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Forum » Insured a lady today who financed $60k on a 2017 Toyota Tacoma
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Thread: Insured a lady today who financed $60k on a 2017 Toyota Tacoma

post 1461279643 09-08-2016, 07:39 AM
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My friend owns a few dealerships that sell new Kia and Hyundai. Also has a used deal too. Anyway, it's not in the greatest area anymore, so the people that come in don't have the greatest credit to say the least.

He always tell stories about people coming in and buying new cars, but since their credit is so chit that they are paying like 600-900 a month for a car that should in reality cost you about 200-250, but since their credit is so bad that bank will only finance them at like 20%+ interest rates.
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post 1461280043 09-08-2016, 07:42 AM
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I'm surprised you're allowed to even buy trucks in California.

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post 1461280103 09-08-2016, 07:42 AM
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And here I am debating on whether I should buy a brand new 2016 for 9k at liquidation which will cost me like $120/m financed thorough my bank.
post 1461280263 09-08-2016, 07:44 AM
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Originally Posted By LinuxJon⏩
Mind was blown when I saw the bill of sale.

$47k for the truck (u wot?)
$13k negative equity from her previous car
$0 cash down
------
$60k for 72 months

I could buy like... 1 1/2 loaded F150 or Ram 1500 trucks for that. Wtf.
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post 1461280273 09-08-2016, 07:44 AM
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Originally Posted By Boston03G35⏩
Correct you don't. But leasing is for people who want low as hell payments or who love new technology every 3 or so years or who want a drive a car normally out of their budget.

I used to work for Audi and 70% of our business was leases. I leased a 27K car 3 months ago and my payments total 11 grand over the 3 years. I have a brand new top of the line trim level for my model with every option available. I have tier 3 credit....my payment is 294 a month

edit: I agree with last statement. If you are gonna finance or pay cash you would be crazy not to get a CPO 2015 or 2016 and let first person eat that deprecition
I wasn't aware the payments were so low on lease. Did you have to put $$ down?
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post 1461280433 09-08-2016, 07:45 AM
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Originally Posted By Boston03G35⏩
a 500 dollar a month payment is a 25,000 dollar car. Her payment is probably north of 900-1000 a month. Every 1000 dollars financed is 18 bucks a month average for tier 1 credit. Every 1000 dollar leased is 30 bucks for tier 1

edit:

I had a woman in yesterday tipped 8000 bucks on a 2012 Mazda 5, she wanted a 2015 CPO Malibu for 250 a month. We had no shot at closing this one
you work in boston? u guys hiring?
post 1461280613 09-08-2016, 07:47 AM
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Originally Posted By yoxnick⏩
I wasn't aware the payments were so low on lease. Did you have to put $$ down?
Yes you have to put a few grand down due at signing.
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post 1461281813 09-08-2016, 07:56 AM
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My Audi A4 lease is up in about a year. Great car but I hate paying for it, going to get a new Honda Civic for 1/2 the price.
post 1461282883 09-08-2016, 08:04 AM
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my dad bought a used tacoma with like 27k miles...double cab with full bed. Lifted. Texas edition...was a 2013 or 2014 though for 30k. He bought it last year...truck is nice but fuark dat gas just gets guzzled away
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post 1461283303 09-08-2016, 08:07 AM
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Originally Posted By WSG1⏩
I think i can top that, I work at a new car dealership, This lady traded in a 2006 Altima with $9k negative equality for a brand new 2015 Altima, Car cost $22k new, Out the door she ended up with a $36k car, Add in the interest rate, She will be paying $43k+ for it.
How do you owe 9k on a 9 year old Altima?!
post 1461283583 09-08-2016, 08:08 AM
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Originally Posted By Postmort3m⏩
How do you owe 9k on a 9 year old Altima?!
My guess would be that she kept refinancing it to keep the payments low.
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post 1461283613 09-08-2016, 08:08 AM
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Originally Posted By LinuxJon⏩
Mind was blown when I saw the bill of sale.

$47k for the truck (u wot?)
$13k negative equity from her previous car
$0 cash down
------
$60k for 72 months

I could buy like... 1 1/2 loaded F150 or Ram 1500 trucks for that. Wtf.
who in the **** would approve her for that loan............

