be a great company, sadly.
0
Posted on 4/25/25 at 9:13 am to DRTiger67
Walked in the GMC dealership the other day just looking around, was not approached or noticed by not one salesman.....not offended though
Posted on 4/25/25 at 9:37 am to DRTiger67
If you are in the market for a new car, just expand your search to nationwide. Depending on what you are looking for, you can either get a dealer to do a factory order for less than MSRP or even Invoice, or you find it on the lot what you are looking for.
2 of the last 3 cars I bought were in different states than where I live. Live in Texas, and it was a better deal to just fly and drive back on one and the other had shipped.
The last one I bought was this past summer from a dealer in St. Louis, it cost $650 to have it shipped to my door. It was $5000 cheaper than a similar one I was looking at here in DFW. The one I got was actually a higher MSRP than the local one with some extra options, and still cheaper.
The other out of state was from a volume dealer in VA, that would do 5% under invoice for factory orders. Used air miles for a free ticket to Washington DC and drove it back home. This one was pre-covid, but they still do it.
If you are buying new, you really do not need to test drive it. That is what a warranty is for. Tell to give you a crap ton of high res pics and videos.
USAA auto loans are sitting at 4.09% right now. The one I got this summer was 5.24%.
Unless you are buying a car over $100,000, interest rates should not impact you.
Just using random $50,000
$50,000 at 4.09% over 48 months is going to $4,320 of interest paid
Bump that up to a 6.35% (2024 Q4 average for new cars) loan and it goes to $6,025
Take it up to 7.1% (high qtr average over last 12 months) and you are at $7,767.
Personally I do not see them going up and dealers will offer finance options on plenty of new cars.
2 of the last 3 cars I bought were in different states than where I live. Live in Texas, and it was a better deal to just fly and drive back on one and the other had shipped.
The last one I bought was this past summer from a dealer in St. Louis, it cost $650 to have it shipped to my door. It was $5000 cheaper than a similar one I was looking at here in DFW. The one I got was actually a higher MSRP than the local one with some extra options, and still cheaper.
The other out of state was from a volume dealer in VA, that would do 5% under invoice for factory orders. Used air miles for a free ticket to Washington DC and drove it back home. This one was pre-covid, but they still do it.
If you are buying new, you really do not need to test drive it. That is what a warranty is for. Tell to give you a crap ton of high res pics and videos.
USAA auto loans are sitting at 4.09% right now. The one I got this summer was 5.24%.
Unless you are buying a car over $100,000, interest rates should not impact you.
Just using random $50,000
$50,000 at 4.09% over 48 months is going to $4,320 of interest paid
Bump that up to a 6.35% (2024 Q4 average for new cars) loan and it goes to $6,025
Take it up to 7.1% (high qtr average over last 12 months) and you are at $7,767.
Personally I do not see them going up and dealers will offer finance options on plenty of new cars.
This post was edited on 4/25/25 at 9:59 am
Posted on 4/25/25 at 9:48 am to SouthPlains
quote:
Tuesday: email Ford, Chevy, GMC, Ram, and Nissan dealerships across the US. Probably 25 in total.
If interested in a RAM call Mark Dodge in Lake Charles, LA. They usually give the best deals.
Posted on 4/25/25 at 11:02 am to DRTiger67
Financed one at 5.10% a few months ago
Posted on 4/25/25 at 11:25 am to Dawgfanman
quote:
You can get a new Ranger/Colorado/Canyon/Tacoma/Frontier for 15-20k less than that.
Them ain't real trucks baw
Posted on 4/25/25 at 11:28 am to HogPharmer
I just cant fathom paying any sort of higher interest on a fast depreciating asset like a new (or newer) vehicle. It was painful for me when we got my wife's previous 2014 MDX back in 2017 for 3.74% and that was painful for me.
My 2014 Accord I got brand new for 0.9% 60mo. Wife's newer 22 MDX we got last year for 1.49%/36mo CPO.
Just cant fathom paying 5-6-7-8% on a vehicle, so much money down the drain on something that just depreciates like a rock.
Find manufacturer subsidized rates and use that if you can.
My 2014 Accord I got brand new for 0.9% 60mo. Wife's newer 22 MDX we got last year for 1.49%/36mo CPO.
Just cant fathom paying 5-6-7-8% on a vehicle, so much money down the drain on something that just depreciates like a rock.
Find manufacturer subsidized rates and use that if you can.
This post was edited on 4/25/25 at 11:29 am
Posted on 4/25/25 at 12:10 pm to thunderbird1100
GM quoted me (without seeing my finances or anything - just their baseline financing) at 9.99% the other day.
Laughable. And they just announced a stop sale of the 6.2 due to catastrophic failures.
Laughable. And they just announced a stop sale of the 6.2 due to catastrophic failures.
Posted on 4/25/25 at 1:08 pm to SouthPlains
I just went on Chevy's website and they are doing 2.9% for 72 months on Silverado 1500's and 2.4% for 36 mo. That's not bad.
LINK
Edit - looks like the 2.9% is only on the turbomax equipped Silverados with the 2.7 turbo. But 2.4%/36 is on every 1500
LINK
Edit - looks like the 2.9% is only on the turbomax equipped Silverados with the 2.7 turbo. But 2.4%/36 is on every 1500
This post was edited on 4/25/25 at 1:11 pm
Posted on 4/25/25 at 1:50 pm to AirbusDawg
quote:
Tundra recently with 1.9%. That's better than paying cash. I'll let my money earn me more, and borrow from the bank for less.
Posted on 4/25/25 at 5:45 pm to DRTiger67
I did one at 0.9, 0 for 48 was on the table but its a toy and I wanted a lower payment just in case. I don't pay extra on it, but I put aside extra for it if that makes sense. I have an account just for our cars and I put 1.5X the car payments in them each month and it auto drafts the payments.
Posted on 4/28/25 at 8:51 am to Roy Curado
quote:
Be in the market sooner rather than later if you are worried about Tariffs.
All cars I'm interested in are built in the US. Not really worried about tariffs.
Posted on 4/28/25 at 6:19 pm to i am dan
Think the price will increase on all vehicles, some American models use foreign made parts
Posted on 4/28/25 at 9:03 pm to Chad504boy
quote:
anyone know what honda finance rates are right now?
My wife just got 4.9% through Honda.
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