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InvisibleTheFakeSunRa
Bitch Splitter
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Registered: 03/01/05
Posts: 16,449
Loc: Dirdy SOUF Flag
How much is your car note?
    #26448480 - 01/23/20 03:51 PM (4 years, 24 days ago)

i was just looking online because I need a new used car soon

It’s frustrating

and people with bad credit paying 19%

fuck


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[quote]Asante said:
You constantly make posts thatr fling middle school insults at people you don't like mixed in with maladjusted psychopathic comments about wanting to beat up the other poster with a crowbar.

You know how shit you are, you just don't give a fuck for precisely that reason.

I disendorse you.[/quote]


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Invisibletyrannicalrex
Strange R
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Registered: 04/24/03
Posts: 38,331
Loc: subtropics
Re: How much is your car note? [Re: TheFakeSunRa]
    #26448487 - 01/23/20 03:54 PM (4 years, 24 days ago)

5.9%. Just got a car actually, 2016, less than 18,000 miles, one owner, super clean carfax, regular maintenance.:grin: (my credit score is an "A" buyer though, 820)


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Invisibletyrannicalrex
Strange R
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Registered: 04/24/03
Posts: 38,331
Loc: subtropics
Re: How much is your car note? [Re: TheFakeSunRa] * 1
    #26448488 - 01/23/20 03:55 PM (4 years, 24 days ago)

Dude, if you can get a used buick lesabre, they are really good and cheap to fix. 1997-2006 ones. 3.8L V6, very strong engine.


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InvisibleTheFakeSunRa
Bitch Splitter
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Registered: 03/01/05
Posts: 16,449
Loc: Dirdy SOUF Flag
Re: How much is your car note? [Re: tyrannicalrex]
    #26448505 - 01/23/20 04:05 PM (4 years, 24 days ago)

Quote:

tyrannicalrex said:
5.9%. Just got a car actually, 2016, less than 18,000 miles, one owner, super clean carfax, regular maintenance.:grin: (my credit score is an "A" buyer though, 820)




What’s your monthly payment?

Also 5.9 still seems kind of meh.


--------------------
[quote]Asante said:
You constantly make posts thatr fling middle school insults at people you don't like mixed in with maladjusted psychopathic comments about wanting to beat up the other poster with a crowbar.

You know how shit you are, you just don't give a fuck for precisely that reason.

I disendorse you.[/quote]


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Invisibletyrannicalrex
Strange R
Male User Gallery


Registered: 04/24/03
Posts: 38,331
Loc: subtropics
Re: How much is your car note? [Re: TheFakeSunRa]
    #26448507 - 01/23/20 04:06 PM (4 years, 24 days ago)

450, with added bumper to bumper warranty already on. Still has factory warranty. Certified pre-owned vehicle.


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InvisibleJokeshopbeard
Humble Student

Registered: 11/30/11
Posts: 26,088
Loc: Deep in the system Flag
Re: How much is your car note? [Re: TheFakeSunRa] * 1
    #26448516 - 01/23/20 04:11 PM (4 years, 24 days ago)

I don't understand why it's so culturally normal to have a 'car payment' over there. Does nobody ever buy a car outright?

Personally, although I'd spend £30k on a motorbike, I never spend more than £1k on a car. That's my cutoff. The last one cost £750 five years ago and is still running strong (just past its test for the 22nd year and went straight through) and the one before that cost £270 and was great for about four years.

I know you aint exactly flush right now Ra, why not just buy a used Honda? I can help you out with the most reliable ones.


