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Posted on 8/2/14 at 9:55 pm to 82fumanchu
Porsche 911 4S convertible... Ain't telling you how much but I'm going to get rid of it after this next shop bill.
Posted on 8/2/14 at 9:56 pm to N2cars
If you have to finance a car then it is too much of a car for you. Pay cash and move on. With that being said my note is 700 and I put 20k down! :)
Posted on 8/2/14 at 9:58 pm to N2cars
VetteGuy, I'm not saying you're wrong. I just want to know why not more than 48 at 0.0. We could afford it 36 if need be. I just like to learn for future reference. And I will have to buy a truck real soon.
Posted on 8/2/14 at 9:59 pm to lsu xman
$567 1.8%
I plan on keeping my jeep for a very long time though. And had not had a car payment for the last 6 years.
I plan on keeping my jeep for a very long time though. And had not had a car payment for the last 6 years.
Posted on 8/2/14 at 10:00 pm to foshizzle
Mine was $159.
I buy used cars between 20 and 30k and put tons down.
I buy used cars between 20 and 30k and put tons down.
Posted on 8/2/14 at 10:00 pm to lsu xman
1100 (wife) and $696 (me)
ETA I once would have thought those numbers were absurd until we started making enough money to afford whatever we wanted.
ETA I once would have thought those numbers were absurd until we started making enough money to afford whatever we wanted.
This post was edited on 8/2/14 at 10:03 pm
Posted on 8/2/14 at 10:00 pm to N2cars
quote:Financing at 0% while inflation hovers around 2% doesn't make a lick of sense? You've lost me there.
Financing a car almost never makes a lick of sense, even at 0%. Write the check and move on. The absolute worst decision is leasing, but anyone that can do math knows this.
Posted on 8/2/14 at 10:02 pm to foshizzle
No, it isn't.
Those rates are built into the price.
Do you think 0 is really 0?
Make this deal: tell them you are paying cash, but you'll agree to finance so they get the bump from whoever's carrying the paper. Then tell them to take another $2-300 off the price + the finance charge you'll have to pay even if you pay the loan off in 3-4 days.
Those rates are built into the price.
Do you think 0 is really 0?
Make this deal: tell them you are paying cash, but you'll agree to finance so they get the bump from whoever's carrying the paper. Then tell them to take another $2-300 off the price + the finance charge you'll have to pay even if you pay the loan off in 3-4 days.
Posted on 8/2/14 at 10:03 pm to N2cars
quote:
Financing a car almost never makes a lick of sense, even at 0%. Write the check and move on.
Even at 0.0%? That's absurd. I don't want a new car every few years though, my last one lasted nine years.
Money dumped into a relatively conservative investment portfolio five years ago could reasonably be close to doubled by this point in time. The Dow alone would have turned that forty grand into a hundred grand today. Making five, six hundred bucks a monthly expenditure to have capital free in times of investment opportunity will always be worth a few points to me.
The total interest paid on a $40,000, 1.74%, sixty-six month loan is going to be around two grand. If you can't take $40,000 and turn it into $42,000 in a year, you're doing it wrong.
Posted on 8/2/14 at 10:04 pm to FloridaMike
0 rates are almost always built into the price.
Compare what you'll pay at 0 vs cash. You might be surprised.
Compare what you'll pay at 0 vs cash. You might be surprised.
Posted on 8/2/14 at 10:06 pm to N2cars
Negotiate the price of the car and the financing seperate, everyone knows that.
Posted on 8/2/14 at 10:06 pm to lsunurse
I have been thinking about getting a new truck and getting rid of my Jeep but both my vehicles (personal and business) are paid for. Not sure if I want a note and/or shelling out the cash for something I don't really need.
My work truck is a 2005 Z71 that I rolled 200K miles on a month or so ago. I bought it brand new 10 years ago and have no plans of getting rid of it. I have put that truck through a lot towing equipment and getting to and from my job sites but it's still in great shape. I will hate to see it go when it finally bites the dust.
If I do get a new truck I am going to start it off as a personal vehicle and move it to my business vehicle. I should have started doing a while back for tax reasons but I am stupid.
My work truck is a 2005 Z71 that I rolled 200K miles on a month or so ago. I bought it brand new 10 years ago and have no plans of getting rid of it. I have put that truck through a lot towing equipment and getting to and from my job sites but it's still in great shape. I will hate to see it go when it finally bites the dust.
If I do get a new truck I am going to start it off as a personal vehicle and move it to my business vehicle. I should have started doing a while back for tax reasons but I am stupid.
This post was edited on 8/2/14 at 10:08 pm
Posted on 8/2/14 at 10:07 pm to lsu xman
$972
Posted on 8/2/14 at 10:07 pm to lsu xman
Mine is 435 a month at like 5% interest. Got it right out of school when I had no credit. I thought 435 was high until I read some of the ridiculous responses in this thread.
Posted on 8/2/14 at 10:09 pm to FishQuiz
Because in a lot of cases, 0 isn't really 0.
Car companies have to pay for money, too.
Shop a 0 deal at different dealers. If none will give you a better deal for cash, then take the 0. Just don't assume that 0 is really free.
Car companies have to pay for money, too.
Shop a 0 deal at different dealers. If none will give you a better deal for cash, then take the 0. Just don't assume that 0 is really free.
Posted on 8/2/14 at 10:11 pm to The Third Leg
quote:
put that into the market and in a year you'll be able to pay the interest of the life of the loan.
One word: RISK.
Posted on 8/2/14 at 10:12 pm to lsu xman
quote:
how many years
72 months. When I traded in my 2010 Transformers Edition Camaro, I had almost enough equity to cover the tax on my Porsche.
Posted on 8/2/14 at 10:13 pm to N2cars
1.49% through credit union, didn't finance through dealership
Posted on 8/2/14 at 10:15 pm to N2cars
quote:
Just don't assume that 0 is really free.
I just bought some construction equipment last week and went through this. Cash price was a better deal than the lower interest.
I took their cash price and financed it with my bank. Still coming out ahead.
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