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More than 70% of new auto loans are longer than 61 months. LJL
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Date: October 1st, 2019 11:25 AM Author: Sooty Hot Ratface Pit Average car price is $40,000. Assuming like 5% interest, the average American is paying like $650/month for an average car, but will have to make that payment 72 times. LJL!!
https://imgur.com/a/SFEhDCz |
Date: October 1st, 2019 11:28 AM Author: Insecure Vigorous Locale Alpha I thought 5% was too high an estimate but Google says the 60 month average is 4.2... so 5 is probably right.
I do not understand how people make decisions like this. |
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Date: October 1st, 2019 11:30 AM Author: Sick hairraiser spot What would a better decision be? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913115) |
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Date: October 1st, 2019 11:31 AM Author: Insecure Vigorous Locale Alpha Buy a goddamn Civic for 22 grand. Or a forte or a Corolla. Fucking 40 Grand for a car AVERAGE JFC (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913123) |
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Date: October 1st, 2019 11:41 AM Author: Obsidian Karate yeah this is insane. the average salary in the us isnt much higher than 40k (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913155) |
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Date: October 1st, 2019 11:45 AM Author: Insecure Vigorous Locale Alpha When our SUV died at 200k miles this year we bought a new one for 35k, which is right about 10% of our gross income. It seemed very expensive to me.
People are fucking killing themselves with these trucks and 3 series |
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Date: October 1st, 2019 11:49 AM Author: Sick hairraiser spot Ah, yeah I agree that paying $40,000 for a car entirely on credit is rarely a good idea. But even a 5% loan makes technical sense, assuming the money could be put to a use generating 8+% returns.
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Date: October 1st, 2019 11:51 AM Author: Insecure Vigorous Locale Alpha Link to guaranteed 8% returns and studies establishing the likelihood that the money would be used in this way tyia (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913189) |
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Date: October 1st, 2019 11:52 AM Author: Sick hairraiser spot No such thing as guarantees, and I highly doubt that most people doing this would invest all the money they are not spending on the car. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913194) |
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Date: October 1st, 2019 11:54 AM Author: Insecure Vigorous Locale Alpha So I understand the technical point your making but it's entirely useless for evaluating the issue raised in the op (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913202) |
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Date: October 1st, 2019 12:01 PM Author: Sick hairraiser spot I'm not disputing that lots of people make lots of bad decisions when it comes to buying cars. Just saying that a long-term car loan isn't necessarily a bad idea if you can afford the car in the first place.
We just bought a new 8-passenger vehicle for around $40,000 last year, and I think it would have been foolish to pay all cash up front in comparison to a monthly car payment that we hardly miss spread out over time. |
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Date: October 1st, 2019 12:04 PM Author: jade fluffy sanctuary The concept you're reaching for here is called "opportunity cost." (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913261) |
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Date: October 1st, 2019 12:08 PM Author: Sick hairraiser spot Yeah, I'm aware of the concept. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913288) |
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Date: October 1st, 2019 12:09 PM Author: flirting sound barrier your kids won't be. http://www.xoxohth.com/thread.php?thread_id=4354802&mc=2&forum_id=2 |
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Date: October 1st, 2019 12:11 PM Author: Sick hairraiser spot lol. SPS indeed.
