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  1. #1
    Registered User DoragonKingu's Avatar
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    84 Month Auto Finance

    How/Where Can I Get the Lowest Interest Rate on an 84 Month Auto Finance for a new vehicle? Which banks are giving the lowest interest rates? Where should I research 84 month auto loans?
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  2. #2
    Registered User friesbruh's Avatar
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    No idea but 84 months is long AF. Ofc if I could go back in time and undo my 84/mo loan I would, but when I bought, I just straight up told the dealer, I need, at most, a 4.74 or I'll walk. I picked that cuz I overheard the salesman say "well his credit's good, he could get a 474." The title dude got all pi$$y but fuk em, I couldnt care less.

    Only time it wouldnt be a big deal, an 84/mo loan, is if you bought like a Fiesta or sum chit, but then if you really need 84mos to pay off a gd fiesta, you might have bigger probs.
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  3. #3
    Registered User Gringo12's Avatar
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    Why not just get a new mclaren on a 120 month loan
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    Registered User ErnieMccracken's Avatar
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    Do a time value of money calc before you sign up for that one, boyo.
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  5. #5
    Registered User oldandintheway's Avatar
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    Buy a used car you can afford. 84 mo is insane
    I get a tax deduction just by hanging out here

    More reps, no texts
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  6. #6
    Registered User djdizzydave's Avatar
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    if you are looking at 84 months then you can't afford that car.

    get something cheaper for now.
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  7. #7
    Registered User ErnieMccracken's Avatar
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    Originally Posted by oldandintheway View Post
    Buy a used car you can afford. 84 mo is insane
    brb maybe it's a work vehicle used for a very profitable, yet cash strapped business?
    brb maybe he already spends $2k/mo on prostitutes and this will get him some trim for negligible costs?
    brb is it a collector quality vehicle that will likely triple in value over the next few years?

    I mean, there are reasons. Right, op?
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  8. #8
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    Originally Posted by ErnieMccracken View Post
    brb maybe it's a work vehicle used for a very profitable, yet cash strapped business?
    brb maybe he already spends $2k/mo on prostitutes and this will get him some trim for negligible costs?
    brb is it a collector quality vehicle that will likely triple in value over the next few years?

    I mean, there are reasons. Right, op?
    Lol, totally.

    Op, I wouldn’t touch that. I got a 36 mo and paid it off in 14 months. Making mortgage payments at that thing son
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  9. #9
    I like reptilian beef backinbusiness's Avatar
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    Unless it’s for a Toyota or a Wrangler you’re 100% underwater and better pray you don’t get in an accident (or someone hits you) or pay even more $ for GAP coverage.

    Either way it’s a dumb idea
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  10. #10
    Registered User DoragonKingu's Avatar
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    There are no prepayment penalties, nice to have that low monthly payment because you can always add extra money and get out early. I like to keep my vehicles for 15 years or more.
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  11. #11
    Picture Me Rowin' jordanair45's Avatar
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    Depends on what your bank offers. Usually big banks give those loans.

    As long as the interest rate is super low. Sure. Why not.

    I think I have a 60 month loan on my car. Can pay it off but the interest is so cheap I just pay the payments.
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  12. #12
    Progression Visel's Avatar
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    OP I put a down payment of like $4k on a car and chose a 60 month loan. Payments aren't even $400, yet every single month I try to put AT LEAST $1k towards the loan, usually $2k. Just remember you don't have to be in debt for 84 months, sounds miserable to ALWAYS have a car payment for that long. I'd recommend ensuring you get a deal where you can overpay the payments and get'er done within 12 months or less, otherwise get a cheaper car or save more money.
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  13. #13
    Registered User elterrible987's Avatar
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    You can use online calculators to see what the total interest would be

    I took out a 28k loan at only 0.99% a few years ago, 36 months. It was only $400 something in interest for 3 years. But if you went out to 5 years it was like over 1k or something. The extra time really adds up.
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  14. #14
    Registered User ErnieMccracken's Avatar
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    Imagine paying $76,692 for a $50k car that will be worth $8k by the time you make that last payment.

    Flush $800 (Probably $1300+ if you include registration, insurance, gas, maintenance, and repairs) down the toilet every single month for a mediocre car.

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  15. #15
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    Originally Posted by elterrible987 View Post
    You can use online calculators to see what the total interest would be

    I took out a 28k loan at only 0.99% a few years ago, 36 months. It was only $400 something in interest for 3 years. But if you went out to 5 years it was like over 1k or something. The extra time really adds up.
    Ya but even if you just put the 28k in a high yield savings, that could have made that loan interest free.

    No e brag, but I bought a tesla. I used the $ for tesla options instead, it was basically a free car for me when I hit the strike price.
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  16. #16
    2 B Tan is 2 B Glorious! SipNPiz's Avatar
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    Originally Posted by jordanair45 View Post
    Ya but even if you just put the 28k in a high yield savings, that could have made that loan interest free.

    No e brag, but I bought a tesla. I used the $ for tesla options instead, it was basically a free car for me when I hit the strike price.
    half of Americans don't have $1000, nonetheless $28k.

    millions of people are already 90 days delinquent
    avg payment is ~$600 / mo
    avg term is 69 months
    avg income is what $55k?

    edit: how'd you start trading options, what platform?
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  17. #17
    Registered User ErnieMccracken's Avatar
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    Originally Posted by SipNPiz View Post

    edit: how'd you start trading options, what platform?
    85% of options expire worthless
    95% of retail trading accounts are net losers

    Let that sink in
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  18. #18
    6’5” 256# headturner1's Avatar
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    Originally Posted by ErnieMccracken View Post
    85% of options expire worthless
    95% of retail trading accounts are net losers

    Let that sink in
    The first number I can believe

    The second one.. I’m skeptical bro. Miscers are always up!

    I’m net positive, but I’m also a holder and don’t fuk around much outside of blue chips
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  19. #19
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    Lol we handout 96 month finance regularly on rams and wranglers
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  20. #20
    2 B Tan is 2 B Glorious! SipNPiz's Avatar
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    Originally Posted by KingOzymandias View Post
    Lol we handout 96 month finance regularly on rams and wranglers
    people be dumb af and then blame the government
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  21. #21
    Registered User Beararms's Avatar
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    84+ month loans? No wonder I see so many people in 50k+ vehicles when I know they barely make that yearly before taxes.
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