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Message
re: 0% financing on trucks
Posted on 4/20/20 at 12:09 pm to RTRinTampa
Posted on 4/20/20 at 12:09 pm to RTRinTampa
quote:
Huh? You need to explain this, please.
Do you think you insurance cost more because its financed?
He is an idiot and a troll. Ignore him.
0
Posted on 4/20/20 at 12:10 pm to Uncle JackD
Get a dodge with the full blown computer in it 
Posted on 4/20/20 at 12:11 pm to BabyTac
quote:
No, but if financed, your lender requires you to have full coverage.
If paid for, just minimum liability the government requires. I f’ing hate insurance companies.
So you'll cruise around in a brand new 50k truck with just liability?
Ok...
Posted on 4/20/20 at 12:27 pm to Jim Rockford
quote:
Dodge is offering 0% for 84 months.
Damn 84 months??!!??
Yeah, I know it's 0% interest, but with it being a Dodge, that shite will be halfway falling apart by the time you pay it off.
This post was edited on 4/20/20 at 12:30 pm
Posted on 4/20/20 at 12:33 pm to Uncle JackD
quote:
I’m hearing they are staying firm on price if I opt for 0%
Wouldn’t you still come out on top if you factor in the “total” cost of financing including interest payments and fees?
Posted on 4/20/20 at 12:37 pm to BuckyCheese
Absolutely will. I’ve never made an insurance claim. I’ll risk it and own the consequences if a worst case scenario happens.
Posted on 4/20/20 at 12:39 pm to Uncle JackD
quote:
0% financing on trucks
Same thing happened in October after 9/11. Lasted about a year. Take advantage if you're in the market.
Posted on 4/20/20 at 12:44 pm to Sao
How does this work for used trucks? I am in the market for a truck with ~10k miles. I sent an email to one dealership asking for their best price and he gave me sticker price. I told him to F-off.
Posted on 4/20/20 at 12:51 pm to CHiPs25
quote:....
0% financing on trucks
is a rip off. Take the rebates and finance it elsewhere.
Posted on 4/20/20 at 12:58 pm to BabyTac
quote:
Absolutely will. I’ve never made an insurance claim. I’ll risk it and own the consequences if a worst case scenario happens.
What’s the minimum property damage coverage out there in Texas, $25,000? Another minimum limits driver like yourself, or worse, an uninsured driver, can make you have a bad day. Is it not worth some amount of money to mitigate that risk?
Posted on 4/20/20 at 1:17 pm to LSUBanker
In normal market conditions, it is usually an either-or proposition. You get 0% or negotiated price, rebates, etc. I've calculated it out numerous times on transactions and usually zero% even with dealer incentives is usually more. However, right now, with the market conditions, who knows what they will offer. The dealer gets paid upfront on 0% or essentially the interest is in the price. You should get dealer incentives regardless because that is usually from the manufacturer if not, there are too many Dealers to not shop elsewhere.
Posted on 4/20/20 at 1:19 pm to Uncle JackD
get you some of that 84 month deal, baw.
Posted on 4/20/20 at 1:21 pm to CHiPs25
quote:
How does this work for used trucks? I am in the market for a truck with ~10k miles. I sent an email to one dealership asking for their best price and he gave me sticker price. I told him to F-off.
As you should. Used inventory is just like the new. In fact, they likely have less into the used as they do the new. Trades and/or auction deals and what not.
Posted on 4/20/20 at 1:23 pm to Uncle JackD
Can you finance for 4 years and still get 0%?
Posted on 4/20/20 at 3:59 pm to BabyTac
quote:
No, but if financed, your lender requires you to have full coverage. If paid for, just minimum liability the government requires. I f’ing hate insurance companies.
Wholly shite, you'd pay cash for a new vehicle and then only carry liability? You haven't thought this through.
Posted on 4/20/20 at 4:04 pm to Uncle JackD
quote:
I’m definitely not paying close to MSRP for a 2019 truck when sales are low.
Pretty savvy buyer not to pay MSRP on a 2019 truck in 2020.
Posted on 4/20/20 at 4:08 pm to Sao
quote:
Same thing happened in October after 9/11. Lasted about a year. Take advantage if you're in the market.
I bought a truck in December 2001. Had no idea that 0% was going to become the norm.
Posted on 4/20/20 at 7:23 pm to BabyTac
quote:I f'ing hate assholes who under-insure, cause wrecks, damage property, cause injury and sometimes kill PEOPLE, too, and in general ruin other people's lives because they're a cheap-assed, f'ing a-hole.
If paid for, just minimum liability the government requires. I f’ing hate insurance companies.
Posted on 4/20/20 at 7:24 pm to Uncle JackD
Pssst...the finance charges are included in the price, baw.
Posted on 4/20/20 at 7:28 pm to CHiPs25
quote:
How does this work for used trucks? I am in the market for a truck with ~10k miles. I sent an email to one dealership asking for their best price and he gave me sticker price. I told him to F-off.
I made an offer on a Toyota fj and the woman scoffed at me then raised the price on their website.
She's been emailing the last two days asking if I'm still interested. 
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