so i got a call from my dealer today.
 

A salesguy called me eager to lower my Z car payment and get me in an updated 2012. I told him not interested. There aren't enough updates in the 2012 to warrant the update. So we began talking about the 2013. I told him, if he could lower my payment with the 2013 then he's saying something. I have 2.5 yrs left on my loan.

He seemed pretty eager to want the business and he kept me on file for 2013 Z. He said he will try to get me to be the first to be in one... let's see guys? I'm pretty happy with mine but if the 2013 pans out to be a more responsive and higher quality vehicle. I may jump??? If there is a last minute power boost???I will jump.

Don't you just end up spending more money by jumping to a newer MY even though you are "lowering" your payment. Bad way to think about it, IMO. Total cost is important, not monthly payment.

Plus term of the loan is important. If you go from paying 300 bucks a month (made up figure) for 2.5 years, then owning it outright, it's a better situation than paying 275 a month for the next 6 years for roughly the same car. I'm betting the added cost will be more expensive than aftermarket parts to perform the same power bump.

hey on the other thread you mentioned you paid for your Z and your wife's altima cash. :werd:

:icon14:

:iagree:

I believe I saw a comment of that nature....search time.

:iagree:

:owned:

Ooo, it's there.

Nonono... my wifes altima is cash so I took my Z in payments. I couldn't afford to do both. And before that I had bought my G in cash.

If you recall. I sold my G cuz I had medical bills. Then I traded my altima for a Z. I had an accident with that Z and had payments with the Z. Then I bought the Z and the altima. The altima I paid cash and put no money down.except for Gap and taxes. When the first bill came in I made a lump sum payment and restructured payment method to keep interest down.

Now I have a paid altima and making pauyments on the Z.

Verified.

Bad idea in my opinion. Salesmen love people who are only interested in a monthly payment and not the overall cost of what they want to do. You'll find yourself in a situation where you owe a lot more than the new car will ever be worth. When that next new, hot car comes out that you lust over you'll find the only way you can get it is to have the dealer pay your loan, deduct what the car is worth and add the remainder into a new loan and you'll sink further into debt and pay several thousand dollars more than the car is worth. If the car is ever repossessed for some reason they will sell it cheap and you'll wind up paying the remainder. Double up on your car payments if you can and pay it off to save a few bucks on interest.

oh ok.. :tup: (not that it really matters...just thought that was kinda werd).

:iagree: unless you REALLY want the 2013's new facia, wheels, suspension, etc it would be smarter to keep your current one. you'll end up paying a lot.

Yeah... but the next Z is supposedly going to have a tranny cooler on the auto, oil cooler, more efficient intakes and have a lot of prep that will cost me the difference anyway. It comes out your azz one way or another. And honestly I rather have my coolers covered than me install one and get voided if something goes wrong. That leavess me a couple extra grand toward my turbo. I have a feeling we don't know everything. And this new Z will just be a better tuner car than ours right now. I'm really praying for better brake cooling.

I know I'm going off prediction? But I haven't been wrong with anything nissan has done in the past. I predicted the 12 cooler and mild enhancements. But went against my own judgement and bought the 11. My prediction is the next Z will be worth the investment. I bet the exhaust note will even probably get better. Lol