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Who’s buying a new truck this month and what prices and financing numbers are you getting?
Posted on 3/17/24 at 7:58 pm
Posted on 3/17/24 at 7:58 pm
I see a lot of .9% 1.9%. But damn truck prices are still high. I’m an OT poor and can only afford a $600 note.
This post was edited on 3/17/24 at 8:04 pm
23
Posted on 3/17/24 at 7:59 pm to TJack
quote:
I’m an OT pour
An OT drunk? Arent we all?
Posted on 3/17/24 at 8:00 pm to TJack
quote:
I’m an OT pour and can only afford a $600 note.
Just roll that used Silverado out to 84 months man.
Posted on 3/17/24 at 8:00 pm to TJack
quote:
OT pour
quote:
can only afford a $600 note.
I'm sure they will convince you that everyone is financing 10 years these days
Posted on 3/17/24 at 8:02 pm to TJack
quote:
I see a lot of .9% 1.9%. But damn truck prices are still high. I’m an OT pour and can only afford a $600 note.
If you can't afford to pay cash for a depreciating asset then you can't afford it.
Save yourself the trouble, buy a used truck and put that $600 a month into a Roth IRA.
Posted on 3/17/24 at 8:02 pm to TJack
My bank came back at 5s for 60 mo. Credit is great. Just not a lot of good financing right now.
I refuse to pay financing on vehicles. It's promotional 0% or cash for me.
I refuse to pay financing on vehicles. It's promotional 0% or cash for me.
This post was edited on 3/17/24 at 8:03 pm
Posted on 3/17/24 at 8:03 pm to TJack
I pay $1497 for 96 months. Only 95 months more to go and I can move out of the truck and rent an apartment.
Posted on 3/17/24 at 8:08 pm to TJack
Buy a used Civic and with a fraction of the money you saved you can buy plenty of Extendz.
Posted on 3/17/24 at 8:09 pm to Miglez
quote:
If you can't afford to pay cash for a depreciating asset then you can't afford it.
If I can get 8% in the stock market or 5% in a CD, you want me to pay cash when the finance option is .9 or 1.9%? Sounds legit
Posted on 3/17/24 at 8:09 pm to TJack
Bought a new MINI yesterday. 5.9% interest rate. Seems to be about average nowadays.
ETA: Here's a picture. MINI Cooper JCW 1 to 6 Special Edition. The last of the six speed manual transmission MINIs.
ETA: Here's a picture. MINI Cooper JCW 1 to 6 Special Edition. The last of the six speed manual transmission MINIs.
This post was edited on 3/17/24 at 8:29 pm
Posted on 3/17/24 at 8:09 pm to Lsupimp
quote:
Only 95 months more to go and I can move out of the truck and rent an apartment.
At current prices and rates, and without some sort of additional funding sources, people making under 110-120k or so really shouldn't be buying an XLT, LT, SLT trim level trucks, which is sort of wild. I know plenty still are though.
This post was edited on 3/17/24 at 8:10 pm
Posted on 3/17/24 at 8:11 pm to TJack
GMC Denali 4WD for 73k. Didn't really want one but needed to spend the money. Long story.
Posted on 3/17/24 at 8:14 pm to fallguy_1978
I would up those numbers bc that’s my situation. Drove a Sierra for 12 years. I really don’t understand how some do it.
This post was edited on 3/17/24 at 8:15 pm
Posted on 3/17/24 at 8:15 pm to TJack
Bought a 4Runner a few months back. 7.5 percent with both over 800 credit score.
Posted on 3/17/24 at 8:16 pm to TJack
quote:
I would up those numbers bc that’s my situation. Drove a Sierra for 12 years. I really don’t understand how some do it.
On average, if you are making 85k you can't comfortably afford a 58k truck. That's a very unwise financial choice for 85% of people in that income bracket at least.
Posted on 3/17/24 at 8:20 pm to fallguy_1978
I think you'd be appalled at how many people are seriously underwater on car notes and the rates that some of them are paying.
Posted on 3/17/24 at 8:21 pm to Miglez
quote:
If you can't afford to pay cash for a depreciating asset then you can't afford it.
This cash is king mentality was built in the conditions in 70s-80s.
You don’t want to get over your head in debt, but cars and houses are the places to take it.
You will lose more to opportunity costs saving up for the car then you will gain by interest costs.
The only caveat is you shouldn’t push the car past a 5 year note ever.
This post was edited on 3/17/24 at 9:10 pm
Posted on 3/17/24 at 8:22 pm to HarryBalzack
quote:
I think you'd be appalled at how many people are seriously underwater on car notes and the rates that some of them are paying.
It's the American way. My wife tells me all of the time about people she deals with at work that are paying $1300/mo to drive and aren't really very high earners.
Posted on 3/17/24 at 8:24 pm to TJack
BMW last week .. 1.5% 36 months and 8% off sticker …
This post was edited on 3/17/24 at 8:26 pm
Posted on 3/17/24 at 8:26 pm to fallguy_1978
quote:got dam baw
It's the American way. My wife tells me all of the time about people she deals with at work that are paying $1300/mo to drive and aren't really very high earners.
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