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

Then you might as well wait for the 2013 to hit stores before you move on it, or at least wait for official details.

I doubt it will be worth the investment over your 2011 by the thousands extra it will cost you, but it's your money, do with it what you will. I wouldn't do it unless there was a substantial performance bump, and I don't see that coming. And I really, sincerely doubt they'll do anything about brake cooling.

are you currently having issues with your tranny overheating or engine? :confused: ive not had engine oil temp issues on my 2009 without cooler...so i dont plan on having one come out my anus.

I start on price and work down to payment. I have patience. I will sit there 8 hours to get the right payment. Then I pay down and cut my interest in half... Its hard to hustle a hustler. I walk away from anything that won't benefit me. There's a loss in everything we do. The art is keeping thatt loss minimal.

I know the monthly payment isn't the only thing to look at. Finance charge structure is where they eat you. That's the first thing I tackle.

Couldn't have said it better.

:iagree:

:werd:

Of course, the salesman is excited. You are nearing the end of paying Nissan payments, and they want to do is keep you there. The salesman gets his comp and Nissan gets to keep collecting from you. Pay it off and then mod it to keep it new. Then you are not stuck to a payment if things get tight.

"The borrower is slave to the lender.":tiphat:

I'm going FI and I have an auto. If you have a manual? :confused:There is no tranny cooler needed....

Guys do we really have DISSECT the logic of the sale. My payments are structured in 6 years for the lower rates and then I pay down to 3. Its the smartest way to go. I structue it that I make the pyment on my middle of the month check and pay an equal payment 2 weeks later.(principle-only).
They tell you you pay more but get a better rate when you do short-term loans. But if you do the math. The 6 yr is best. Then make double payments. 2.5 is an approx. The second payment is purely to the principle so I'm sure it will pay down in less.

I thought this thread was about the logic of the sale :icon14:

yah, no tranny cooler on the MT. i was referring to the engine oil cooler that i dont really need.

FI and tranny cooler sounds right, but not sure if id be buying a new car for that and a few other minor things. GL with your decision.

uhhh, why are you quoting my post as being werd? care to elaborate?

I don't know bruh... like I said, let's see what happens. My get says yeah. Your gut says no. I just know I been like the great carnac for the Z and gencoupe. Everything that's happening with the gen I said would happen. People said hyundai will need 10 years to be where they are now. They did it in 2. My prediction is Japan is TOO proud to let some Koreans show them up. If you know anything about the japanese? They consider themselves more intelligent and civilized han any other asians. They don't like koreans and they don't respect the gencoupe. Lol.

Look at the G37. In 2 years the price skyrocketed. Materials doubled in quality and the IPL is a smack in hyundais face. Its saying, you can never be this. The quality of the ipl is incredible.

Nissan won't let it happen.

Racism and elitism will make the Z a better car in june.

wooah now... lol! :rofl2:

Lol... read the edit

I'm not generalizing the people as a whole. But there business drive runs deeply on there own personal perception of superiority. I love the japanese and I don't mean this in a away to make them look bad. But the car game is like a boxing match... when a black and a hispanic fight. There's sudden division. Same thing with the car game.

If Nissan didn't budge in 2011 when the Mustang offered that much more performance at the same price point, what makes you think they'll shift to address Hyundai's RWD sporty coupe?

Sounds like you have it all under control. Sorry if I came across as a lecture, I was a little misled by your post.

OP: Own the car you bought on terms. When it is paid off think about another. Lowering the payment just keeps you in debt longer.

The asian car war doesn't include america. AS MUCH AS YOU want it too it doesn't... if it did??? They would be building V8 muscle. The extent of the competition between america and japan is this... we can build a better quality car, a better handling car and a car that can rival your v8's in the quarter mile with less displacement and a smaller engine.

The asians see our mentality towards motorsports as simplistic. In 1969 the Z was designed to copy 1961 ferrari performance on a budget. The american mentality was how can we make a car bigger. Where they glorify complex roadcourse in car engineering. We drag race and go around in circles in stock cars. Its a different philosophy dude.