My son's actually really into investments. He gets the same short-term pleasure from buying ETFs that other kids from buying toys or whatever. |
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Date: October 1st, 2019 12:19 PM Author: Soggy Idea He Suggested Generalized Bond weird poast (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913348) |
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Date: October 1st, 2019 12:20 PM Author: Sick hairraiser spot How so? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913353) |
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Date: October 1st, 2019 12:08 PM Author: Boyish rigor halford problem is people rarely have the discipline to not accrue more and more monthly payments whereas you feel the hurt with a large cash outlay as you should to prevent future profligacy
"it's alright honey we have 50k in the bank!" *signs up for second car* *signs up for bigger mortgage* *signs up for private school* etc |
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Date: October 1st, 2019 12:09 PM Author: Sick hairraiser spot Yeah, agreed. We are usually a buy used, cash-up-front, pay off the credit card bills monthly kind of family. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913294) |
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Date: October 1st, 2019 10:41 PM Author: blathering deer antler circlehead Debt service on the car is guaranteed from borrowers perspective (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916136) |
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Date: October 1st, 2019 11:56 AM Author: Wonderful theater Mattresses pay 8% now? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913213) |
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Date: October 1st, 2019 6:09 PM Author: frum roast beef new version Tax free too (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914947) |
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Date: October 1st, 2019 12:15 PM Author: Fishy big clown faggotry A buncha nutellas I tell ya! (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913321) |
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Date: October 1st, 2019 5:18 PM Author: Aphrodisiac ivory shrine You mean a used civic for 10K (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914707) |
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Date: October 1st, 2019 5:21 PM Author: Thriller gaped menage factory reset button yeah i can't believe how much people spend on cars. I'm shitting my pants about buying a $25k used minivan. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914721) |
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Date: October 1st, 2019 11:29 AM Author: Obsidian Karate What's the cr duration for a car loan? Or should you just pay cash? What's the received wisdom here (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913111) |
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Date: October 1st, 2019 11:30 AM Author: Jet-lagged idiot station Depends on interest
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Date: October 1st, 2019 11:30 AM Author: Insecure Vigorous Locale Alpha The longest you can get at zero or 0.9% (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913117) |
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Date: October 1st, 2019 11:30 AM Author: Wonderful theater Unless you can get some sick financing just pay cash for used. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913118) |
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Date: October 1st, 2019 11:50 AM Author: chrome ungodly point (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913185) |
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Date: October 1st, 2019 10:33 PM Author: Comical theatre (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916094) |
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Date: October 2nd, 2019 1:51 AM Author: electric swollen internal respiration (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916833) |
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Date: October 1st, 2019 12:01 PM Author: Boyish rigor halford buy new and keep for 10 years, rinse repeat. the floor for used cars is too damn high these days believe it or not. carmax, shift, carvana etc have pushed the floor up and there's too much access to information that just about everything sold private party used is priced competitively. very hard to find deals like you could in the 90s before the internet.
new cars also have some pretty cool tech and modern amenities. a car without bluetooth or side airbags seems really prole these days.
i would also stick to toyota and honda honestly. don't fuck with what works. |
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Date: October 1st, 2019 9:39 PM Author: chartreuse stage patrolman credited advice (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38915792) |
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Date: October 1st, 2019 9:58 PM Author: Fishy big clown faggotry (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38915873) |
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Date: October 1st, 2019 10:50 PM Author: Excitant scourge upon the earth (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916186) |
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Date: October 1st, 2019 5:23 PM Author: bat shit crazy electric furnace Anything under 2% and 3 years is good. 5 years I assume the rates are higher. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914732) |
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Date: October 1st, 2019 6:04 PM Author: trip awkward national security agency church You're insane if you wouldn't take a long loan at 2%. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914916) |
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Date: October 1st, 2019 11:31 AM Author: Fishy big clown faggotry "cars" ljl. POWERGOYS are now exclusively buying Trucks. Not hard to afford a Corolla but that would be too emasculating for Bobby. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913121) |
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Date: October 1st, 2019 11:52 AM Author: Excitant scourge upon the earth (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913190) |
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Date: October 1st, 2019 11:52 AM Author: flirting sound barrier the moment the "economy" ticks up even a bit they immediately rush out and buy trucks. very sad! (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913191) |
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Date: October 1st, 2019 11:55 AM Author: Obsidian Karate that thing got a hemi? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913205) |
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Date: October 1st, 2019 11:56 AM Author: flirting sound barrier it's ok when lawyers do it (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913210) |
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Date: October 2nd, 2019 12:07 AM Author: Drab heady range You are gay if you don't drive a truck. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916574) |
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Date: October 3rd, 2019 12:06 AM Author: Fishy big clown faggotry I'm gay (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38921908) |
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Date: October 2nd, 2019 11:26 PM Author: Chocolate soul-stirring corner gunner (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38921669) |
