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  1. #31
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    Originally Posted by RobParks2M View Post
    Literally contradicted yourself within your first 2 sentences. You don't disagree because I am right. IT DEPENDS ON YOUR FINANCIAL SITUATION. If your chit isn't in order and you can barely scrape up the monthly payment each month YOU CAN'T AFFORD THE VEHICLE. Plain and simple. This is why people have been outta work for less than an month and already can't pay their bills because hurr durr 0% and I can afford $300 a month currently even though that means I can't save any money.


    For the rest of us ready and willing to either pay cash or pay 50% up front obviously it is a good deal. Better deal is to get a discount paying all cash.
    Now you're shifting your argument by adding in premises. Nowhere in your post did you mention anything about anyone's financial situation. You made a dumb, blanket statement.

    Now GFTO, because you're making yourself look like a fool.
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  2. #32
    Throwing life a 404 SaviorSelfJT's Avatar
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    Originally Posted by MyBaddBrah View Post
    Now you're shifting your argument by adding in premises. Nowhere in your post did you mention anything about anyone's financial situation. You made a dumb, blanket statement.

    Now GFTO, because you're making yourself look like a fool.
    Hate to take a side here, but robparks did actually mention the financial situation of the individual in his first post. He said if that person "needs" the 0 percent financing. The "needs" implies that the person otherwise couldn't afford the car, which does reflect on the individual's financial situation.
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  3. #33
    Caucasian AlBHappy's Avatar
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    Originally Posted by RobParks2M View Post
    Literally contradicted yourself within your first 2 sentences. You don't disagree because I am right. IT DEPENDS ON YOUR FINANCIAL SITUATION. If your chit isn't in order and you can barely scrape up the monthly payment each month YOU CAN'T AFFORD THE VEHICLE. Plain and simple. This is why people have been outta work for less than an month and already can't pay their bills because hurr durr 0% and I can afford $300 a month currently even though that means I can't save any money.


    For the rest of us ready and willing to either pay cash or pay 50% up front obviously it is a good deal. Better deal is to get a discount paying all cash.
    Obviously not a finance major.

    Let's say someone has a car that is getting old. They have good credit because you can ONLY GET 0% for 7 years if you have good credit. But they don't have a bunch of cash right now to put down on a car. Maybe they bought a house, have a child on the way, but can get approved for the loan. In order to buy the car, they would need the 0% over 7 years.

    Think of it in mortgage terms. People who buy houses, need a low rate and longer terms in order to purchase the home. Same thing.
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  4. #34
    test the limits RobParks2M's Avatar
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    Originally Posted by SaviorSelfJT View Post
    Hate to take a side here, but robparks did actually mention the financial situation of the individual in his first post. He said if that person "needs" the 0 percent financing. The "needs" implies that the person otherwise couldn't afford the car, which does reflect on the individual's financial situation.
    thank you. Glad someone understands what the word NEED means. Funny thing is I'm trying to help people like lyft drivers keep from making a bad decision buying something with payments over 7 years, but he doesn't seem to understand lmao. Not sure why I even bothered tbh.

    Originally Posted by AlBHappy View Post
    Obviously not a finance major.

    Let's say someone has a car that is getting old. They have good credit because you can ONLY GET 0% for 7 years if you have good credit. But they don't have a bunch of cash right now to put down on a car. Maybe they bought a house, have a child on the way, but can get approved for the loan. In order to buy the car, they would need the 0% over 7 years.

    Think of it in mortgage terms. People who buy houses, need a low rate and longer terms in order to purchase the home. Same thing.
    If you make enough money to come up with entire purchase price in 2-5 years, but have nothing now then it totally makes sense. If you can't figure out how to come up with more than just the basic payment for 7 years you literally just need a cheaper vehicle because you just can't afford it. How is this challenging? Unless your mommy and daddy can bail you out when you need repairs in year 6 when something breaks and you don't have spare money then this deal would fuk you.

