Advice on obtaining my Z? Please help!! I need vision and comfort.

Khemosabi · 10-15-2012, 09:59 PM

I applied for my first cart loan of 13k on my 2006 Miata when I was 21, I had good credit but the bank would not approve me for a loan simply because I didn't have enough credit history. (or maybe bc I'm a girl... jerks)

Thankfully, my mom agreed to co-sign for me and we got the loan.
I'm 23 now and two weeks ago, I came across a 2010 370Z and having 2 solid years of credit history, the bank approved me by myself for a loan of $20k after my trade-in and additional down payments.

My payments are a tad bit up there ($342 @5.9%apr) but I plan on paying her off early in January with the luck of two insurance settlements and my tax returns.

I don't suggest getting a loan for over 15k... Or even 12k at that... as your first, so save that money!!!
Also, keep insurance in mind! My miata was full coverage at approx. $1300/yr, the Z is $2k/yr. I'm really having to budget to keep this up!!

Maybe there are better paths that I could have gone to get my Z but I hope my experience helps you a little bit or at least gives you a bit of insight on what to expect!

Sent from my Evo using Tapatalk 2

nmjaxx9 · 10-15-2012, 10:06 PM

being young and owning a Z ahh yes, best thing I did was build my credit early so that way I could afford to get a good apr %. Next had to make sure I set aside enough money for the rainy day, repairs etc, and then a down payment. That with a steady job/income and I dont see why you can't own one soon.

Fabio88 · 10-15-2012, 10:12 PM

I'll sell you my Z for $90,000

FabiosDad · 10-23-2012, 07:32 PM

Quote:

Originally Posted by Fabio88

I'll sell you my Z for $90,000

that is helpful

Fabio88 · 10-23-2012, 07:36 PM

Quote:

Originally Posted by FabiosDad

that is helpful

dude thats a very creative name but your not my dad why are you posting on every forum post your making yourself very childish Fpenvy that is your real account.

FabiosDad · 10-23-2012, 07:37 PM

Quote:

Originally Posted by Fabio88

dude thats a very creative name but your not my dad why are you posting on every forum post your making yourself very childish Fpenvy that is your real account.

i'm not fpenvy

10-15-2012, 09:59 PM	#1 (permalink)
Khemosabi Base Member Join Date: Sep 2012 Location: Delray Beach, FL, USA Age: 37 Posts: 5 Drives: '10 Nissan 370Z Rep Power: 14	I applied for my first cart loan of 13k on my 2006 Miata when I was 21, I had good credit but the bank would not approve me for a loan simply because I didn't have enough credit history. (or maybe bc I'm a girl... jerks) Thankfully, my mom agreed to co-sign for me and we got the loan. I'm 23 now and two weeks ago, I came across a 2010 370Z and having 2 solid years of credit history, the bank approved me by myself for a loan of $20k after my trade-in and additional down payments. My payments are a tad bit up there ($342 @5.9%apr) but I plan on paying her off early in January with the luck of two insurance settlements and my tax returns. I don't suggest getting a loan for over 15k... Or even 12k at that... as your first, so save that money!!! Also, keep insurance in mind! My miata was full coverage at approx. $1300/yr, the Z is $2k/yr. I'm really having to budget to keep this up!! Maybe there are better paths that I could have gone to get my Z but I hope my experience helps you a little bit or at least gives you a bit of insight on what to expect! Sent from my Evo using Tapatalk 2 __________________ -Karen

10-15-2012, 10:12 PM	#3 (permalink)
Fabio88 Banned Join Date: Jun 2012 Location: sdasda Posts: 235 Drives: asdfasdf Rep Power: 0	I'll sell you my Z for $90,000 EndyKwon likes this.

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
What Police Vision Looks Like	SailFree	The Lounge (Off Topic)	8	06-01-2012 06:13 AM
Foward vision obscured by mirriors. Clarifying previous thread	sheps58	Exterior & Interior	16	08-23-2011 03:18 PM
Vendors: Philips Crystal Vision 5000K?	DIGItonium	Body Interior/Exterior	0	03-30-2011 08:14 AM
370 vs. 350 seat comfort	smashbar	Nissan 370Z General Discussions	19	07-25-2010 06:59 PM
370z comfort?	kj0001	Nissan 370Z General Discussions	38	04-24-2010 07:53 PM

10-15-2012, 10:06 PM	#2 (permalink)
nmjaxx9 A True Z Fanatic Join Date: Jul 2011 Location: Middletown, Ct Posts: 5,853 Drives: 2011 Nissan 370z Rep Power: 28	being young and owning a Z ahh yes, best thing I did was build my credit early so that way I could afford to get a good apr %. Next had to make sure I set aside enough money for the rainy day, repairs etc, and then a down payment. That with a steady job/income and I dont see why you can't own one soon.