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Date: October 1st, 2019 11:55 AM Author: Histrionic hospital A good rule of thumb is not to spend more than the amount of your gross annual salary on a car. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913208) |
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Date: October 1st, 2019 11:56 AM Author: Sooty Hot Ratface Pit (Top salesman at Marco Rubio Toyota of Miami) (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913215) |
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Date: October 1st, 2019 11:57 AM Author: Obsidian Karate (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913219) |
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Date: October 1st, 2019 12:00 PM Author: Fishy big clown faggotry (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913244) |
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Date: October 1st, 2019 12:07 PM Author: Salmon motley set (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913279) |
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Date: October 1st, 2019 12:39 PM Author: Beady-eyed Slate Dilemma (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913466) |
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Date: October 1st, 2019 11:56 AM Author: flirting sound barrier (Ford spokesman) (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913216) |
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Date: October 1st, 2019 11:57 AM Author: bistre half-breed space Technically correct, you ought not to spend more than that (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913222) |
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Date: October 2nd, 2019 1:55 AM Author: electric swollen internal respiration guy winning the lsat (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916843) |
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Date: October 1st, 2019 11:58 AM Author: Salmon motley set rule of thumb: people who come up with financial rules of thumb need to be beaten with a rod of at least the thickness of a man’s thumb (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913226) |
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Date: October 1st, 2019 11:59 AM Author: Obsidian Karate and that rod should be emblazoned with jewels which cost at most 20% of your annual salary (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913235) |
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Date: October 1st, 2019 12:06 PM Author: Floppy sex offender liquid oxygen (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913269) |
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Date: October 1st, 2019 12:07 PM Author: Salmon motley set (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913275) |
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Date: October 1st, 2019 5:54 PM Author: Thriller gaped menage factory reset button (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914869) |
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Date: October 2nd, 2019 12:16 AM Author: filthy mother stag film and you tip the whipping boy 15%, and if he screamed particularly loudly, upwards of 25% (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916604) |
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Date: October 2nd, 2019 1:54 AM Author: electric swollen internal respiration obviously you're wrong rules of thumb make sense. they just need enough qualifiers to be useful |
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Date: October 1st, 2019 12:02 PM Author: Fishy big clown faggotry including the tip for the salesman (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913253) |
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Date: October 1st, 2019 5:31 PM Author: chrome ungodly point LOL (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914770) |
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Date: October 1st, 2019 5:55 PM Author: Thriller gaped menage factory reset button lol (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914873) |
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Date: October 1st, 2019 11:57 AM Author: Boyish rigor halford dealer was stunned when i said i would be putting down 18k and financing for 36 months on my 32k honda accord a few months ago. suddenly he started selling me the touring trim that was like $3k more. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913221) |
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Date: October 1st, 2019 12:01 PM Author: Salmon motley set leiter: stuns uchicago field house with 180kg hang clean pumo: stuns hoboken honda dealership with 18k down |
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Date: October 1st, 2019 12:02 PM Author: Boyish rigor halford ljl i have an 800 credit score as well. he said it was the easiest deal he'd had in a while. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913255) |
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Date: October 1st, 2019 12:29 PM Author: Soggy Idea He Suggested Generalized Bond Anyone with a mortgage and a credit card who pays on time has an 800 (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913410) |
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Date: October 2nd, 2019 1:57 AM Author: electric swollen internal respiration way to get an extra discount to account for your credit score (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916844) |
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Date: October 1st, 2019 12:06 PM Author: Floppy sex offender liquid oxygen (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913271) |
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Date: October 1st, 2019 12:14 PM Author: flirting sound barrier we bought a minivan last year. I couldn't get financing (solo) and the guy started talking about these "alternative financing" methods. I just got irritated and said fuck it, I'll write a check. You could've heard a pin drop. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913317) |
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Date: October 1st, 2019 12:16 PM Author: Sick hairraiser spot How long you been solo? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913328) |
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Date: October 1st, 2019 12:17 PM Author: flirting sound barrier idk 30 months or so? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913333) |
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Date: October 1st, 2019 12:20 PM Author: Wonderful theater So two years of tax returns couldn't get you regular financing? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913350) |
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Date: October 1st, 2019 12:23 PM Author: flirting sound barrier the first year tax returns were sps (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913372) |
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Date: October 1st, 2019 12:31 PM Author: Wonderful theater Glad business is picking up. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913421) |
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Date: October 1st, 2019 12:21 PM Author: Sick hairraiser spot Cool. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913359) |
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Date: October 1st, 2019 12:17 PM Author: Boyish rigor halford 1800000 (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913334) |
