Nissan 370Z Forum - What are your monthly payments?

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I got $450 a month with 6 years at 2.54% interest.
Car paid at $37500 ( with tax and shipping and documentation fees)
Down payment of $8000

Quote:

Originally Posted by 122554 (Post 2573725)

Don't know if they charged or not, nothing ever said to me. When I sat down to make the dealer I was asked how I would be paying. Handed them the card, they ran it, bank called me, DEAL DONE! Charge came through at the agreed price.

But I'm sure they up sold the car. The fee is there no matter what! No business in the universe would sell something and lose money. If you paid by CC and the fee was say $1000, then you paid $1000 more than what you could have paid. It may not be so black and white because a dealer will make money on hold back, kick backs, inventory volume, incentives to push a car, rebates etc etc you'll never see or know about. Unless your dad or something owns the dealership and pulls out all stops we'll never no a true price. And then it's still different for dealers with different volumes.

Quote:

Originally Posted by Mark1010 (Post 2572525)

Not that I doubt you but my friend tried to buy his 13 Elantra and was told no. Did you have to speak to Visa beforehand or anything?

Quote:

Originally Posted by synolimit (Post 2572577)

My old job would charge 3% on anything over $2000 since all credit card charges come with a 3% fee to the dealer. Any points you'd get would be pointless if paying $750-1350 extra on a car.

Quote:

Originally Posted by Ghostvette (Post 2573450)

Don't all credit cards charge a fee? Or did I miss something along the way? :ugh2:

Quote:

Originally Posted by b15 (Post 2573665)

Yes, but it's dependent on the business if they pass it along. I charged $10,000 last year for a payment on the venue for my wedding because I wanted the reward points. No charges.

Quote:

Originally Posted by theDreamer (Post 2573716)

Yes they do, but many places that do not typically accept CC or see little to no CC transactions will usually remove the cost and then charge the customer per transaction.
My university does this, tuition is X price but if you pay by CC they add an additional 3% to cover any CC fees.

Quote:

Originally Posted by synolimit (Post 2574236)

Nope, you be wrong! Negotiated the price over the phone. Told them it was a cash deal. Gave them the CC. Got the car for the price.

But in retrospect, she was cute. Perhaps she swallowed it!

I'll share my deal with you all.

I traded my 03 G35 w/140k in at Nissan. They gave me 5k for it, I owed 8k, I put 5k down and 3k obviously went to pay off the rest. The other 2k went toward my downpayment on the Z.

$380 month /72 months
$24k financed at 4.9%

I plan to pay it off in 3 years. Making payments in large chunks. 3-5k when I can.

Bought my 09 for 23.5 plus TTL.
Put down 3k cash.
Payments at 419 for 5 years. at 3.3% interest or very close! I have paid extra on it here and there but were more worried about extra on our home first!

Negotiated price was $40,400 on a MSRP of $44something
0% for 60 months
Payment is $673
$0 Down (I did pay TT&L separately)

Monthly = $372 (72 months)
APR = 3.5%
Total = $24k
Money Down = $4k (trade in of Nissan Versa with a year to go on note)
Location = Central Florida

Again, my info skews the run because I bought my Z used, as opposed to a lot of people who drive it new off the lot. I generally prefer to buy used, that way I'm not really missing out on much, and I avoid the initial value hit that all cars have going off the lot.

And yeah, 72 months is a long time, but it lets me have the nice low payment (which, by the way, is only $12 more a month then my initial payments for the Versa). But, like a lot of people on here, I throw extra money at it every month to help beat down the principle.

Paid 26K + TTL for my 11' Sport

Paid a little too much, but I had a trade-in + I paid off the remaining.

I took out a 60 month loan with a $350 a month payment. Got tired of making the payment and just payed my loan off after 2 years.

2013 Touring AT (<10 miles):

Price: $32,000

$0 Down, 0% interest.

$589/month.

Gotta love great credit!

2013 Nismo (fully loaded)

Price: $44k
Down: $3k
Interest: 7% :icon14:
Monthly: $850 :wtf2:

I could have negotiated a better price but f*ck it, I was excited to get the car. I bought the car knowing that I was getting a bonus from work this winter so the extra interest was worth getting it a season early. Now I am going to refinance and put $10k down on it.

Own it. Purchased at Bruce Bennett, CT

Sorry guys but this thread just re-instates my assumptions on 'muuricans.
3k down on a 45k car? I could not sleep at night if I did that. Maybe it's the way I was raised by my parents but I don't buy something unless I can buy it outright (exception of a house of course). I would much rather wait a year or two and save up the money. I guess there is a benefit of living in the moment and pretending to "have" money. Impresses the neighbours, girls, etc. Sure you can tell me I could die tomorrow and never get to experience these things but I personally can't justify it.

I shake my head when I see a for sale thread with a car with 10k in mods and the seller states he has a loan on the car...

Monthly Payment: $429 (3.2% APR, 60mo.)706 Credit score
Money Down: $5000
Price Paid: $32500 (Nismo)
Location: PA

Quote:

Originally Posted by diz330 (Post 2642732)

I guess it is a cultural thing. If you own a car with payments for 5 years and owe $10,000 on it and it is worth $8,000 you can sell it to a dealer who will usually sell you a new car and put the extra $2000 on TOP of the loan, so you end up with a $42,000 loan on a $40k car.