Picking up my Z thursday...

Jeffblue · 05-04-2010, 04:48 PM

Hey, so my Z came in a month early and i am about to pick it up on thursday. I just have to work out financing and the extras. If any of you financed through nissan motor corp, what rate did you get. they are trying to sell me 6.44% at 72 months. i am not really concerned with the loan period because i will be paying it off after a year no matter what. I think that rate is a little high.

Now for the extras (email from the finance manager)

Alarm $395
Remote Start $495
Lojack $699
Lojack Early Warning(via text or email) $1195
Great Neck Platinum Card (includes 2 years free oil changes, 5 years roadside assistance
and 5 years Tire and Rim Protection) $799

Extended Warranties:
60months/100,000 miles $2108.00
72months/100,000 miles $2373.00
84 months/100,000 miles $2539.00

Right now i am thinking i should get none of these. I'd get the wheel coverage but i'm selling my wheels right away so thats irrelavent, and i have AAA so i dont need roadside assistance (and i can change my own tire ).

anyone have any advice for what i should go for from this list, or should i just not get anything?

Thanks

theDreamer · 05-04-2010, 04:50 PM

I would do your own oil changes, so that throws that option out.
No need for remote start, the car has a pretty good alarm system already, lojack is not worth it. By the time they find it, what they wanted out of the car will be gone.

I did not finance through Nissan so I cannot help you there.

Jeffblue · 05-04-2010, 04:55 PM

thanks dreamer,

I wish they'd throw in infinite TPMS resets. that would be awesome. i want to try and get that thrown into the deal.

Trips · 05-04-2010, 04:55 PM

Quote:

Originally Posted by theDreamer

I would do your own oil changes, so that throws that option out.
No need for remote start, the car has a pretty good alarm system already, lojack is not worth it. By the time they find it, what they wanted out of the car will be gone.

I did not finance through Nissan so I cannot help you there.

I agree! some of the extras are just that Extras!!

shadoquad · 05-04-2010, 05:24 PM

I just bought mine recently and flat denied all the dealer extras. I came there to purchase a car, and that's all that I did, on my terms, for my price... Hell, they even got me a better interest rate than I'd anticipated.

The extras are all things that I've already got from insurance or can handle myself. Because my Z is a pleasure car, I can sit it for months at a time if I need to save up to get serious work done.

Jeffblue · 05-04-2010, 05:37 PM

Quote:

Originally Posted by shadoquad

I just bought mine recently and flat denied all the dealer extras. I came there to purchase a car, and that's all that I did, on my terms, for my price... Hell, they even got me a better interest rate than I'd anticipated.

The extras are all things that I've already got from insurance or can handle myself. Because my Z is a pleasure car, I can sit it for months at a time if I need to save up to get serious work done.

Yea thats what i was thinking. I have comprehensive coverage from my insurance so a lot of that warranty stuff would be covered anyway, no?

what rate did you get?

shadoquad · 05-04-2010, 06:00 PM

My bank's best possible rate was beaten by another bank by .35%. Don't sound like much, but I wasn't sure I'd get even my bank's best.

steveg78 · 05-04-2010, 06:01 PM

ditto on what shadoquad said. I'm in the same boat. I got 3.69%/72mo. Beat my PenFed 3.99%. Denied all the extras. Second vehicle for me too. The 6.44% rate is a little on the high side but if your credit score is in the mid-high 700s you should be able to get a better rate than that. Even Pendfed 3.99%.

Jeffblue · 05-04-2010, 06:18 PM

yea i have a 740+ credit score. i think its kinda bs rate. plus i have just paid off my altima through them after 2 years.

so is the consensus no extras? no concerns from anyone about the warranty?

fullmonty · 05-04-2010, 06:22 PM

Hope it goes well for you!

steveg78 · 05-04-2010, 06:52 PM

Yeah def apply for the PenFed loan. Even though you are picking it up Thurs you can supply them the VIN and the loan amount and they will overnight the check. You should get 3.99%... I just checked Penfed and they aren't offering 3.99 for 72mo anymore, you have these options:

60mo 3.99
72mo 4.75

Still better than your rate and then you can see if the dealer can beat that rate. Mine did but they financed it through BofA not NMC. Good luck

mirinda164 · 05-04-2010, 08:45 PM

I agree with your idea!\

alvinmathew88 · 05-04-2010, 10:59 PM

i just ran a quick check for you.. its showing 3.09% from Bank of America for under 60 months!

Jeffblue · 05-05-2010, 06:17 AM

great thanks everyone. do you guys with the loan suggestions for penfed and bank of america happen to know if there is an early payoff penalty?

steveg78 · 05-05-2010, 09:11 AM

I know when I log into my BofA account it lists the payoff amount all the time like it's just waiting to be paid off. No mention of a penalty.