--------------------
Let it be seen that you are nothing. And in knowing that you are nothing... there is nothing to lose, there is nothing to gain. What can happen to you? Something can happen to the body, but it will either heal or it won't. What's the big deal? Let life knock you to bits. Let life take you apart. Let life destroy you. It will only destroy what you are not.
--Jac O'keeffe


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Invisibletyrannicalrex
Strange R
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Registered: 04/24/03
Posts: 38,331
Loc: subtropics
Re: How much is your car note? [Re: Jokeshopbeard]
    #26448527 - 01/23/20 04:17 PM (4 years, 24 days ago)

Good advice JSB. I paid off my school loan and a CC, and have never had a newer or nicer car. I'll pay it off early though. School loan and a CC was 500 total, so I just switched it to that car. I haven't had a car payment ever really, I always bought my moms old car, or from a person with cash. Never bought from a car lot before now.


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Invisiblebadchad
Mad Scientist

Registered: 03/02/05
Posts: 13,373
Re: How much is your car note? [Re: Jokeshopbeard]
    #26448528 - 01/23/20 04:17 PM (4 years, 24 days ago)

Quote:

Jokeshopbeard said:
I don't understand why it's so culturally normal to have a 'car payment' over there. Does nobody ever buy a car outright?






I think you were pretty spot on with it being cultural. Outside of major cities, cars are the norm, dare I say a necessity. Given the cost, most people don't buy outright, though some do.

I lease my cars, so I pay like $300/month.


--------------------
...the whole experience is (and is as) a profound piece of knowledge.  It is an indellible experience; it is forever known.  I have known myself in a way I doubt I would have ever occurred except as it did.

Smith, P.  Bull. Menninger Clinic (1959) 23:20-27; p. 27.

...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely.

Osmond, H.  Annals, NY Acad Science (1957) 66:418-434; p.436


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OfflineNorthernerM
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Registered: 07/29/12
Posts: 14,242
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Re: How much is your car note? [Re: badchad]
    #26448560 - 01/23/20 04:36 PM (4 years, 24 days ago)

I need decent vehicles to help everyone else in my life, or I would just drive a banger.  :shrug:

One of my cars has issues and needs replacing. I've done the maths and if I want to keep my repayments to $100 a week I'm gonna have to take a %7 interest rate on a $15k loan. Could get a better rate on a new car, but I'm not about to drop $30k on wheels. Spewing that I even have to spend that, would much rather spend that money on my house.


--------------------
The nearest we ever come to knowing truth is when we are witness to paradox.


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OfflineShroomslip
Architekt
I'm a teapot User Gallery


Registered: 11/25/12
Posts: 23,655
Last seen: 8 hours, 20 minutes
Re: How much is your car note? [Re: TheFakeSunRa] * 1
    #26448562 - 01/23/20 04:38 PM (4 years, 24 days ago)

I had bad credit and got my car financed. 190 every two weeks, plus 48 every two weeks for their insurance coverage (doesn't include liability). My APR is super high though. I plan to get it refinanced once I get my credit up a little bit.

It's a really nice 2010 mustang.


--------------------
With my face against the floor I can’t see who knocked me out of the way.
I don’t want to get back up but I have to so it might as well be today.
Nothing appeals to me no one feels like me, I’m too busy being calm to disappear.
I’m in no shape to be alone contrary to the shit that you might hear.


You can't wake up, this is not a dream. You're part of a machine, you are not a human being
With your face all made up, living on a screen. Low on self esteem, so you run on gasoline


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InvisibleTheFakeSunRa
Bitch Splitter
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Registered: 03/01/05
Posts: 16,449
Loc: Dirdy SOUF Flag
Re: How much is your car note? [Re: Jokeshopbeard]
    #26448600 - 01/23/20 05:00 PM (4 years, 24 days ago)

Quote:

Jokeshopbeard said:
I don't understand why it's so culturally normal to have a 'car payment' over there. Does nobody ever buy a car outright?

Personally, although I'd spend £30k on a motorbike, I never spend more than £1k on a car. That's my cutoff. The last one cost £750 five years ago and is still running strong (just past its test for the 22nd year and went straight through) and the one before that cost £270 and was great for about four years.

I know you aint exactly flush right now Ra, why not just buy a used Honda? I can help you out with the most reliable ones.