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post 1461283723 09-08-2016, 08:09 AM
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Originally Posted By mike0093_OLDONE⏩
My Audi A4 lease is up in about a year. Great car but I hate paying for it, going to get a new Honda Civic for 1/2 the price.
how long was your lease/what were you paying per month? I'm taking a job soon where I am a liaison role and will be picking up clients/suppliers and so will be needed to get a decent car soon, so I was interested in an A4 myself.
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post 1461283863 09-08-2016, 08:10 AM
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Lmao. you can get a new 2016 audi q5 w. tech package for like 53k out the door
post 1461285193 09-08-2016, 08:19 AM
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Originally Posted By LinuxJon⏩
$47k for the truck (u wot?)
See title of vid, but still worth watching. Toyota isn't cheap no more
https://www.youtube.com/watch?v=478WXze2kbs
post 1461285453 09-08-2016, 08:20 AM
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Originally Posted By yoxnick⏩
I wasn't aware the payments were so low on lease. Did you have to put $$ down?
There is ALWAYS money down at a lease signing. It is extremely rare to see no money down lease unless the payment is high as fuk. Or they charge per mile.
post 1461285573 09-08-2016, 08:21 AM
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Originally Posted By Yachty⏩
Lmao. you can get a new 2016 audi q5 w. tech package for like 53k out the door
Then add her 13k neg equity in there and its a 66k car.......whats your point?
post 1461286023 09-08-2016, 08:24 AM
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did some miscer give her financial advice
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post 1461289203 09-08-2016, 08:44 AM
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God, some people are so retarded financially. These are the same people that will be working until the day they die.
post 1461289523 09-08-2016, 08:46 AM
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Originally Posted By FL_Z32⏩
God, some people are so retarded financially. These are the same people that will be working until the day they die.
And complaining about the rich getting richer and them going broke. Morons.
post 1461289693 09-08-2016, 08:47 AM
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Originally Posted By JPF82⏩
Then add her 13k neg equity in there and its a 66k car.......whats your point?
its a new audi q5 over a tacoma?
post 1461290123 09-08-2016, 08:50 AM
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Originally Posted By JPF82⏩
There is ALWAYS money down at a lease signing. It is extremely rare to see no money down lease unless the payment is high as fuk. Or they charge per mile.
yeah fvk that, the charge per mile. i put almost 60k on my car in 2 years fml
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post 1461290153 09-08-2016, 08:50 AM
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Originally Posted By Yachty⏩
its a new audi q5 over a tacoma?
So you want to add more debt to her that she probably cannot afford?

Are you retarded or something kid?
post 1461290343 09-08-2016, 08:52 AM
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Originally Posted By JPF82⏩
So you want to add more debt to her that she probably cannot afford?

Are you retarded or something kid?
no. jeez you idiots. im saying thats an absurd amount of $ for a fking nothing-special truck when you can get a lot more bang for the buck
post 1461291113 09-08-2016, 08:58 AM
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Buying new cars is usually such a bad deal unless you have the liquid to pay for it in huge chunks. I've seen people who get new Cars and drive them to the ground in like 2-3 yrs. Also wtf is the point of getting the fully loaded on a fukking truck. I guess I'd never drive one unless I had a business that required it.
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post 1461291333 09-08-2016, 08:59 AM
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Originally Posted By yoxnick⏩
I wasn't aware the payments were so low on lease. Did you have to put $$ down?
I used my trade which was worth 2 grand, lol
Originally Posted By ImUTI⏩
you work in boston? u guys hiring?
just north of boston, we are
Originally Posted By eXistenceLies⏩
Yes you have to put a few grand down due at signing.
no you do not, but it will lower your payment. Every 1000 you put down your payment will drop about 30 bucks a month
Originally Posted By mike0093_OLDONE⏩
My Audi A4 lease is up in about a year. Great car but I hate paying for it, going to get a new Honda Civic for 1/2 the price.
One of my good friends is the #5 Audi salesman in the country right now, I am sure I/he could get you a bomb deal.
Originally Posted By mrmk5110⏩
so I was interested in an A4 myself.
see above
Originally Posted By JPF82⏩
There is ALWAYS money down at a lease signing. It is extremely rare to see no money down lease unless the payment is high as fuk. Or they charge per mile.
The two are not related. mileage has nothing to do with money down in United States...ever.

The amount of 0 due at signing leases I do are ridiculous, it is extremely common. The ads will say things like 199 per month with 3,000 due at signing. If you want 0 due at signing be prepared for your payment to now be 289 plus all applicable taxes and fees

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post 1461292003 09-08-2016, 09:03 AM
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Originally Posted By JoshSP1985⏩
Well they are trading in their car there is no thinking about it, the problem is the have negative equity so they have to still pay off the difference between what they own and the trade in value given by the dealership so they tack that difference on top of the cost of the new vehicle.
As long as they can afford the payment everything is cool. The problem manifests sometime down the road when their car is a broken down pos that they owe 50k on and can't find a lender to float them another 30k for a new car or charge prohibitively high interest rates.

Paid cash for used car crew. Since most vehicles depreciate the idea of negative equity is hard for me to wrap my head around, since everyone outside of rare collector cars is "underwater" on day 2 of ownership. Equity to me means that it is an asset. And while having a car in my garage gives me value, I don't consider it an asset. If buy a used car for 25k cash and rack up 20k miles a year then sell it 3 years from now it will be worth less than 25k. Furthermore, the longer I own it the less it is worth. Doesn't seem like an asset to me.

The only difference is I paid my depreciation up front (after being paid interest while saving) and financed "owners" are doing the reverse. If I sold the car for 15k I have paid 10k for luxury of having car at disposal, but if I financed and am underwater I lose the same amount but then have to pay interest on it for the term of new loan. Which again is only a problem if they can't afford the new payment.
post 1461293903 09-08-2016, 09:15 AM
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Lease my car, 800+ credit, not a single f' given.

When I was younger and made way less money, I always bought my cars. I liked the idea of not having a payment. Only had 2 cars over the last 14 years (prior to June).

Switched to lease for my current car. At this point, convenience + new car every 2-3 years is worth it to me. If you have all your ducks in a row, there is nothing wrong with treating yourself to a nice vehicle.
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post 1461295893 09-08-2016, 09:29 AM
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OP what are your thoughts on these balloon programs that a lot more dealerships seem to be using nowadays?
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post 1461297943 09-08-2016, 09:43 AM
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jokes on her

I know someone that leasing a f150 platinum for $900/ month after tax.

And they work in office...99% of the time truck bed is empty.


btw in Canada fully loaded f150 platinum is almost 70$K
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