    Let me know when you find a car that holds its value or appreciates in the first 5 years of ownership. Then we can talk about how buying a car is like buying a home
    Last edited by RobParks2M; 03-25-2020 at 03:14 PM.
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  5. #35
    Registered User BulkingIsHard's Avatar
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    Financing aside, wouldn't the actual sticker price decrease due to a sudden drop in demand? Especially for luxury, sport, and performance cars?
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  6. #36
    test the limits RobParks2M's Avatar
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    Originally Posted by BulkingIsHard View Post
    Financing aside, wouldn't the actual sticker price decrease due to a sudden drop in demand? Especially for luxury, sport, and performance cars?
    I mean only so low they can go, but yes giving good financing deals is the 1st step towards a fire sale. I'm guessing that will be next. Buddy looking at a new whip watching the prices on the Raptors/Rebel/AT4 and the dealers who weren't willing to move on price are suddenly all over him trying to get him back to their sales floor.
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  7. #37
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    0% loan over 7 years is a great return for the person borrowing.

    However...

    If you don't take the loan you get 2500 off the cost of the vehicle. They're getting you one way or another.
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  8. #38
    u wot m8 MyBaddBrah's Avatar
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    Originally Posted by RobParks2M View Post
    thank you. Glad someone understands what the word NEED means. Funny thing is I'm trying to help people like lyft drivers keep from making a bad decision buying something with payments over 7 years, but he doesn't seem to understand lmao. Not sure why I even bothered tbh.
    Theres not one person who doesnt need to take the overall cheaper scenario of financing over 7 years. Unless you can get the price low enough with the stipulation of paying cash. Which is again is adding premises to your argument.


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  9. #39
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    Originally Posted by rectifryer View Post
    0% loan over 7 years is a great return for the person borrowing.

    However...

    If you don't take the loan you get 2500 off the cost of the vehicle. They're getting you one way or another.
    Thats why you ask for a great discount AND 0% financing. If the dealer won't do it, move onto the next.
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  10. #40
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    Originally Posted by DrFeeIGood View Post
    Thats why you ask for a great discount AND 0% financing. If the dealer won't do it, move onto the next.
    My point was that right now, in these extraordinary times, the dealership would find cash up front impossible to turn down, and that cash price would always beat the very best finance price.
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  11. #41
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    Dealers could care less about cash nowadays they make more money on the back end finance deals.
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  12. #42
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    Originally Posted by DoragonKingu View Post
    Dealers could care less about cash nowadays they make more money on the back end finance deals.

    This.

    Whether you have the cash to pay a car in full or even 50%, if they are offering 0% financing, it makes all the sense to go with that.

    Having money in the bank is far more important that having a title, or close enough to paying off a car so you can have a title to the car.

    You're not getting charged any interest plus you're building credit because they see how you manage recurring payments.

    Most dealers don't mind offering 0% financing for 72/84 months whatever because they know most buyers won't own the car for the life of the loan. They will eventually get bored, or want something different 2-4 years in the loan. And at that point, if they trade, they most likely will be upside down on the loan forcing higher payments (and interest) on the next car.
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  13. #43
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  14. #44
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    I've been eying this 2020 R8 with 500 miles that was selling for 159k last week. Now it's $149k. So many deals to be had rn.... I need monies though.
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    Originally Posted by RobParks2M View Post
    Literally contradicted yourself within your first 2 sentences. You don't disagree because I am right. IT DEPENDS ON YOUR FINANCIAL SITUATION. If your chit isn't in order and you can barely scrape up the monthly payment each month YOU CAN'T AFFORD THE VEHICLE. Plain and simple. This is why people have been outta work for less than an month and already can't pay their bills because hurr durr 0% and I can afford $300 a month currently even though that means I can't save any money.


    For the rest of us ready and willing to either pay cash or pay 50% up front obviously it is a good deal. Better deal is to get a discount paying all cash.
    Great financial advice.