I’ve bought two vehicles outright in my life but these days I’ve fallen on tough times financially and can’t seem to save over a grand at any one time.

I just want my wife to be able to get to work and back safely tbh


--------------------
[quote]Asante said:
You constantly make posts thatr fling middle school insults at people you don't like mixed in with maladjusted psychopathic comments about wanting to beat up the other poster with a crowbar.

You know how shit you are, you just don't give a fuck for precisely that reason.

I disendorse you.[/quote]


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InvisibleTheFakeSunRa
Bitch Splitter
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Registered: 03/01/05
Posts: 16,449
Loc: Dirdy SOUF Flag
Re: How much is your car note? [Re: tyrannicalrex]
    #26448614 - 01/23/20 05:06 PM (4 years, 24 days ago)

Quote:

tyrannicalrex said:
450, with added bumper to bumper warranty already on. Still has factory warranty. Certified pre-owned vehicle.




Thanks for the deets

Last question

How many months

450 could be doable $225 apiece with my wife

I like my job (which for me is unbelievable) but I might have to start applying for better salary shit

Not that I’m assuming I can even get one but I hate to even try now that I finally have a job that doesn’t make me want to kill myself.


--------------------
[quote]Asante said:
You constantly make posts thatr fling middle school insults at people you don't like mixed in with maladjusted psychopathic comments about wanting to beat up the other poster with a crowbar.

You know how shit you are, you just don't give a fuck for precisely that reason.

I disendorse you.[/quote]


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InvisibleJokeshopbeard
Humble Student

Registered: 11/30/11
Posts: 26,088
Loc: Deep in the system Flag
Re: How much is your car note? [Re: Northerner]
    #26448640 - 01/23/20 05:21 PM (4 years, 24 days ago)

Quote:

Northerner said:
One of my cars has issues and needs replacing. I've done the maths and if I want to keep my repayments to $100 a week I'm gonna have to take a %7 interest rate on a $15k loan. Could get a better rate on a new car, but I'm not about to drop $30k on wheels. Spewing that I even have to spend that, would much rather spend that money on my house.



TBH, if I needed to get something decent at this point (as I might do at some point in America) I would do what badchad does and lease. Not sure if there's quite the same market for leasing as there is in the states though?


--------------------
Let it be seen that you are nothing. And in knowing that you are nothing... there is nothing to lose, there is nothing to gain. What can happen to you? Something can happen to the body, but it will either heal or it won't. What's the big deal? Let life knock you to bits. Let life take you apart. Let life destroy you. It will only destroy what you are not.
--Jac O'keeffe


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InvisiblePatrickKn
I'm a teapot

Registered: 07/10/11
Posts: 20,584
Re: How much is your car note? [Re: Jokeshopbeard]
    #26448648 - 01/23/20 05:27 PM (4 years, 24 days ago)

Just bought a newer (2017) car a few months ago for 3.9% APR. It's the first car I've ever bought on credit though. Every vehicle I've owned previously has been a cash purchase. If you can save $4-5K up you can get a decent, working vehicle and not worry about payments and can pay a lot less on insurance.


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Invisiblebadchad
Mad Scientist

Registered: 03/02/05
Posts: 13,373
Re: How much is your car note? [Re: Jokeshopbeard] * 1
    #26448659 - 01/23/20 05:30 PM (4 years, 24 days ago)

Leasing isn't the most cost effective option IMO, but I'm well-aware I'm paying for the convenience.  It's a cheap monthly payment, I get a new car with updated features every three years, and frankly, I don't really have to take care of a leased car since I know I'll have it short term and its going back.  Also, its always under warranty, so I know I won't get any unplanned charges.


--------------------
...the whole experience is (and is as) a profound piece of knowledge.  It is an indellible experience; it is forever known.  I have known myself in a way I doubt I would have ever occurred except as it did.

Smith, P.  Bull. Menninger Clinic (1959) 23:20-27; p. 27.

