YES. Get a Z.
But not that one with those interests.

Good Luck OP.
I am subd so i know when you ask that girl out haha

Lol....

Good luck with the car purchase OP

OP, as many people have said, get a pre-approval at your bank so you can shove the high APR back in their face after you agree on a car value (although they might say it's only this price if you finance through them). Even then, I think you can just get your bank to pay off your loan (though it might affect your credit if you refinance too quickly(???)).

In my case when I bought mine, they gave me two options...
Low APR, but need to pay for a 3rd party warranty, or
High APR (like 5%) w/o warranty.

Pick low APR with warranty...cancel warranty within 60 days (no penalty/cancellation fee). Also pisses them off because then they'll have to pay back the commission they "earned" from selling an extended warranty. Just for reference in case you run into this tactic in the future.

Stealership man the stories. Got my brand new 2014 Sports Auto for 29.8k @ 1.5%. Man first time looking around I was scared. Don't know why. But after buying the Z, I now feel like I could take a relative back and act cocky and douchey to the *** manager.

There are many dealership tips on here but the couple best ones I believe are simple:
1. Don't buy first visit & BE PREPARED TO WALK OUT. (These mother#*&@#^ act like saints when you first walk in and when you don't buy, they cuss you out ect. Be prepared to walk)

2. Be firm. Talk final numbers, not payments.


I went shopping around locally first. I wanted a base for 29,000. I thought this was fair because on their website it says "Starting at $29,000." Wtf. Apparently not. This premier nissan dealership laughed at me saying that price is ridiculous and where the hell did I even get that idea and pushed me to buy one of their 2013 touring for 34k.

They stuck at 29,500 and wouldn't budge. I have a very big ego and after being laughed at i'm not budging. Whatever, they lost their sale to me. My parents found a $29000 base in Kansas (Parents live away from me). Had to order Black. The day the car came, they done goofed and ordered a sports.

Dealership had two choice. Give car at a loss or pay for shipping and bring it back to the factory or what not. I couldn't tell if this was legit or it was the bait and switch. My mom who is a kind heart person felt bad and decided to give him another $800. Ended up paying 29800 for the car.

Employed guys with good credit in beaters is hot to me. Means he is probably more sensible than I am with his money and has more to spend on me and my car parts. If it goes the way you want it to you may be trading the Z in for a mini van in a few years anyway daddy!!!

Can't beat a lady's perspective.

1. when it comes to credit, there's alot more variables to it than just the score by itself (i.e. longevity, history,etc.).
2. you state you have a steady job, which is good, but the fact that you recently changed doesn't exactly help you, as banks wants to see that you've been at a job for a certain period of time.
3. you state that you are a first time buyer? how old are you? and typically, first time buyers don't get favorable interest rates, and you will most likely need a decent down payment.
4. 22k for a 2010 Z. elaborate on model/trim (i.e. base or sports package, mt or at, etc.), as 66k for a 2010 is under miles if going by the industry standard of 15k/year. if they wanted 22k for a nismo model, i would say that is reasonable.
5. dealerships LIE. they are there to make money, not to help you save money.
6. if you need a car to impress a girl, rather than you getting the girl on your own, then there's something wrong with you, and the girl.

f*ck that

Just curious, what's your age?

If you are a first time buyer and have never financed a car before...and have limited trade lines...you can be in line for a higher rate as you are a risk to the lender. There are first time buyer programs thru manufactures lenders such as Ford Motor Credit , Volkswagen Credit , Nissan Motor Acceptance , Honda Finance ...ect ect. normally you have to buy a new car...recently got a degree and have a job lined up in the field you studied...you can have NO derogatory credit and have a small downpayment...of 5-8%.

If 10% is the very best you can get, even trying on your own..bite the bullet for 8-10 months and refinance after you have established a history....or get a co-signer with excellent credit.

a big DP can also drive the rate down if you finance below trade value....which puts the bank in an equity position.

Remember...they own the car...you just get to drive it and send money every month.

If you got to drop 22K+ to get a woman...KY Jelly is cheaper..lol

Anything over 3.5% is ridiculous these days. Talk to them or walk away.

oh...dont be embarrassed on what you drive...it sounds like your of the younger generation.
I've seen very attractive women walking with a significant other many times...he has no car apparently and somehow pulled off getting her attention.

I don't need to know how much you make an hour...but if your whole check is going toward car payments and insurance...and your always stuck at home and can't go out because you have no $$$...you won't keep this girl long anyway.
Buy a Nissan Sentra...if she likes you, she'll get in !

Sorry but not true...rates are climbing again. most banks are beacon driven as well.

To get the best of best rates...740 and higher.
690 and below can yield a 4-5% and higher
650 and below ...you better start praying

Like others have mentioned, you should get a pre-approved loan from credit union so you can go into negotiations w/ some ammo. Dealerships tack on their percentage as well to your interest.

Be patient; there are thousands dealerships and Z's that are willing to gain your business. You will find one for the right price. Don't sound too desperate when you go to negotiations, be ready to say "no" and put the ball back in their court. If they mention that you can't purchase a Z for this price anywhere near your location -- tell them you're not against purchasing out of state. Typically, when you make your 1st offer, they will respond w/, "we can't go that low". Don't budge from your 1st offer, get them to come down, this will give you an advantage. Be ready to say "no" and walk away.

edit: also, 10% and 22K is too much.

you will pay a higher interest rate on a used car than a new car.

For example my dad got a new is350 and is paying in his 4 year finance the same amount i'm paying in 1 (YES ONE) year of interest. and his car was more expensive MSRP.

That said, 10% is way too much. I'd try to artificially boost your credit score. IE: if you pay 500 bucks a month on your CC / loans, do it twice a month 250/pop. It will inflate it a bit but not much. Maybe enough to make the difference.

Worst of all though, don't over extend yourself. And if you plan on overextending for your car I would seriously look at cutting back on other aspects of your lifestyle to not go into an endless spiral of debt.