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Started By
Message
Teach me how to buy a car
Posted on 9/1/16 at 4:14 pm
Posted on 9/1/16 at 4:14 pm
I'm in my mid twenties. My junk of shite from high school is about to shite the bed. I make 3000+ a month before taxes and have decent credit. Somewhere in there. Math is a bugaboo for me. I don't have a lot to put down. I also plan on selling my car out right because I won't get shite on the trade in. How do I tell them I only want to pay 400-450 a month on a note. Also. I want to get a truck. I'm also not opposed to buying used I just don't want to get something with 80k miles on it.
Eta: credit score is 660. Jesus frick
Eta: credit score is 660. Jesus frick
This post was edited on 9/1/16 at 5:47 pm
28
Posted on 9/1/16 at 4:14 pm to tigersownall
Money board baw
Posted on 9/1/16 at 4:14 pm to tigersownall
you are ready...but you need help trolling
Posted on 9/1/16 at 4:14 pm to tigersownall
Show up with these:
Posted on 9/1/16 at 4:15 pm to tigersownall
Will Cover method. It's on the money board.
Posted on 9/1/16 at 4:16 pm to tigersownall
quote:
How do I tell them I only want to pay 400-450 a month on a note
I wouldn't ever disclose what you're willing to pay monthly
Posted on 9/1/16 at 4:17 pm to tigersownall
Do NOT tell them what you can afford each month. For all they know grandma is gonna pay your note. Work on a price you can afford, then worry about the length of the loan. There are online calculators you can use to figure out the numbers. Know your shite before you go.
Posted on 9/1/16 at 4:17 pm to AHouseDivided
DO NOT tell them how much you want to spend per month...
Posted on 9/1/16 at 4:17 pm to tigersownall
quote:
How do I tell them I only want to pay 400-450 a month on a note
Umm I dunno... maybe stop being a pussy and just tell them..
Posted on 9/1/16 at 4:18 pm to tigersownall
If they ask "How much of a note are you looking to pay?", you should turn around and walk out the door.
This post was edited on 9/1/16 at 4:19 pm
Posted on 9/1/16 at 4:19 pm to tigersownall
Only buy at 0% interest and at the end of the month of a model year blow out sale.
Posted on 9/1/16 at 4:19 pm to FuzzyBearE
Okay baw. So how do I inadvertently say this is what I can afford.
Posted on 9/1/16 at 4:20 pm to tigersownall
quote:
and have decent credit. 550-640
If this isn't a troll... then your real question should be: "Teach me about credit scores."
I'll help start that one.
This post was edited on 9/1/16 at 4:24 pm
Posted on 9/1/16 at 4:22 pm to Powerman
Why not? I tell them every time what I want my note to be. I tell them what I'm paying now and what I want to pay. I also tell them I want no money down 0% interest. I make it clear that I will be buying a truck somewhere. We start there and work our way towards making a deal.
But I already have the truck picked out. This is the truck I want. This is where we start. Then we go from there.
BTW, I buy a new truck every 2 years so always have a decent trade
But I already have the truck picked out. This is the truck I want. This is where we start. Then we go from there.
BTW, I buy a new truck every 2 years so always have a decent trade
This post was edited on 9/1/16 at 4:25 pm
Posted on 9/1/16 at 4:23 pm to tigersownall
quote:
decent credit. 550-640.
Uh...
Posted on 9/1/16 at 4:23 pm to tigersownall
ETA: DOUBLE POST BONUS!!
This post was edited on 9/1/16 at 4:23 pm
Posted on 9/1/16 at 4:23 pm to tigersownall
quote:
So how do I inadvertently say this is what I can afford.
You don't. If you tell them how much you are willing to pay a month they will frick you. You will end up financing a car for 6-7 years.
You figure out what the most you are willing to pay for the car, the actual sales price, and you don't go beyond that.
Start below it.
Look at the money board and find Will Cover's post about it.
This post was edited on 9/1/16 at 4:26 pm
Posted on 9/1/16 at 4:25 pm to tigersownall
quote:
have decent credit. 550-640
Posted on 9/1/16 at 4:26 pm to tigersownall
quote:
How do I tell them I only want to pay 400-450 a month on a note.
That is not how you figure out what you can afford.
Find a good deal on a vehicle you like that you can pay off quickly.
A 5yr note with 10% interest on $18,000 is $382. If you pay an extra $75 per month you will pay it off in 4 years. Not counting anything you can put down up front and after you sell your car.
Having a car note is a great way to waste tons of money throughout your life.
Posted on 9/1/16 at 4:27 pm to tigersownall
Simple.
Find what you want.
Decide how much you want to pay.
Offer it.
You win or lose.
Go next place, wash rinse repeat.
Find what you want.
Decide how much you want to pay.
Offer it.
You win or lose.
Go next place, wash rinse repeat.
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