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Forum ยป I financed my 1st car!!!
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Thread: I financed my 1st car!!!

post 1583690101 07-11-2019, 09:44 AM
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Originally Posted By GODself⏩
How much is a 2016 Fiesta ST in America?
Mine was about 16k with mileage in the low 20s
post 1583690191 07-11-2019, 09:46 AM
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Originally Posted By EnderG60⏩
I was 33 before I financed a car. Its now 4 years and 2 cars later and I have it paid off again.

Car payments suck ass. Im not financing crap again unless its a toy worth over $100k.
My payments small enough that I won't even notice it leave my account
post 1583690301 07-11-2019, 09:47 AM
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12% APR hahahahahahahahaha

Dealerships fuk you hard bro

I found the car I wanted, took my wife's car to trade in, test drove said yep, i'll buy on saturday (was thursday). We did credit check etc, was approved and they said it's all yours.

Salesman texted me the next day saying another salesperson didn't know it was sold and a guy offered to pay cash for it. I got all pissed saying "wtf u think we ran credit and had my trade appraised for you retard"... he called me back a few hours later saying it's mine so as long as I finance through them in house. I said ok

Got there saturday to see my credit report read it was 797 and they gave me a 8.99 APR.


The very same day I took it to my credit union and refinanced for 2.49%



OP..... take your ass to a credit union
post 1583690321 07-11-2019, 09:47 AM
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Originally Posted By AWSbruh⏩
You still won't come out ahead financially. You are just trying to justify buying a new car. Buying a new car is the dumbest investment anyone can ever make
Maybe not, but not having a sheit box of a vehicle in the shop every month is worth something to me. I am justifying buying a reliable car.

My father is class A mechanic. All my life I bought cars with between 100000 and 200000 km on them . Everything from ford rangers, to ford super duties, saturn vues, ford contour, etc. Buying prices between 2000 and five grand. Head gaskets, front end work, transmission cooling lines, brake lines,....each year, no matter the vehicle, I only stayed ahead because my labour was free. My weekends werent, because helping fix the hunk of junk.

Eventually Id buck them all off for a loss because a problem would arise that cost more than the car was worth.

I have neither the time now, and my father is getting older and doesnt want to do that ****.

Now, 400 ish a month is fine with me. weekends are free again, and i'll sell the car for $8-9000 after five years.

I bet it IS cheaper in the long run, and even if it wasnt my time is worth more than fixing stuff. And I hate working on cars.

as for dealership doing the work...at 130/hr we know where they make their money.
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post 1583690401 07-11-2019, 09:48 AM
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Originally Posted By Eatforgains⏩
Don't you think I'd be talking about a 911 turbo or some dumb chit if I was frauding
Yes, i'm sure you earn 190k a year, and finance a ford fiesta at 12%

post 1583690611 07-11-2019, 09:51 AM
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Originally Posted By TappingTheZen⏩
Yes, i'm sure you earn 190k a year, and finance a ford fiesta at 12%

I don't get what's so confusing about it. I'm using a cheap car to build my credit knowing full well my interest rate wouldnt be ideal
post 1583690821 07-11-2019, 09:54 AM
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Originally Posted By Eatforgains⏩
12.6
Originally Posted By Eatforgains⏩
2016 Fiesta ST
Originally Posted By Eatforgains⏩
I make enough to pay it off in a month but I'm gonna stretch it out over 12-18 payments
Toasting in a roll bread so hard rn
Originally Posted By BulkingAkaFAT⏩
2.9?!?!? That the Rate in US of A??!? Damn.. Mirin/
I wouldn't say greater than 2.9 is excessive, but with good credit you can definitely get less than that.


I got an unsecured loan in 12 hours for 13K at 3%, at 25 years old. If it was secured, for 5 years, and I was more like 30? Probably in the 2% area.
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post 1583690911 07-11-2019, 09:56 AM
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Originally Posted By Eatforgains⏩
12.6
.....
Originally Posted By wasp9166⏩
holeeeeeeee f lol
This.

Why opie, why? It should NOT have been higher than 3%. Do you have bad credit or something?

