My credit sucks due to going to the ER one time without medical insurance and not paying the bill, getting a Target credit card and owing only $10 and not paying it back, overdrafting on a bank account and not paying it back, selling a car to a guy and not going to the DMV in enough time before he gets the car towed and I get charged tow company fees.

Since you know what you should do, why are you unwilling to do it? Good credit will help you a lot more in life than having a used sports car one year earlier.

Your credit sucks because you are a risk to the company giving you money. You've got a history of not paying your debts.

Because you only live once. And I hate waiting for something I want. Another year of my life having to drive around a POS car and not feeling happy/excited. I know it sounds stupid.

Because it is stupid. It is stupid and will have negative effects for years down the line. That stupid YOLO bs is no justification for doing the exact opposite of what you know you should do. It's one year.

Yeah, ill just keep asking my dad if he gets any decent trade-ins that arent lemons and I can buy for around $4000 and just fix my credit and save. Its the best option.

Until then ill just continue to ride my bike, carpool with co-workers and use Uber for rides. I thought Uber was cheap, its $13 for a 5 mile car ride home.

That's the right call. In a year, maybe we have a new Z and the values on the Z34s will drop. You could get a newer car for the same money down and payments, but on a shorter term with a lower APR.

Yeah a car is just a car after all. It gets you from A to B.

But having a sweet car like the 370z WILL make me happier and enjoy life more than owning a 1995 honda civic with 100k miles on it. Sounds materialistic and superficial but nice cars make life better.

And if you play your cards right now, you can be in a position to buy nice cars in the future without getting bent over on interest and terms. You must be fairly young to be considering a year as a long time to go without. Suck it up, fix your credit and you'll be in a good position to buy cool toys for the rest of your life.

Well im 25. I dont feel "young" I feel like im getting old actually lol.

Ive never had a "nice" car in my life. The nicest car ive ever had was the 03 350z which is kinda sad. Before that was a 02 honda civic, before that was a POS 1999 VW jetta, before that was a 1996 civic hatchback.

25 is still young, yet old enough to make financial mistakes that will haunt you for decades. Do the right thing now. Buy something cash and drive it for a year. Same time next year your credit will be in a better place and if you bank the car payment you would have been making on the Z, you'll have a lot more to put down. You'll be in a better place for sure. One year. 12 months. 26 paychecks. It's a small price to pay to set yourself up to be in a better position.


Or not. You're free to make whatever mistakes you feel like.

The right choice is the one to make, its obvious. I am not going to do this the wrong way. Your right. A year is just a year, it will fly by.

Besides, im still waiting on this crap with the lawyer to get resolved. I could possibly get a decent sized compensation for this guy who ruined my life, ill wait it out and see what happens with that. Should be about another month until I know whats going on.

That alone is worth holding out for before you make any financial decisions. If you really get bogged down on the legal side, it may take far longer than your lawyer tells you. Hell, it may take a year for anything involving a court to shake out.

Hell, it may help your case to be driving some POS for a year. "Your Honor, I had a sweet 350z. Due to the actions of the defendant, I'm stuck driving a 100k mile mid-90s econobox". :rofl2:

Damn, good thing you're ok!

Good story to tell at a bar though. As far as purchasing a Z just be patient. Do a lot of searching and find the best deal for you. Last thing you want to is to get into something that's going to screw you over.

My APR was around 2.8 if I recall... 8 is high, the fact that they contacted you back means they want the sale... Try and talk them down to 4% or look elsewhere.

No way ill get under 8% my credit score is under 600. Currently at a 540 I think.

I would really work on building that credit because it will really help you down the line when you plan to buy a house, need a loan, emergency funds, etc. You might think you need it now and that would definitely solve that feeling of instant gratification. The average person is suffocating in debt and what seems cool now will just piss you off later in life.

