How are you paid 25k more for your car? I don't get it. Anyways my credit score is 720. You think I can get a 5.99 or less? 60 months would 377.30 72 is 323.43.BlueFrogPosse said:Anyone who says financing for 72 months is bad also needs to realize that financing for any term is just as bad. I say if 72 is what you need to get the car, go for it. If I could have paid cash for my GTI, I certainly would have. Failing that, I'm financed for 72 months. One quick sanity check for you though: just compare the 72-month to the 60-month by multiplying the payment for each plan by the number of months in the term. Look at the two totals side-by-side and see the difference, THEN ask yourself if the lower monthly payment is worth that much extra in the long run. When I was negotiating at the dealership, I paid no attention to the monthly payment (they'll push to get you financed for 8 years if that's what it'll take to get you into the car for the $500 payment you want). Every time the salesman threw a payment at me, I figured the total of the payments. Now I'm gonna pay close to $50K for my $25K car, unless I pay off early to avoid excess interest. Yay me! (but it's worth every penny)
Interest. Fees. Extended Warranty. Mostly interest though. Oh yeah, I forgot to mention a couple grand in negative equity on my trade too. I'm at 5.9% and you've got about a 30 point advantage on me with your credit score. And mine's financed through VW so you should be able to get that at most.DuJour said:How are you paid 25k more for your car? I don't get it. Anyways my credit score is 720. You think I can get a 5.99 or less? 60 months would 377.30 72 is 323.43.
I think I will go for the PkG 1 DSG. 72 months at 320 a month. I called my insurance and it will be $230 a month. So 550 a month total for the car. Whaddya guys think? Should I go for it?!?BlueFrogPosse said:Interest. Fees. Extended Warranty. Mostly interest though. Oh yeah, I forgot to mention a couple grand in negative equity on my trade too. I'm at 5.9% and you've got about a 30 point advantage on me with your credit score. And mine's financed through VW so you should be able to get that at most.DuJour said:How are you paid 25k more for your car? I don't get it. Anyways my credit score is 720. You think I can get a 5.99 or less? 60 months would 377.30 72 is 323.43.
No progressive insurance or geico in Massachusetts. They don't allow outside competition.Bcruzin said:i am with progressive, clean driving record, paying 145 a month... look into it. You may be able to at least find cheaper insurance. My payments are 380 a month on the car. it pays to shop around for insurance.. Geico wanted to run me 225 a month!!!
I was with Arbella (boston) and switched to liberty mutual. For one year with arbella I was paying $1880.00 , when I switched to Liberty Mutual it went down to $1214.00 a year. And that's with a horrible driving record. I think I'm a step 21 in MA.Bcruzin said:i am with progressive, clean driving record, paying 145 a month... look into it. You may be able to at least find cheaper insurance. My payments are 380 a month on the car. it pays to shop around for insurance.. Geico wanted to run me 225 a month!!!
whats ur down payment? i put 10k down for a pkg1 dsg with 18's and im paying 300 for 60 monthsDuJour said:I think I will go for the PkG 1 DSG. 72 months at 320 a month. I called my insurance and it will be $230 a month. So 550 a month total for the car. Whaddya guys think? Should I go for it?!?BlueFrogPosse said:Interest. Fees. Extended Warranty. Mostly interest though. Oh yeah, I forgot to mention a couple grand in negative equity on my trade too. I'm at 5.9% and you've got about a 30 point advantage on me with your credit score. And mine's financed through VW so you should be able to get that at most.DuJour said:How are you paid 25k more for your car? I don't get it. Anyways my credit score is 720. You think I can get a 5.99 or less? 60 months would 377.30 72 is 323.43.