Edit: Opie if you like giving rich corporations free money, why don't you divert that to the needy and not make those corrupt fools even richer than they are? Do a good deed you thick brained fewl.
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post 1583690921 07-11-2019, 09:56 AM
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Originally Posted By Eatforgains⏩
12.6
lol


credit rating of piss..............

or about 350
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post 1583691031 07-11-2019, 09:58 AM
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Originally Posted By Jacobcapra⏩
Toasting in a roll bread so hard rn





I wouldn't say greater than 2.9 is excessive, but with good credit you can definitely get less than that.


I got an unsecured loan in 12 hours for 13K at 3%, at 25 years old. If it was secured, for 5 years, and I was more like 30? Probably in the 2% area.
I don't really get what part of the story is so unbelievable. If it's the income you probably don't realize what kind of money there is in the car business.. My boss makes like 35k a month
post 1583691191 07-11-2019, 10:01 AM
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I know a guy who bought a dodge caliber at 28%

Pretty sure he paid for it three or four times by the time he owned it.
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post 1583691361 07-11-2019, 10:03 AM
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Originally Posted By Hutrapper⏩
I know a guy who bought a dodge caliber at 28%

Pretty sure he paid for it three or four times by the time he owned it.
23% is the sub prime rate in my state
post 1583691471 07-11-2019, 10:04 AM
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Originally Posted By Eatforgains⏩
23% is the sub prime rate in my state
Was about six years ago. Hes dead now...look what high interest rates do. lol
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post 1583691521 07-11-2019, 10:05 AM
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Originally Posted By Eatforgains⏩
I don't really get what part of the story is so unbelievable. If it's the income you probably don't realize what kind of money there is in the car business.. My boss makes like 35k a month
CEO 1k a day selling used cars...

































Lol, just lol...
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post 1583691671 07-11-2019, 10:07 AM
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Originally Posted By Hutrapper⏩
Maybe not, but not having a sheit box of a vehicle in the shop every month is worth something to me. I am justifying buying a reliable car.

My father is class A mechanic. All my life I bought cars with between 100000 and 200000 km on them . Everything from ford rangers, to ford super duties, saturn vues, ford contour, etc. Buying prices between 2000 and five grand. Head gaskets, front end work, transmission cooling lines, brake lines,....each year, no matter the vehicle, I only stayed ahead because my labour was free. My weekends werent, because helping fix the hunk of junk.

Eventually Id buck them all off for a loss because a problem would arise that cost more than the car was worth.

I have neither the time now, and my father is getting older and doesnt want to do that ****.

Now, 400 ish a month is fine with me. weekends are free again, and i'll sell the car for $8-9000 after five years.

I bet it IS cheaper in the long run, and even if it wasnt my time is worth more than fixing stuff. And I hate working on cars.

as for dealership doing the work...at 130/hr we know where they make their money.
Again you're making excuses for financing a new car. There are plenty of reliable used cars in the 5-15K range that you can pay with cash. It's people like you that have a 500 dollar per month car payment and complain that they are barely getting ahead later in life. Imagine putting 500 per month in a conservative portfolio even though I would rather go aggressive in my 20s. You will probably be a millionaire before retirement age.
post 1583691751 07-11-2019, 10:08 AM
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Originally Posted By 78novacaine⏩
CEO 1k a day selling used cars...

































Lol, just lol...
I don't know what to tell you man.. Sales of any sort tends to pay more than your average 9-5
post 1583691971 07-11-2019, 10:11 AM
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Originally Posted By Hutrapper⏩
Was about six years ago. Hes dead now...look what high interest rates do. lol
Chances are if he was sub prime he was making other questionable life choices
post 1583692261 07-11-2019, 10:17 AM
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Originally Posted By AWSbruh⏩
Again you're making excuses for financing a new car. There are plenty of reliable used cars in the 5-15K range. It's people like you that have a 500 dollar per month car payment and complain that they are barely getting ahead later in life. Imagine putting 500 per month in a conservative portfolio even though I would rather go aggressive in my 20s. You will probably be a millionaire before retirement age.
You'll never hear a word from me about not getting ahead. I live off grid, about as debt free as possible. More boats than I need, multiple ATVs and Snowmobiles, Waverunner. All later models, not financed. building a cabin/cottage at the moment, and have a decent woodshop/gym. Multiple traplines...fishin, huntin all the time and managing a seasonal construction company doing custom homes on the water at 33. Winters mostly off from work, ecause of ice, but we just bought a hovercraft, so maybe year round work in the future... Just bought another 3 acres because it made sense as land is running out here and prices are starting to rise. Building in five or so years once its paid off. Maybe sell it and do it again.

