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2
Posted on 10/15/18 at 2:56 pm to Jim Rockford
I can get you another side loan for 96 months to cover the lift and wheel package...
Posted on 10/15/18 at 2:57 pm to LSUFanHouston
quote:
A neighbor did 84 months... on a 4 year old Yukon.
Another friend leases a new car every 3 years. She figures she's "used" to always having a car payment, so it's in her budget, so it's all good.
I don't really have a problem with your friend who leases.
That person with the 84 month payment is probably going to trade it in after 5 years and is probably paying more per month than the leaser.
Posted on 10/15/18 at 2:57 pm to Jim Rockford
Truck nuts [ON] OFF
Posted on 10/15/18 at 2:59 pm to MrLSU
quote:
A 9 year car loan always pays off for borrowers!
I thought 5 years was too long.
Posted on 10/15/18 at 3:00 pm to Jim Rockford
quote:
That Denali edition 1500 gonna look sweet sitting in my driveway
Don't let the haters come in and tell you that is a terrible waste of money. Hell, you'll make money by investing cash in the stock market and making your 108 reasonable payments until damned near 2030.
Go for it, baw.
Posted on 10/15/18 at 3:01 pm to LZ83
I’m not a car/truck guy.....I’ve bought the same truck the last 3 times I wanted a new one
Posted on 10/15/18 at 3:01 pm to Jim Rockford
You laugh, a friend works at a local dealer here in Tampa and said that greater than half of the loans on trucks in particular are at least 7 years. He also said between cash and trade ins most bring less than $5,000 to the table.
This post was edited on 10/15/18 at 3:03 pm
Posted on 10/15/18 at 3:02 pm to GetCocky11
quote:
That person with the 84 month payment is probably going to trade it in after 5 years and is probably paying more per month than the leaser.
An 84 month payment on a 4 year old Yukon will essentially be paying a note on an 11 year old car.
Those are good vehicles, but who the frick wants a note on a car that old?
Posted on 10/15/18 at 3:04 pm to Nado Jenkins83
quote:
Well if you offshore
Jody driving it
Posted on 10/15/18 at 3:04 pm to wiltznucs
quote:
You laugh, a friend works at a local dealer here in Tampa and said that greater than half of the loans on trucks in particular are at least 7 years.
This is pretty alarming.
I wonder how many automobile sales in the US would dry up if just a fraction of those loans weren't available.
Posted on 10/15/18 at 3:04 pm to Jim Rockford
And there will be people lining up to make a $600/month 108 month commitment too. Because the only number that matters is the monthly payment.
Posted on 10/15/18 at 3:04 pm to dewster
84 months on a 4 year old vehicle ? bullshite , no bank is gonna make that loan.
Posted on 10/15/18 at 3:04 pm to Jim Rockford
Only a moron would finance a vehicle for 9 years. 
Posted on 10/15/18 at 3:08 pm to LZ83
quote:
I hope you’re not serious.
Are you really laughing at someone for not knowing about some Dodge cars?
Posted on 10/15/18 at 3:08 pm to Tchefuncte Tiger
If it’s a super low interest rate, why not?
I mean, it’s moronic to pay $70k for a SUV but if you’re going to do that, just as well stretch out the payments if the APR is low.
I mean, it’s moronic to pay $70k for a SUV but if you’re going to do that, just as well stretch out the payments if the APR is low.
Posted on 10/15/18 at 3:13 pm to biglego
quote:
I mean, it’s moronic to pay $70k for a SUV but if you’re going to do that, just as well stretch out the payments if the APR is low.
And there it is folks (and I love biglego), but this kind of thinking is why cars cost so much, depreciate so fast and folks are locked into debt slavery as a way of life.
Period.
Posted on 10/15/18 at 3:14 pm to biglego
Need to know the interest rate.
0% for 108 months and no early payment fees...sign me up!
Time value of money folks. Doubt this is at 0%
0% for 108 months and no early payment fees...sign me up!
Time value of money folks. Doubt this is at 0%
Posted on 10/15/18 at 3:17 pm to lynxcat
I keep vehicles 12-18 years and see no problem with a long term.
Posted on 10/15/18 at 3:18 pm to Ace Midnight
quote:
And there it is folks (and I love biglego), but this kind of thinking is why cars cost so much, depreciate so fast and folks are locked into debt slavery as a way of life.
Period.
It amazes me that people have been tricked into only thinking about the monthly payment. I'e seen people just flat out not care that they were paying $5 or 6 thousand more for the same vehicle over the life of the note by going with a longer note, simply to save $50 each month or whatever.
You gotta negotiate each phase separately. Believe me, if Ford is wiling to knock $8K off the sticker of that F250 if you finance for 84 months but they say only $5K off the sticker if you finance for 60 months, if you just hold firm, they'll come down the $8K on the 60 month, etc etc.
Bottom line, negotiate the price THEN discuss financing.
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