    This guy is going to put $50k down your front for a depreciating asset instead of throwing the $50k in an appreciable asset and making small payments for something you should keep for seven years anyway.
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    Originally Posted by Venom08 View Post
    I've been eying this 2020 R8 with 500 miles that was selling for 159k last week. Now it's $149k. So many deals to be had rn.... I need monies though.
    I’d offer 100, srs. Maybe less. They aren’t shifting anything for 3 months minimum, factories are shut down. Businesses run on liquidity, end of. You’ll never get the chance again.
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  17. #47
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    Originally Posted by Venom08 View Post
    I've been eying this 2020 R8 with 500 miles that was selling for 159k last week. Now it's $149k. So many deals to be had rn.... I need monies though.
    Please share the link...
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  18. #48
    test the limits RobParks2M's Avatar
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    Originally Posted by ItsWhatIDo View Post
    Great financial advice.

    This guy is going to put $50k down your front for a depreciating asset instead of throwing the $50k in an appreciable asset and making small payments for something you should keep for seven years anyway.
    Bruh you can't even string complete sentences together don't bother trying to talk down to me. Wanna compare investment portfolios from 2019? How about for 2020? I'm pretty confident your portfolio doesn't remotely compare.

    I've got plenty of money in the bank. If I was buying new ofc I'd do 0% for however long assuming I can't get a better price paying cash. BUT FOR PEOPLE WHO AREN'T SMART AND ARE POOR SPREADING PAYMENTS OVER 7 YEARS SO YOU CAN BARELY AFFORD SOMETHING ISN'T A GOOD DEAL. BUY USED AND GET SOMETHING CHEAPER.

    Perhaps typing with caps will help?
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    Originally Posted by RobParks2M View Post
    No I am not. If you can barely scrape the payments together for 7 years it is far more of a liability than an asset. Lots of vehicles have a 3 year warranty. So what happens in year 5 when it breaks down and you don't have the money to fix it and yet you still have 2 years of payments left?
    if you have the money, and can stretch out payments over 7 years without having to pay interest AT ALL, why would that be bad? And you also have DEALER and MANUFACTURER WARRANTY. let me write it this way for you:

    your way - pay the $15k vehicle cash. 0 leftover
    finance - no down, 200ish a month and invest the rest.

    the latter is the superior decision. i urge you to keep your word to yourself unless your plan is to lead others astray.
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    Originally Posted by Jax05 View Post
    Not yet.
    This.

    In 4 weeks if we’re still quarantined people will be selling their first born for a meal.
    300 Forever
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  21. #51
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    Originally Posted by RobParks2M View Post
    Bruh you can't even string complete sentences together don't bother trying to talk down to me. Wanna compare investment portfolios from 2019? How about for 2020? I'm pretty confident your portfolio doesn't remotely compare.

    I've got plenty of money in the bank. If I was buying new ofc I'd do 0% for however long assuming I can't get a better price paying cash. BUT FOR PEOPLE WHO AREN'T SMART AND ARE POOR SPREADING PAYMENTS OVER 7 YEARS SO YOU CAN BARELY AFFORD SOMETHING ISN'T A GOOD DEAL. BUY USED AND GET SOMETHING CHEAPER.

    Perhaps typing with caps will help?
    Not sure why they misread your post and are talking like that. You clearly didn't say what that guy said you did. I think it's because finance is a very personal/emotional topic for most people and when they simply misread/misinterpreted your post they took it as a personal attack and posted emotionally.
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    Originally Posted by RobParks2M View Post
    Bruh you can't even string complete sentences together don't bother trying to talk down to me. Wanna compare investment portfolios from 2019? How about for 2020? I'm pretty confident your portfolio doesn't remotely compare.

    I've got plenty of money in the bank. If I was buying new ofc I'd do 0% for however long assuming I can't get a better price paying cash. BUT FOR PEOPLE WHO AREN'T SMART AND ARE POOR SPREADING PAYMENTS OVER 7 YEARS SO YOU CAN BARELY AFFORD SOMETHING ISN'T A GOOD DEAL. BUY USED AND GET SOMETHING CHEAPER.