I make the best of what I have.

And then my wife says she wants a reliable vehicle for winter, etc... I keep her happy.


I get what your saying about reliable vehicles in that price range, I just found that till now I was spending the same, if not more annually to keep used vehicles on the road. I think you discredit what salt does to everything on a car. I would love to do a cost analysis based on the vehicles I have had vs this one and see, but if it was a huge difference I would have noticed by now. My salary hasn't changed much in three or four years, so now I find it is easier to figure out how much I spend on what. Before it was- surprise, the super duty needs in intake and exhaust manifold. I gave my old 06 or 07 saturn Vue (with 120000 km on it) to my dad last year. He put about 2000 into it since then before the body rotted out enough that the rear end was coming out of it. The part was not replaceable.
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post 1583692401 07-11-2019, 10:19 AM
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Originally Posted By Eatforgains⏩
Chances are if he was sub prime he was making other questionable life choices
He had a heart attack smokin a j. They found him with a huge grin on his face, cold dead.

Seriously though, the interest rate is a bit high.
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post 1583692591 07-11-2019, 10:23 AM
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If you have no credit score, you would not even have got accepted for finance for the car, so what makes you think you wouldn't get it for a mortgage, if u have no credit history but can prove your income and you can afford it should be no problems for the lenders tor refuse.
post 1583692711 07-11-2019, 10:25 AM
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Originally Posted By wasp9166⏩
holeeeeeeee f lol
You thinkthat'sbad? LOLOLOLOLOLOLOL

You've seen nothing.
I'm back, bitches!
post 1583693141 07-11-2019, 10:34 AM
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Originally Posted By StreetStandard⏩
If you have no credit score, you would not even have got accepted for finance for the car, so what makes you think you wouldn't get it for a mortgage, if u have no credit history but can prove your income and you can afford it should be no problems for the lenders tor refuse.
I didn't say I have no score.. I said low 6s
post 1583694501 07-11-2019, 10:52 AM
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I refuse to believe that any car salesman - no matter how long they been in the industry - makes $15,000 in a little over a month. With transitioning to a new dealership, there is some kind of ramp up training period you would go through. In fact, even if you got to your current dealership and immediately got on the sales floor, making even half of that is not believeable.

Your low credit at age 31 does not support someone making that kind of money. You aredelusional if you think you did even remotely well with a APR of 12%.

One thing I will agree with you is that the Fiesta ST is a fun car. But you fraudin about everything in this thread.
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post 1583695121 07-11-2019, 11:02 AM
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Originally Posted By Eatforgains⏩
I don't know what to tell you man.. Sales of any sort tends to pay more than your average 9-5
YeahOK.gif
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post 1583696151 07-11-2019, 11:16 AM
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Originally Posted By Eatforgains⏩
12.6
nice troll thread

Age:32
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post 1583696391 07-11-2019, 11:18 AM
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Originally Posted By StormRunner⏩
I refuse to believe that any car salesman - no matter how long they been in the industry - makes $15,000 in a little over a month. With transitioning to a new dealership, there is some kind of ramp up training period you would go through. In fact, even if you got to your current dealership and immediately got on the sales floor, making even half of that is not believeable.

Your low credit at age 31 does not support someone making that kind of money. You aredelusional if you think you did even remotely well with a APR of 12%.

One thing I will agree with you is that the Fiesta ST is a fun car. But you fraudin about everything in this thread.
You're entitled to believe whatever you want.
post 1583699521 07-11-2019, 12:06 PM
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Originally Posted By AWSbruh⏩
Buying a new car is stupid since they lose most of the value within 3 years. Buying a used car cash is a smarter investment
buying a used car financed at 1.9%, while continuing to have your money in the market earning >5% is actually the smarter investment.
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post 1583701461 07-11-2019, 12:35 PM
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Originally Posted By Jhalf⏩
buying a used car financed at 1.9%, while continuing to have your money in the market earning >5% is actually the smarter investment.
not if the car is 5-8K. Lol at people buying expensive cars
post 1583702371 07-11-2019, 12:48 PM
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Damn ya ****ed up, welcome to the slaves to debt crew.
post 1583703191 07-11-2019, 12:59 PM
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4 pages deep and not 1 single pic of this pile of shyt Fiesta?
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