05-04-2010, 04:48 PM	#1 (permalink)
Jeffblue A True Z Fanatic Join Date: Dec 2009 Location: NY Age: 36 Posts: 9,192 Drives: Z32TT & 335xi Coupe Rep Power: 37	Picking up my Z thursday... Hey, so my Z came in a month early and i am about to pick it up on thursday. I just have to work out financing and the extras. If any of you financed through nissan motor corp, what rate did you get. they are trying to sell me 6.44% at 72 months. i am not really concerned with the loan period because i will be paying it off after a year no matter what. I think that rate is a little high. Now for the extras (email from the finance manager) Alarm $395 Remote Start $495 Lojack $699 Lojack Early Warning(via text or email) $1195 Great Neck Platinum Card (includes 2 years free oil changes, 5 years roadside assistance and 5 years Tire and Rim Protection) $799 Extended Warranties: 60months/100,000 miles $2108.00 72months/100,000 miles $2373.00 84 months/100,000 miles $2539.00 Right now i am thinking i should get none of these. I'd get the wheel coverage but i'm selling my wheels right away so thats irrelavent, and i have AAA so i dont need roadside assistance (and i can change my own tire ). anyone have any advice for what i should go for from this list, or should i just not get anything? Thanks

05-04-2010, 04:50 PM	#2 (permalink)
theDreamer A True Z Fanatic Join Date: Feb 2009 Location: Texas Posts: 30,879 Drives: 370z Rep Power: 4210	I would do your own oil changes, so that throws that option out. No need for remote start, the car has a pretty good alarm system already, lojack is not worth it. By the time they find it, what they wanted out of the car will be gone. I did not finance through Nissan so I cannot help you there. __________________ theDreamer's Z // Fast Intentions // Uprev // GTM // HKS // TEIN theDreamer's Silvia // URAS // GREDDY Houston Zs // Facebook // Twitter // Instagram

05-04-2010, 06:22 PM	#10 (permalink)
fullmonty A True Z Fanatic Join Date: Nov 2009 Location: Dirty Jersey Posts: 7,762 Drives: 370 Touring/Sport Rep Power: 33	Hope it goes well for you! __________________

05-04-2010, 08:45 PM	#12 (permalink)
mirinda164 Base Member Join Date: May 2010 Location: mirinda164 Posts: 1 Drives: mirinda164 Rep Power: 14	I agree with your idea!\ __________________ Charlotte Press Release Service

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05-04-2010, 04:55 PM	#3 (permalink)
Jeffblue A True Z Fanatic Join Date: Dec 2009 Location: NY Age: 36 Posts: 9,192 Drives: Z32TT & 335xi Coupe Rep Power: 37	thanks dreamer, I wish they'd throw in infinite TPMS resets. that would be awesome. i want to try and get that thrown into the deal.

05-04-2010, 05:24 PM	#5 (permalink)
shadoquad A True Z Fanatic Join Date: Apr 2010 Location: . Posts: 42,608 Drives: . Rep Power: 3886	I just bought mine recently and flat denied all the dealer extras. I came there to purchase a car, and that's all that I did, on my terms, for my price... Hell, they even got me a better interest rate than I'd anticipated. The extras are all things that I've already got from insurance or can handle myself. Because my Z is a pleasure car, I can sit it for months at a time if I need to save up to get serious work done.

05-04-2010, 06:00 PM	#7 (permalink)
shadoquad A True Z Fanatic Join Date: Apr 2010 Location: . Posts: 42,608 Drives: . Rep Power: 3886	My bank's best possible rate was beaten by another bank by .35%. Don't sound like much, but I wasn't sure I'd get even my bank's best.

05-04-2010, 06:01 PM	#8 (permalink)
steveg78 Track Member Join Date: Apr 2009 Location: MD Posts: 569 Drives: 09 370Z PG M6 +Sport Rep Power: 17	ditto on what shadoquad said. I'm in the same boat. I got 3.69%/72mo. Beat my PenFed 3.99%. Denied all the extras. Second vehicle for me too. The 6.44% rate is a little on the high side but if your credit score is in the mid-high 700s you should be able to get a better rate than that. Even Pendfed 3.99%.

05-04-2010, 06:18 PM	#9 (permalink)
Jeffblue A True Z Fanatic Join Date: Dec 2009 Location: NY Age: 36 Posts: 9,192 Drives: Z32TT & 335xi Coupe Rep Power: 37	yea i have a 740+ credit score. i think its kinda bs rate. plus i have just paid off my altima through them after 2 years. so is the consensus no extras? no concerns from anyone about the warranty?

05-04-2010, 06:52 PM	#11 (permalink)
steveg78 Track Member Join Date: Apr 2009 Location: MD Posts: 569 Drives: 09 370Z PG M6 +Sport Rep Power: 17	Yeah def apply for the PenFed loan. Even though you are picking it up Thurs you can supply them the VIN and the loan amount and they will overnight the check. You should get 3.99%... I just checked Penfed and they aren't offering 3.99 for 72mo anymore, you have these options: 60mo 3.99 72mo 4.75 Still better than your rate and then you can see if the dealer can beat that rate. Mine did but they financed it through BofA not NMC. Good luck

05-04-2010, 10:59 PM	#13 (permalink)
alvinmathew88 Enthusiast Member Join Date: Mar 2009 Location: Irving, TX Posts: 268 Drives: 97 Civic Ex Coupe Rep Power: 16	i just ran a quick check for you.. its showing 3.09% from Bank of America for under 60 months!

05-05-2010, 06:17 AM	#14 (permalink)
Jeffblue A True Z Fanatic Join Date: Dec 2009 Location: NY Age: 36 Posts: 9,192 Drives: Z32TT & 335xi Coupe Rep Power: 37	great thanks everyone. do you guys with the loan suggestions for penfed and bank of america happen to know if there is an early payoff penalty?

05-05-2010, 09:11 AM	#15 (permalink)
steveg78 Track Member Join Date: Apr 2009 Location: MD Posts: 569 Drives: 09 370Z PG M6 +Sport Rep Power: 17	I know when I log into my BofA account it lists the payoff amount all the time like it's just waiting to be paid off. No mention of a penalty.