yeah man my truck.. 0% loan, zero down..
link to a picture of it
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05-07-2012, 08:58 PM #2281
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05-07-2012, 09:04 PM #2282
wow (loan. seen truck before. also mountains and snow and road and stuff).
tbh i haven't done much looking because i own a car already that works just fine, but i would be surprised if such loans existed over here. in my extremely limited experience of loans, the more money you borrow, the higher the interest and more mandatory the deposit. i've seen 0%/0 on electronics and whitegoods though.
i'm wary of loans in general, i don't even own a credit card. i'm very very against spending beyond my means..
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05-07-2012, 09:05 PM #2283
We saved up enough for a new car last year and when we went to buy it we tried to get their 0% financing that they were offering. They said we didn't qualify and tried to give us like a 4 or 5% rate on a 5 or 6 year loan - I can't remember the details, but we just declined the offer and paid cash for the car. So now instead of paying the bank $5/6/700 a month for 5 years, we are paying ourselves that money. And instead of having an old car to show for it at the end of that 5 year period, we will have an old car and nearly $40,000 to spend on a new car at that time if we need one.
It took A LOT of convincing to get my wife to agree to take the financing if they offered us a low enough interest rate - that's like free money. But they wouldn't go lower than 4% so we just bought it outright. Honestly there is nothing more satisfying than watching that ****-eating grin disappear from the financing guys face when he thinks he has screwed you on the financing, and you just write him a check for the negotiated price. A lot of people think that you can get a better deal if you are paying cash, but my experience was the opposite. Let them think you are financing and they will be more likely to give you a good price thinking they will screw you over on the financing end. Then you just pay in full and the jakes on them.My Journal (RIP 05/11 - 09/13):
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05-07-2012, 09:05 PM #2284
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05-07-2012, 09:06 PM #2285
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Yeah I figured you had seen that pic before and I posted it once which is why I did just the link this time. But ... the 0% loan means they are tacking on at least 4,000-5,000 to the sticker price for the vehicle over what they really need... which is why the other promotion is, you guessed it, 5,000 'cash back'. So they are getting me either way if I buy new...
In the end, what Peter and D1 are talking about is always going to be more financially intelligent, imho.
Edit: Farley'd ^^All Hail the Ultimate Master, "I Know More Than The Generals Do", Donald Camacho Dr. Pepper X-Ray AR-15 Trump
BRB getting Brawndo, it has what plants need
BRB Welcome to Costco, I Love You
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05-07-2012, 09:07 PM #2286
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05-07-2012, 09:09 PM #2287
There are all kinds of hidden details though. In our case, it was $500 off or 0%/0 down. We negotiated a purchase price for the car, and then when we went to talk to the financing guy he told us that the price we agreed upon included the $500 off deal - even though it was never brought up. Car salesmen are sneaky mother ****ers. If I had another couple hours to waste I probably could have gotten another $500 off, but we were already getting a great deal and I didn't think it was worth my time.
My Journal (RIP 05/11 - 09/13):
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05-07-2012, 09:09 PM #2288
- Join Date: Dec 2009
- Location: North Pole, Alaska, United States
- Posts: 19,115
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All Hail the Ultimate Master, "I Know More Than The Generals Do", Donald Camacho Dr. Pepper X-Ray AR-15 Trump
BRB getting Brawndo, it has what plants need
BRB Welcome to Costco, I Love You
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05-07-2012, 09:10 PM #2289
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05-07-2012, 09:11 PM #2290
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05-07-2012, 09:21 PM #2291
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05-07-2012, 09:24 PM #2292My Journal (RIP 05/11 - 09/13):
http://forum.bodybuilding.com/showthread.php?t=134256491
DIY Plyo Boxes:
http://forum.bodybuilding.com/showthread.php?t=151765733
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05-07-2012, 09:25 PM #2293
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05-07-2012, 09:28 PM #2294
I always figured the advantage of leasing a car was that you didn't have to buy it at the end. If you do buy it at the end however, you are paying a considerable amount more.
I also thought someone mentioned taking out a loan to finance OR lease a car. I'll see if I read that right, but my main question was: why would you take out a loan to lease a car, if you did in fact intend on buying it?
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05-07-2012, 09:29 PM #2295
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05-07-2012, 09:31 PM #2296
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05-07-2012, 09:33 PM #2297
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05-07-2012, 09:48 PM #2298My Journal (RIP 05/11 - 09/13):
http://forum.bodybuilding.com/showthread.php?t=134256491
DIY Plyo Boxes:
http://forum.bodybuilding.com/showthread.php?t=151765733
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05-07-2012, 09:51 PM #2299
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05-07-2012, 10:16 PM #2300
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05-07-2012, 10:21 PM #2301
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05-07-2012, 10:23 PM #2302
- Join Date: Apr 2008
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Marathon time = 03:26:32 - average pace 07:53
Half Iron Man - 6hrs 14 min ( with no training )
LeadMan 125k - 8hrs 21mins
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05-07-2012, 10:26 PM #2303
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05-07-2012, 10:29 PM #2304
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05-07-2012, 10:38 PM #2305
This is the quote that I was talking about? confusedronburgandy.jpg
Peoples were saying that you could be smart and get a superb lease, and I didn't knows why it would be so superb!?!
Anyways, I thought Peter was talking about someone who already took out a loan, and that the smart move after would be to lease the car.
Just watch out for the 500,000 mile warranty.
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05-07-2012, 10:54 PM #2306
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~~~2011 Mens First place winner of the ERGOGENIX QBM Transformation Challenge~~~
^^^^^EXTREME PULL-UPS CREW^^^^^30 Reps Crew^^^
Marathon time = 03:26:32 - average pace 07:53
Half Iron Man - 6hrs 14 min ( with no training )
LeadMan 125k - 8hrs 21mins
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05-07-2012, 11:35 PM #2307
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05-08-2012, 12:29 AM #2308
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05-08-2012, 01:51 AM #2309
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05-08-2012, 01:59 AM #2310
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