The only people that see competition is americans at japan. Not the other way around. Asia to Asia is another story. America sometimes puts themselves in the middle of arguments or competitions where the other party doesn't care. If you want a mustang competitor? Buy a camaro.

The Z has to step up on hyundai. Besides. KEY POINT the Z is a V6. When the mustang V6 can outdo a Z. I will get back at you on your statement.

Don't delude YOURSELF.

The United States is currently the largest car market in the world. It is a prime competition area for all of the world's major car manufacturers. Nissan probably makes more money off of cars sold in the US than it does in Japan.

The Japanese makes see American makes as competition. So do the Europeans.

I'm not talking about the complete car market. I'm talking about a Z vs a mustang. You are going all around the board on a specific point.

Does the altima compete with malibu and chrysler 200??? OF COURSE.

Does the mustang compete with the Z???? HELL NO! Neither does the gencoupe to a certain degree, but hyundai has Nissan's name all up in da mouf... feel me? So nissan needs to give hyundai some ack-right. That is the simplest way I can put it. If you still don't get me I don't know how to make it simpler.

Well, speaking English would be a start.

But I understand your point. I simply strongly disagree with it. I don't see Hyundai's GenCoupe improvements driving great change in the 2013 Z, considering that Nissan made no improvements to compete with the Mustang and Camaro, which are its competition. That was my only point. Disagree if you like, but that's it.

My explanation is simpler and involves considerably less jingoism.

It seems ebonics worked better cuz now you understand where I coming from. Lol. . Thanks. The camaro and stang only make financial comp. Not performance. Different philosphies drive the reason for R&D.

But if you want to believe that nissan is on the drawing board trying to win a design that will attract muscle car owners then go right ahead. If that what makes you sleepbetter at night? But last I heard the cayman comp is everything to nissan???? What do I know? Its been real shado... you the man, osalamakom... . :roflpuke2:.

Actually, the best rates are available on shorter loans. Longterm loans are riskier in the banks point of view. 3-5 years would get you a better rate.
4 years in car sales has taught me that, and so has having a finance director for a father lol

Porsche Cayman... also not Asian :roflpuke2:

When I say they are competition, what I mean is this: You have forty grand in your pocket and can buy a sporty car. It has to be rear-wheel drive, get to a quarter mile in less than 14 seconds, possibly have a manual transmission, handle very well in corners, and look pretty for the ladies.

Muscle Cars and Sports Cars are on that list. If you think people are not cross-shopping sports cars with muscle cars... Then you've got problems we don't have time to deal with here. :roflpuke2:

THAT'S CALLED FINANCIAL COMP. Do you read... you are beginning to frustrate me. Yeah I know the cayman isn't asian but the Z WAS BUILT AROUND the cayman performance... NOT MUSTANG. The. Z has no real competitor... the porsche is still out of its league and american cars don't compare... Wow. I'm done

Trading (or selling) a '11 for a '13 is just financially irresponsible on so many levels I cannot begin to describe. It sounds like you are the type of guy who needs the latest and greatest shiny new toy that comes around. Of course the sales guy can get your monthly payments down... he will get you into a brand new 6 (or 7) year loan on the same car you have been driving.. but this time the car will have daytime running lights and ugly wheels.

Take this advice... please. Pay off the car. Start saving up for either the 400z or whatever the hell they are going to call it and when that comes out, pay for it in cash.

That was not just financial.

Drivetrain... RWD
Curb Weight... similar (3300-3800)
0-60... under 5 seconds
1/4 mile... under 14 seconds
grip/road holding... over .9 G on skidpad


Those are performance metrics. The cars compete. That they are in the same price point makes it even more strongly linked. I don't know why, in your mind, the cars can't compete. You can even add Subaru's WRX in the same class. People shopping performance cars cross shop these vehicles.

:shakes head: