0% coming back anytime soon?

darkphantom · 04-24-2015, 02:11 PM

I called a few dealers but some of them said no to it applying to the 370z's - ???

Anyways, just did the math and it won't make much sense to me:

Car price is say $30,000
$5000 (down payment):
Over 60 Months: ~$84/month
Over 72 Months:~$70/month

Example A)
No Money down
0% APR @ 60 Months = $500/month
Interest: $0.00
total price of car: $30,000.00

Example B)
say I put down $5,000 down
$25k @ 2.5% APR @ 72 Months = $374/month
Interest:$1947
Total purchase price:$31,947.00

Example C)
0 Down
$30k @ 2.5 % APR @ 72 Months = $450/month
Interest:$2,337
Total Purchase Price: $32,337.00

If we look at these comparisons, the long run I would obviously be paying more money, but let's be honest here. I will NOT be able to get a Sport Tech 2015 Coupe for $30k drive out. I would be closer to $32k.

-----------------------

That aside, this is what I am thinking, find a 2013/2014 with low miles and find it around $27k drive out:

$27,000 Drive out
$5k down
$22k financed @ 2.5% APR @ 72 Months = $329/month
Interest: $1714
Total Price paid: $28714

Taking all this into consideration, I will probably end up paying the car off much sooner, so I will get less interest charges.

I think I confused myself with all that up there but whatever, good to think it out.

AngelNismo · 04-27-2015, 01:23 PM

Quote:

Originally Posted by darkphantom

I called a few dealers but some of them said no to it applying to the 370z's - ???

Anyways, just did the math and it won't make much sense to me:

Car price is say $30,000
$5000 (down payment):
Over 60 Months: ~$84/month
Over 72 Months:~$70/month

Example A)
No Money down
0% APR @ 60 Months = $500/month
Interest: $0.00
total price of car: $30,000.00

Example B)
say I put down $5,000 down
$25k @ 2.5% APR @ 72 Months = $374/month
Interest:$1947
Total purchase price:$31,947.00

Example C)
0 Down
$30k @ 2.5 % APR @ 72 Months = $450/month
Interest:$2,337
Total Purchase Price: $32,337.00

If we look at these comparisons, the long run I would obviously be paying more money, but let's be honest here. I will NOT be able to get a Sport Tech 2015 Coupe for $30k drive out. I would be closer to $32k.

-----------------------

That aside, this is what I am thinking, find a 2013/2014 with low miles and find it around $27k drive out:

$27,000 Drive out
$5k down
$22k financed @ 2.5% APR @ 72 Months = $329/month
Interest: $1714
Total Price paid: $28714

Taking all this into consideration, I will probably end up paying the car off much sooner, so I will get less interest charges.

I think I confused myself with all that up there but whatever, good to think it out.

You might want to also add a few thousands for taxes and fees, that gets factored into the financing as well.

peleincubus · 04-30-2015, 01:35 AM

Quote:

Originally Posted by darkphantom

I called a few dealers but some of them said no to it applying to the 370z's - ???

Anyways, just did the math and it won't make much sense to me:

Car price is say $30,000
$5000 (down payment):
Over 60 Months: ~$84/month
Over 72 Months:~$70/month

Example A)
No Money down
0% APR @ 60 Months = $500/month
Interest: $0.00
total price of car: $30,000.00

Example B)
say I put down $5,000 down
$25k @ 2.5% APR @ 72 Months = $374/month
Interest:$1947
Total purchase price:$31,947.00

Example C)
0 Down
$30k @ 2.5 % APR @ 72 Months = $450/month
Interest:$2,337
Total Purchase Price: $32,337.00

If we look at these comparisons, the long run I would obviously be paying more money, but let's be honest here. I will NOT be able to get a Sport Tech 2015 Coupe for $30k drive out. I would be closer to $32k.

-----------------------

That aside, this is what I am thinking, find a 2013/2014 with low miles and find it around $27k drive out:

$27,000 Drive out
$5k down
$22k financed @ 2.5% APR @ 72 Months = $329/month
Interest: $1714
Total Price paid: $28714

Taking all this into consideration, I will probably end up paying the car off much sooner, so I will get less interest charges.

I think I confused myself with all that up there but whatever, good to think it out.

if you sell your car in say 4 years. the new car will be worth more also being 1-2 years newer and 10000-25000 less miles on it.

ive seen quite a few Z's in austin lately. welcome to the club : )

s5690 · 04-30-2015, 01:13 PM

i just got mine at 0% 60m, 0 down. i heard it's regional/state thing, so depends on where you reg the car, you could get the deal. if i could've found a used with the options i wanted, i would've gotten a used one but there was just none left. i heard 2015/16 don't offer touring with sport anymore so it was pretty hard to find a new old stock...
good luck

04-24-2015, 02:11 PM	#1 (permalink)
darkphantom Enthusiast Member Join Date: Apr 2015 Location: Houston, Texas Posts: 425 Drives: 13 Z34 PW M6 Rep Power: 244	I called a few dealers but some of them said no to it applying to the 370z's - ??? Anyways, just did the math and it won't make much sense to me: Car price is say $30,000 $5000 (down payment): Over 60 Months: ~$84/month Over 72 Months:~$70/month Example A) No Money down 0% APR @ 60 Months = $500/month Interest: $0.00 total price of car: $30,000.00 Example B) say I put down $5,000 down $25k @ 2.5% APR @ 72 Months = $374/month Interest:$1947 Total purchase price:$31,947.00 Example C) 0 Down $30k @ 2.5 % APR @ 72 Months = $450/month Interest:$2,337 Total Purchase Price: $32,337.00 If we look at these comparisons, the long run I would obviously be paying more money, but let's be honest here. I will NOT be able to get a Sport Tech 2015 Coupe for $30k drive out. I would be closer to $32k. ----------------------- That aside, this is what I am thinking, find a 2013/2014 with low miles and find it around $27k drive out: $27,000 Drive out $5k down $22k financed @ 2.5% APR @ 72 Months = $329/month Interest: $1714 Total Price paid: $28714 Taking all this into consideration, I will probably end up paying the car off much sooner, so I will get less interest charges. I think I confused myself with all that up there but whatever, good to think it out. Last edited by darkphantom; 04-24-2015 at 02:23 PM.

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04-30-2015, 01:13 PM	#4 (permalink)
s5690 Base Member Join Date: Dec 2014 Location: nynjva Posts: 3 Drives: 14tour/sportM;cls550 Rep Power: 11	i just got mine at 0% 60m, 0 down. i heard it's regional/state thing, so depends on where you reg the car, you could get the deal. if i could've found a used with the options i wanted, i would've gotten a used one but there was just none left. i heard 2015/16 don't offer touring with sport anymore so it was pretty hard to find a new old stock... good luck