    Perhaps typing with caps will help?
    lol @ this butthurt little fella getting upset and negging. You lost brah. That's why you got mad and negged. It's okay to admit defeat. We all take a few L's sometime.
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  23. #53
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    Originally Posted by Geosynchronicty View Post
    if you have the money, and can stretch out payments over 7 years without having to pay interest AT ALL, why would that be bad? And you also have DEALER and MANUFACTURER WARRANTY. let me write it this way for you:

    your way - pay the $15k vehicle cash. 0 leftover
    finance - no down, 200ish a month and invest the rest.

    the latter is the superior decision. i urge you to keep your word to yourself unless your plan is to lead others astray.

    I don't know which cars only have "3 years warranty". I think he meant to say 3 year B2B warranty. Mostly every car has that. Then they each have their powertrain warranty. I know BMW's is 4 year 50k, dodge is 5 year 60k, GM is 5 year 60k, all powertrain warranty. Hell, kia is like 10 year 100k if you're the first owner of the car.

    But i don't get what he's saying though. He said what happens if the car breaks down in year 5 and you have 2 years of payments left?

    So what happens if someone had purchased a car in full from day 1, and the car breaks down in year 5? You now have a title to a broken car. Can't sell it until you fix it. So not only are you out the entire purchase price of the car from day 1 (call it 40k for example), but now because of depreciation and because it's broken, you can probably get the car for 5-15k, in year 5. And depending on what broke.

    I've traded "broken" cars before to dealers for newer cars. NOT ONCE have they test drove the car and say, "Heyyyyyyy your passenger strut is blown! Fix this now or you can't trade this car in!"

    Now unless it's a catastrophic failure like a blown engine after the warranty expires, then neither the financed car or the paid in full car will make a difference, you're just phucked there. Which is what confused me about what he said year 5 with 2 years payments left.
    Schooling everyone that has to do with automotive one brah at a time. It's tiring but someone gotta do it lol


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    Originally Posted by MyBaddBrah View Post
    lol @ this butthurt little fella getting upset and negging. You lost brah. That's why you got mad and negged. It's okay to admit defeat. We all take a few L's sometime.
    Builds character. Never ever put money up today that you don't have to. 0% is FREE.
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    Originally Posted by RobParks2M View Post
    Better deal is to get a discount paying all cash.
    You don't get a better discount paying all cash.
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    I’m sick of the car companies trying to capitalize on the Coronavirus by making comericials that make them seem like they are helping people.
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    Originally Posted by FrankGrimesJr View Post
    I’m sick of the car companies trying to capitalize on the Coronavirus by making comericials that make them seem like they are helping people.
    Chevy cares
    So much we’ll bend over backwards because no one is buying our chit

    Seriously contemplating trading the frontier in in the next month or so if deals get good enough lol
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    RN and vette crew 1QWIK7's Avatar
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    Originally Posted by FrankGrimesJr View Post
    I’m sick of the car companies trying to capitalize on the Coronavirus by making comericials that make them seem like they are helping people.
    No one is buying chit right now. So the dealers are hurting bad.

    It only makes sense to do anything they can for some business. Like taking brand new pics of their inventory, making commercials, offering the 90 day no payment option, 0% financing etc.

    Lots of people lost their job. Some people lost a lot of hours. And some fortunate people weren't affected.

    Pretty sure not many of these people are considering buying cars at the moment.
    Schooling everyone that has to do with automotive one brah at a time. It's tiring but someone gotta do it lol


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    Originally Posted by FrankGrimesJr View Post
    I’m sick of the car companies trying to capitalize on the Coronavirus by making comericials that make them seem like they are helping people.
    Shut up, what are they supposed to do, stop selling?
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    Watch for company foreclosures. My dad picked up a 2007 tundra for 8,200
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