...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely.

Osmond, H.  Annals, NY Acad Science (1957) 66:418-434; p.436


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InvisibleTheFakeSunRa
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Registered: 03/01/05
Posts: 16,449
Loc: Dirdy SOUF Flag
Re: How much is your car note? [Re: badchad]
    #26448703 - 01/23/20 05:48 PM (4 years, 24 days ago)

Quote:

badchad said:
Leasing isn't the most cost effective option IMO, but I'm well-aware I'm paying for the convenience.  It's a cheap monthly payment, I get a new car with updated features every three years, and frankly, I don't really have to take care of a leased car since I know I'll have it short term and its going back.  Also, its always under warranty, so I know I won't get any unplanned charges.




Even though everyone shits on it as a financial move it really does have its selling points

Like you say the predictability for one thing


--------------------
[quote]Asante said:
You constantly make posts thatr fling middle school insults at people you don't like mixed in with maladjusted psychopathic comments about wanting to beat up the other poster with a crowbar.

You know how shit you are, you just don't give a fuck for precisely that reason.

I disendorse you.[/quote]


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Invisiblebadchad
Mad Scientist

Registered: 03/02/05
Posts: 13,373
Re: How much is your car note? [Re: TheFakeSunRa]
    #26448721 - 01/23/20 05:57 PM (4 years, 24 days ago)

Quote:

TheFakeSunRa said:

Even though everyone shits on it as a financial move it really does have its selling points





Yeah. I think its about the same as buying new, you pay a premium for that as well.  Regardless of buying new or used, I think buying only beats leasing if you really drive the car into the ground and have it 8-10+ years.


--------------------
...the whole experience is (and is as) a profound piece of knowledge.  It is an indellible experience; it is forever known.  I have known myself in a way I doubt I would have ever occurred except as it did.

Smith, P.  Bull. Menninger Clinic (1959) 23:20-27; p. 27.

...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely.

Osmond, H.  Annals, NY Acad Science (1957) 66:418-434; p.436


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OfflineNorthernerM
splelling chceker
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Registered: 07/29/12
Posts: 14,242
Loc: FNQ
Last seen: 14 minutes, 36 seconds
Re: How much is your car note? [Re: Jokeshopbeard] * 1
    #26448728 - 01/23/20 05:59 PM (4 years, 24 days ago)

Quote:

Jokeshopbeard said:
Not sure if there's quite the same market for leasing as there is in the states though?



I'm guessing that there'd be many more competitive options over there. The maths didn't add up for me to lease here, even with pre-tax offset benefits.


--------------------
The nearest we ever come to knowing truth is when we are witness to paradox.


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Offlinefeldman114
Stragler


Registered: 09/06/19
Posts: 3,365
Loc: Bravos
Last seen: 3 years, 9 months
Re: How much is your car note? [Re: tyrannicalrex]
    #26448739 - 01/23/20 06:06 PM (4 years, 24 days ago)

Ugh, responsible people be like
Quote:

tyrannicalrex said:
5.9%. Just got a car actually, 2016, less than 18,000 miles, one owner, super clean carfax, regular maintenance.:grin: (my credit score is an "A" buyer though, 820)




I hate living in NYC, but at least I don’t feel like a loser for not having a car lol. Pay $350/month for insurance so I can spend 30+ min looking for parking every morning? No thx


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InvisibleTheFakeSunRa
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Registered: 03/01/05
Posts: 16,449
Loc: Dirdy SOUF Flag
Re: How much is your car note? [Re: badchad]
    #26448742 - 01/23/20 06:07 PM (4 years, 24 days ago)

I bought my current car in 2005 I think


--------------------
[quote]Asante said:
You constantly make posts thatr fling middle school insults at people you don't like mixed in with maladjusted psychopathic comments about wanting to beat up the other poster with a crowbar.

You know how shit you are, you just don't give a fuck for precisely that reason.

I disendorse you.[/quote]


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