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Date: October 1st, 2019 12:18 PM Author: flirting sound barrier I've never felt bigger-dicked in my life. then we drove home in a minivan. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913343) |
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Date: October 1st, 2019 12:21 PM Author: Boyish rigor halford lol. it's the small things. if/when we have a third kid we're gonna get a van for sure. which one did you get? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913361) |
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Date: October 1st, 2019 12:24 PM Author: flirting sound barrier cram it d00bs (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913375) |
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Date: October 1st, 2019 12:24 PM Author: Boyish rigor halford (guy who bought a tttoyottta sienna) (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913381) |
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Date: October 1st, 2019 12:35 PM Author: Fishy big clown faggotry (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913444) |
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Date: October 1st, 2019 12:24 PM Author: Sick hairraiser spot lol (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38913382) |
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Date: October 1st, 2019 4:52 PM Author: magenta therapy JFC, CarMax will sell you a five year old Honda Civic for $12K. If you're on a budget, just fucking do that. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914601) |
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Date: October 1st, 2019 4:59 PM Author: narrow-minded well-lubricated office gaping at 0% interest you're crazy to not finance for 72 months (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914625) |
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Date: October 1st, 2019 5:01 PM Author: flatulent toilet seat you're not getting 0% interest on a 72 month loan unless you have perfect credit. Regardless, you're correct. 0% interest on a 72 month loan is a no brainier if you're going to finance a car (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914631) |
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Date: October 1st, 2019 5:05 PM Author: narrow-minded well-lubricated office gaping I have almost perfect credit and qualified for 0% on 60 months. I know Chevy/ GMC occasionally offers these rates, I'm not sure about anyone else. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914645) |
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Date: October 1st, 2019 5:09 PM Author: Boyish rigor halford goy mentality (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914660) |
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Date: October 2nd, 2019 12:13 AM Author: filthy mother stag film (goy) (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916593) |
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Date: October 2nd, 2019 12:13 AM Author: filthy mother stag film Yeah, this is a deal to look out for. I bought my current car at 1.59% interest. |
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Date: October 2nd, 2019 3:35 AM Author: Tan galvanic cruise ship (woman falling for a sale) (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916916) |
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Date: October 1st, 2019 5:06 PM Author: Ruddy Exhilarant Incel 80% of appl products purchased on credit ljl (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38914650) |
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Date: October 1st, 2019 7:56 PM Author: Salmon motley set does that include cell carriers' semi-mandatory "financing" where everybody just pays 30/mo for 2 years (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38915383) |
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Date: October 1st, 2019 9:49 PM Author: mauve razzle-dazzle telephone dingle berry I buy 15 year old used cars off Craigslist for a few thousand cash. Drive them until the odometer is way up into the 200's. Rate me. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38915834) |
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Date: October 2nd, 2019 12:15 AM Author: filthy mother stag film Do you also buy your underwear used from Goodwill? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916598) |
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Date: October 2nd, 2019 1:58 AM Author: electric swollen internal respiration smart, but celibate (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916846) |
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Date: October 1st, 2019 9:56 PM Author: Fragrant fortuitous meteor chapel TBF, increased reliability & resale makes this phenomenon not so surprising (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38915864) |
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Date: October 1st, 2019 10:05 PM Author: judgmental queen of the night box office Summon TMF: how are you paying for X6. Could use some laughs. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38915926) |
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Date: October 1st, 2019 10:16 PM Author: Appetizing Onyx Chad have a HHI of like 500k and can't imagine spending 40k on a car. lol what the fuck is wrong with people (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38915991) |
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Date: October 1st, 2019 10:19 PM Author: Provocative messiness main people Same. My cars were 22k and 31k. HHI 500 (and my HHI was like 750 when I bought the cars). (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916019) |
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Date: October 2nd, 2019 12:15 AM Author: splenetic property haunted graveyard (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916599) |
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Date: October 2nd, 2019 1:46 AM Author: trip awkward national security agency church Are you blowing all your money on the ponies? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916825) |
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Date: October 2nd, 2019 2:00 AM Author: electric swollen internal respiration you probably spend your money on something that is even easier to call stupid (i'm guessing housing) |
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Date: October 2nd, 2019 2:09 AM Author: Appetizing Onyx Chad rent is $2400 (well below market) in the nicest neighborhood in brooklyn (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38916856) |
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Date: October 2nd, 2019 2:41 AM Author: electric swollen internal respiration hhi of 500k, rent at 30k per year? no vehicle over 40k? do you travel a lot? mail letters with upside down airplane stamps? |
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Date: October 2nd, 2019 3:42 AM Author: Appetizing Onyx Chad i'll buy a fancy car if we win the lottery or something.
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Date: October 2nd, 2019 3:18 PM Author: Histrionic hospital How'd you get below market rent? (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38918991) |
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Date: October 3rd, 2019 12:07 AM Author: Fishy big clown faggotry (((how))) indeed. he probably has a rent control passed down from Holocaust Survivor Aunt Ruth. (http://www.autoadmit.com/thread.php?thread_id=4354781&forum_id=2#38921916) |