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What are your monthly payments?

I paid a 23k down payment for a car in hundreds. It took a while, but they didn't mind

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View Poll Results: How much are your monthly payments
$0 -- I own it! 57 22.18%
$200 to $249 3 1.17%
$250 to $299 6 2.33%
$300 to $349 18 7.00%
$350 to $399 19 7.39%
$400 to $449 34 13.23%
$450 to $499 33 12.84%
$500 to $549 27 10.51%
$550 to $599 17 6.61%
$600+ 43 16.73%
Voters: 257. You may not vote on this poll

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Old 11-15-2013, 04:37 PM   #106 (permalink)
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I paid a 23k down payment for a car in hundreds. It took a while, but they didn't mind
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Old 11-15-2013, 04:43 PM   #107 (permalink)
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I paid a 23k down payment for a car in hundreds. It took a while, but they didn't mind
shoulda used ones
trololol
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Old 11-15-2013, 05:13 PM   #108 (permalink)
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shoulda used ones
trololol
I had to call the bank ahead of time to tell them I wanted that much cash... Cocksuckers asked if I wanted a Casher's Check instead... For $10, I told them that I hate Bank of America, and hope they go bankrupt and said while Chase is SUPPOSED to charge me for one too, they never have. And I told them to keep counting. I carry a gun in TX, I'm not afraid. Lol
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Old 11-15-2013, 06:25 PM   #109 (permalink)
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That's what gap insurance is for.
If mark1010 paid for it.

Its free in leases
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Old 11-15-2013, 06:28 PM   #110 (permalink)
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should this poll be separated into leases and loans?
Won't change for me. $409 now, $436 later with nothing down.
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Old 11-15-2013, 08:25 PM   #111 (permalink)
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If mark1010 paid for it.

Its free in leases
I did not but I'll gamble. or should it be
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Old 11-15-2013, 10:01 PM   #112 (permalink)
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I did not but I'll gamble. or should it be
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Old 11-15-2013, 10:21 PM   #113 (permalink)
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Originally Posted by onzedge View Post
I tried to buy a new car with cash one time -- actual cash, in twenties.

They had a fit when I pulled out all the bills. It was the same reaction I would expect if I had pulled out a rattlesnake or something. They had no idea what to do with it and it took 4 different people to work on the problem.
I came with a cashier's check and the idiots wouldn't release the car until they called "upstairs" to see if they had to wait until the check "cleared" first. Just not used to people paying that way.
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Old 11-16-2013, 12:06 PM   #114 (permalink)
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I came with a cashier's check and the idiots wouldn't release the car until they called "upstairs" to see if they had to wait until the check "cleared" first. Just not used to people paying that way.
What many people don't realize about a cashiers check is they are like any other and can be cancelled and can be forged. When I sell a vehicle privately I take cash or we meet at the bank.


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Old 11-16-2013, 12:33 PM   #115 (permalink)
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I voted 600+ because I'm paying $900 a month for 60 months with a 8.99% APR rate

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are you serious?
Nah, I was just kidding around. Although I did vote the 600+ just to skew the results

I'm actually paying $467 a month for 60 months 0% APR.
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Old 11-16-2013, 12:44 PM   #116 (permalink)
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Financed 38,142, 0 down, 1.9% for 75 Months
Payment - 540.18
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Old 11-16-2013, 01:03 PM   #117 (permalink)
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PenFed is a credit union out of PA. I believe they service the entire US, though. You have to 'join the credit union', which basically means you fill out a form and deposit $5.

At the time I bought my car I got 1.74% APR for 60 Months. I just got an e-mail that they are offering .99% APR. They finance 100%.

https://www.penfed.org/PenFed-Car-Bu...387&adcode=401


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Old 11-16-2013, 01:06 PM   #118 (permalink)
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PenFed is a credit union out of PA. I believe they service the entire US, though. You have to 'join the credit union', which basically means you fill out a form and deposit $5.

At the time I bought my car I got 1.74% APR for 60 Months. I just got an e-mail that they are offering .99% APR. They finance 100%.

https://www.penfed.org/PenFed-Car-Bu...387&adcode=401


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Penfed seems recommended by a lot of people. I don't have any loans with them but used them to bargain against the dealer when I bought my Z. They ended up beating the Penfed 1.74% rate so it was a win!

FYI, the Penfed .99% is only when buying through Enterprise. The current new/used car rate is 1.99%
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Old 11-16-2013, 01:09 PM   #119 (permalink)
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Quote:
Originally Posted by Gadgetech View Post
What many people don't realize about a cashiers check is they are like any other and can be cancelled and can be forged. When I sell a vehicle privately I take cash or we meet at the bank.


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I once sold a car on eBay and had a fake cashier's check sent. You can call the issuing bank and they can identify whether its a legitimate check or not. I don't think that a cashiers check works like a regular check in that you can't just issue a stop payment.

I used AutoNationDirect: AutoNation Direct - Car Buying Program

You fill out a form, they send someone to your house to inspect the car and cut you a check. I got about 95% of blue book value.

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Old 11-16-2013, 01:11 PM   #120 (permalink)
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Originally Posted by b15 View Post
Penfed seems recommended by a lot of people. I don't have any loans with them but used them to bargain against the dealer when I bought my Z. They ended up beating the Penfed 1.74% rate so it was a win!

FYI, the Penfed .99% is only when buying through Enterprise. The current new/used car rate is 1.99%
Interesting.. I saw that you had to use their car buying service. I guess its an agreement they have to filter cars out of service from Enterprise?

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