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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 1461246563 09-07-2016, 11:41 PM
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#1
  1. LinuxJon
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Insured a lady today who financed $60k on a 2017 Toyota Tacoma

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 1461247033 09-07-2016, 11:46 PM
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I agree that Toyota are priced outrageous... There is a reason why Toyota is the number 1 car manufacturer in the world. Besides that that truck will not lose much of it value when she decides to get a different vehicle later down the road.
post 1461247063 09-07-2016, 11:46 PM
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Adulting done right
post 1461247183 09-07-2016, 11:47 PM
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You could get 1.5 loaded USED F-150's or Ram's for that. A brand new loaded one is going to easily exceed 50k.
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post 1461247223 09-07-2016, 11:47 PM
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  1. LinuxJon
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Originally Posted By RedBeard777⏩
I agree that Toyota are priced outrageous... There is a reason why Toyota is the number 1 car manufacturer in the world. Besides that that truck will not lose much of it value when she decides to get a different vehicle later down the road.
But... The base model Tacoma is $24k. I can get a V6 double cab for like $32k. WTF $15k in options did she pick?
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post 1461247433 09-07-2016, 11:51 PM
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the **** do you need a truck for in california?

to move all your cats from one apartment to the next?
post 1461247543 09-07-2016, 11:52 PM
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Originally Posted By LinuxJon⏩
But... The base model Tacoma is $24k. I can get a V6 double cab for like $32k. WTF $15k in options did she pick?
She must of gotten the top of the line fully loaded.... I know for sure they run around 60k in Fl. They are quite popular down here.
post 1461247563 09-07-2016, 11:52 PM
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only lease cars crew

just lol at dropping loads on a down payment when once you drive off the lot, it goes to chit.

srs
Look, i know i don't really know you and all, and i know you probably hear this like everyday, but your just so perfect to me. The few hours we talked were really great even if the convo was stale, your really pretty and chill, and your country thats just perfect :'D i really dont know how to explain it, but i think i have feelings for you somehow. i never felt like this with someone i just met, but i felt the need to get it off my chest. sorry for being all weird just idk how to explain it D:
post 1461247743 09-07-2016, 11:55 PM
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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.
I like the tuna here.
post 1461247983 09-07-2016, 11:59 PM
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so they think they trading in their old car but actually adding on the balance owed to the price of the new purchase.
One more Rep!! Yea!
[]D [] []v[] []D
post 1461248173 09-08-2016, 12:05 AM
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Sounds like a winner to me
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post 1461248633 09-08-2016, 12:11 AM
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that truck is never gonna expire though it's good for at least another 20 years.
:/
post 1461248823 09-08-2016, 12:14 AM
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at least she got a good truck
post 1461249033 09-08-2016, 12:17 AM
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Once it's off the lot it's categorized as used.
Most cars will last if maintained. Even longer if they have meant to last quality parts.
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post 1461249813 09-08-2016, 12:29 AM
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Originally Posted By LinuxJon⏩
But... The base model Tacoma is $24k. I can get a V6 double cab for like $32k. WTF $15k in options did she pick?
My boyo just bought a top of the line Tundra that "starts" at 30K, for over 50K. Not everybody lives like a peasant.
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post 1461249933 09-08-2016, 12:30 AM
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Over 1 trillion in auto debt in America already surpassed student loan debt. The bubble will pop soon mark my words

$833 a month just in principle Jesus people are ****ing stupid as ****
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post 1461256393 09-08-2016, 02:27 AM
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She'll get tired of the truck in 2.5 years, be too far in the hole, then blow her whole Christmas bonus on getting herself out of negative equity to be back where she started and never ahead.
post 1461256673 09-08-2016, 02:32 AM
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My uncle financed a 50K truck + negative equity on previous car, mind you this guy lives in a small apt with 3 other people.


I tried to be nice to him and tell him he's a loser for doing that, might as well get a nice apt if you're gonna pay $800 a month on a truck.
post 1461256793 09-08-2016, 02:36 AM
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OP i found this rare picture of you xoxo



hehe

On topic thou, apparently the essentially the same thing that caused the 2008 crash in the housing market is being used in the auto financing world to a large extent now, under the assumptions that the auto financing market will not crash - and that even if it did it is not large enough to bring down the american economy with it -let alone the world...
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post 1461256853 09-08-2016, 02:38 AM
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Absolutely blows my mind that people willingly accept a $500+ car payment for 6-7 years. Like, Thats just crazy. Even more crazy when people are renting apartments and chit doing that.
I like the tuna here.
post 1461256953 09-08-2016, 02:40 AM
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Real sht... what's the actual invoice on a 2017 Honda Civic Touring? I'm gonna buy one for UberX,
post 1461256983 09-08-2016, 02:40 AM
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It's good that there are people like this. Because of their constant need for a new, expensive vehicle, a guy can easily make 170-200k/ year selling their old cars, even if they're only 27.
*Wish I was dead crew*
post 1461257073 09-08-2016, 02:42 AM
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Originally Posted By WSG1⏩
Absolutely blows my mind that people willingly accept a $500+ car payment for 6-7 years. Like, Thats just crazy. Even more crazy when people are renting apartments and chit doing that.
some parts of the country it's too expensive to own a home. it's outrageous where i live.
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post 1461257293 09-08-2016, 02:47 AM
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Originally Posted By SippinDaTech⏩
some parts of the country it's too expensive to own a home. it's outrageous where i live.
No it's not, people just have too much car payment.
post 1461257713 09-08-2016, 02:54 AM
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lmao I went in to a Toyota dealership last week to talk about Tacoma's and the lady was telling me the 2017's are only listed for $1000 more than the 2016s and I'm like u wot
post 1461258063 09-08-2016, 03:00 AM
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post 1461258633 09-08-2016, 03:11 AM
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Originally Posted By SipNPiz⏩
Over 1 trillion in auto debt in America already surpassed student loan debt. The bubble will pop soon mark my words

$833 a month just in principle Jesus people are ****ing stupid as ****
are u kidding me amurica??+


what do I short? Automobile USA index?
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post 1461258803 09-08-2016, 03:15 AM
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Originally Posted By Tornach⏩
If you can't buy something in cash then don't buy it
Good luck with your first property purchase mate.
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post 1461262043 09-08-2016, 04:23 AM
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Originally Posted By SitchNoHomo⏩
are u kidding me amurica??+


what do I short? Automobile USA index?
lold

http://thefederalist.com/2016/04/04/...t-loan-bubble/

cliffs

increased surveillance of vehicles liable to default belonging to sub prime owners
increased negative equity in cars (didn't even know this was a thing)
new car values will sooner or later plummet, large layoffs in US car industry

interdasting
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post 1461262673 09-08-2016, 04:35 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 F150or Ram 1500 trucks for that. Wtf.
sheeeit sticker on an F150 Platinum around here is $63K
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