For example, I was loads in debt due to poor choices and not maturely saving my money while I was in the military for 6 years. My credit score was very good though because I was never delinquent on a payment. It got worse when I decided to use my GI Bill and still not have enough income coming in. I got tired of it and decided to go back to Afghanistan as a contractor and I am now a year and a half in. I could have blown all my money so far and got a 2014 GTR Black Edition that would have made me the happiest dude in the world, but instead I got a 2014 370z with a good MSRP reduction. I was able to pay in cash for it and now I have the opportunity to get my Master's Degree when my GI Bill runs out and I don't have to worry about being in debt. Patience is all you really need because something better is going to come your way and you will end up being happier for it. Instant gratification will be your downfall. Just my 2 cents and some extra 2 cents...:P

Crazy story on the accident though and good to see you are fine after that...holy crap really. Conceal carry is your friend.

For having bad credit, 8% isn't all that bad. Being prior military, I've seen a bunch of young guys get raped at the dealership. We had this kid in my platoon that went by himself to buy a used Mustang. Dealership got him a loan for 21%, lmao! I think that was the legal limit that a bank can charge. To top it off, we asked if he at least got a V8, but he wasn't sure so we popped the hood and it was a V6.

I've seen people get raped bad around military installations with the APR rates. Never buy a car near a military post. We had this dumb kid in my platoon buy a BMW 7 series with no real way to afford the finance costs. We couldn't believe it and then he wrecked it a month later. I spent all my money in the military on vacations, booze, and women. The vacations I would never take back, but the others...oh if I could turn back time...

MJB I see you are in Tacoma. I was stationed at Ft. Lewis (JBLM now) with 3rd brigade, 2nd infantry.

Whats up brother. I was also 3/2, was with 5/20 INF.

Wow small world...right down the road a couple hundred feet. 1-14 CAV. What years were you there? I was there from '06-11.

Dude forget the z34, concentrate on one thing.. the Bitche$, plus they don't come with 8% apr :rofl2:

Well a 40th edition 370z would pull more "bitches" than a POS honda civic lol.

and good game can beat any car. you know there are also those that think you are trying to compensate for something... :ughdance:

one way to look at your current apr is that you will be paying 25% of the car's value in interest to be paying.

UPDATE:

My co worker has a 1997 Honda Accord with about 170k miles on it, hes selling it for $3,000 I think im going to have to buy it. For $3,000 my options are very slim.

It will give me time to save up and fix my credit and still get to/from work and around town.

lowball the tits outve him 2k.. CASH

1997 170k sounds like a problem.....

half the forum was still unborn in 1997..

For $3,000 I dont have many beater cars options.

I found a 2006 mini cooper S with 34k miles for sale for $8,900.

Are they nice cars?

no.

Seriously though, get over your ego and buy a used 06-12' civic SI (but really get a corolla it's cheaper), fix your credit score, save some doe and work your game without a fancy car.

Who knows.. maybe by next year they will announce the z35 and the 34's will go down in value a bit. Is that not a double win for you? You have a cheaper Z, lower finance rate. Plus that game you honed with the fancy car to boot.

Or you know... join the debt servitude circle just so you can have your minute of fame in front of your 'friends'

A 06-12 civic SI is like 10-13k.... not exactly a "beater" hondas hold their value well. A civic made after 06 (non SI) is still close to 10k.

If im gonna get a beater my budget is $4,000. I need to save as much $ as I can for a year.

used yaris/micra/mazda 2?

I bought a 93 Ford probe for 800 bucks. Few dings and scratches,but she lasted me 2 years with just putting in a cv axel shaft. Thing ran like a champ! What ever you buy,just make sure a mechanic checks it out first. :tup:

dude, miata is my choice hands down, im buying one as a daily asap, plus its cheaper then a std infested hooker

it's uglier than one too...

If im gonna get a beater I wanna "blend in" I dont want people to think I think I have a cool car. Miatas kinda stick out like "hey look at me in my sporty car" so Ill have to avoid riced out civics as well.

get a bicycle, because you don't know what the hell you want... go to auto trader and put in the maximum you wish to spend. check the box where it says manual and click search.