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Old 01-30-2013, 11:31 AM   #1
SAUTO SAUTO is offline
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How do you know what I can afford? I just don't enjoy paying interest.
i dont know what you could afford. again if you dont like paying interest finance it for a shorter period of time.


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Old 01-30-2013, 11:36 AM   #2
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i dont know what you could afford. again if you dont like paying interest finance it for a shorter period of time.


simple
oh you mean i should put 0 down on a new car and finance it for 5 years?
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Old 01-30-2013, 11:57 AM   #3
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oh you mean i should put 0 down on a new car and finance it for 5 years?
Heh. Coincidentially, I got pretty close to doing this. I ended up putting 2,000 down on a 3 year note and the car was used, but still. I had enough for about half the cost of the car, and the interest rate was so low that it was going to cost me like $200 to hold on to the rest of the cash.

I probably could have got away with nothing down, but they would have had to re-run the application, so I just put 2,000 down. But hell yes I will maintain the ability to access my money for $200 in interest.
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Old 01-30-2013, 12:12 PM   #4
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Heh. Coincidentially, I got pretty close to doing this. I ended up putting 2,000 down on a 3 year note and the car was used, but still. I had enough for about half the cost of the car, and the interest rate was so low that it was going to cost me like $200 to hold on to the rest of the cash.

I probably could have got away with nothing down, but they would have had to re-run the application, so I just put 2,000 down. But hell yes I will maintain the ability to access my money for $200 in interest.
Well yeah, if you can get a 0% interest deal or something close to that, do it.

You know what I meant.
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Old 01-30-2013, 12:20 PM   #5
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Well yeah, if you can get a 0% interest deal or something close to that, do it.

You know what I meant.
It was 2.0% money and not any special deal or anything. And it is probably a length of loan deal. My buddy looked into financing a car at 6 years instead of 3 and his rates were much higher. I don't remember how long he tied it up for but it wasn't 6.

I just thought it was funny that you were being sarcastic and I just did almost that.
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Old 01-30-2013, 12:43 PM   #6
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It was 2.0% money and not any special deal or anything. And it is probably a length of loan deal. My buddy looked into financing a car at 6 years instead of 3 and his rates were much higher. I don't remember how long he tied it up for but it wasn't 6.

I just thought it was funny that you were being sarcastic and I just did almost that.
Yeah - when I bought my car I put about half down and then financed 5yrs @ 4.24%. This was through the dealer and necessary to get something like $2500 in rebates. After a couple of months I went and refinanced 3yrs @ 1.99%.

Win.
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Old 01-30-2013, 12:44 PM   #7
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Yeah - when I bought my car I put about half down and then financed 5yrs @ 4.24%. This was through the dealer and necessary to get something like $2500 in rebates. After a couple of months I went and refinanced 3yrs @ 1.99%.

Win.
Nice.
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Old 01-30-2013, 12:10 PM   #8
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oh you mean i should put 0 down on a new car and finance it for 5 years?
i was thinking more like 7 years, and make sure you borrow some money to put some wheels on it too
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Old 01-30-2013, 12:13 PM   #9
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i was thinking more like 7 years, and make sure you borrow some money to put some wheels on it too
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Old 01-30-2013, 12:20 PM   #10
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