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Forum » What's your car payment
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Thread: What's your car payment

post 1695860353 01-04-2024, 12:52 PM
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Why would anyone have paid cash for a car back when rates were 1.9%?

Hur dur let me pull 50k out of the market in 2020 to buy a car cash and lose out on 10k investment gains just to save a couple hundred in interest.
post 1695860503 01-04-2024, 12:54 PM
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#32
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$1350/mo on a 2022 explorer, short amortization on 1.9% financing.

Last of the low interest deals before rates went bananas.


edit: wizard ^^^
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post 1695860613 01-04-2024, 12:56 PM
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2021 chevy silverado - 550/mo
Lets Go Brandon
Pureblood
post 1695860983 01-04-2024, 01:02 PM
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Originally Posted By Sevenlionz⏩
2023 Lamborghini Urus - $0

2022 911 GT3 - $0

2024 Ram TRX - $0

Lol @ plebs with a car payment
The urus is a reskinned audi q7. No thanks. I looked into that and found the F Pace as a better fun suv but chose safety in volvo.
Life is easy when you take personal responsibility
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post 1695861103 01-04-2024, 01:05 PM
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Originally Posted By Reserrection⏩
Everyone saying $0 is either driving a '93 civic or a baller apparently
My truck is a 2018 I just payed it off early ya geek
post 1695861253 01-04-2024, 01:09 PM
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#36
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Originally Posted By metroins⏩
The urus is a reskinned audi q7. No thanks. I looked into that and found the F Pace as a better fun suv but chose safety in volvo.
And a Huracan is a "just" a R8.

Lol @ saying anything when you drive the biggest cuck cars known to man.
post 1695861303 01-04-2024, 01:10 PM
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#37
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Originally Posted By metroins⏩
The urus is a reskinned audi q7. No thanks. I looked into that and found the F Pace as a better fun suv but chose safety in volvo.
Have heard great things about Volvos. Do you like the Macan?
post 1695861793 01-04-2024, 01:20 PM
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#38
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I own 3 vehicles....paid cash for 2 of them.....the 3rd is financed at 0% for 60 and I've got about $15k left on it. Payment is $660/month

Insurance is $320/month for all 3......Completely ridiculous.
post 1695861823 01-04-2024, 01:20 PM
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#39
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$0. Bought in 2019, paid off this year
***** R.I.P Timothy J. Mckenny or Frvrmuscle as you know him *****

Workout log: herp derp
post 1695861993 01-04-2024, 01:23 PM
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#40
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Originally Posted By ispy⏩
nice



is that a lease?
No.
I loe e.
post 1695862043 01-04-2024, 01:25 PM
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Originally Posted By Redfish225⏩
No.
Did you put 10k down
post 1695862103 01-04-2024, 01:26 PM
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#42
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2021 Ram 1500

Payment was $600/mo. I paid it off late last year though

Now I have no savings left
post 1695862233 01-04-2024, 01:29 PM
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Originally Posted By bsmit107⏩
I own 3 vehicles....paid cash for 2 of them.....the 3rd is financed at 0% for 60 and I've got about $15k left on it. Payment is $660/month

Insurance is $320/month for all 3......Completely ridiculous.
When did you get 0% interest

Mirin
Originally Posted By baldbrah⏩
Why would anyone have paid cash for a car back when rates were 1.9%?

Hur dur let me pull 50k out of the market in 2020 to buy a car cash and lose out on 10k investment gains just to save a couple hundred in interest.
Exactly
post 1695862253 01-04-2024, 01:30 PM
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Originally Posted By Witherman⏩
2021 chevy silverado - 550/mo
Not bad
Originally Posted By engj⏩
$1350/mo on a 2022 explorer, short amortization on 1.9% financing.

Last of the low interest deals before rates went bananas.


edit: wizard ^^^
How many months

$1350 is crazy high
Originally Posted By stevebec⏩
2022 Silverado -$880

Got 0% for 48 months so absolutely no incentive to put anything down or pay it off early while I've got the cash sitting at 5%.
Damn
Originally Posted By TheDude8734⏩
$400/month for my truck though I'm paying it off this year
Not bad
Originally Posted By Visel⏩
$0.

Bought a '18 Camry LE for $19k in 2019. Paid off in 6 months, think the interest was only $1k or so.

Now 5 years later, still driving it. I WFH so some days I don't even drive at all. I think the odometer is around 35k miles give or take 1k.

The next car I buy will be the new gen 9 Camry probably. But I want to get a house/condo first. I think 2026 I might trade in my '18 and pick up a '25 or '26, using cash for the difference.
Geez
post 1695862693 01-04-2024, 01:39 PM
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#45
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zero

2018 Frontier

Plan to drive until the wheels fall off. Car payments kill investment potential. Could have been buying VTI/VOO
post 1695862803 01-04-2024, 01:41 PM
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Originally Posted By Airror⏩
$0. Bought in 2019, paid off this year
Yeah i guess if you bought a few years ago it makes sense to be paid off
Originally Posted By MetroBrah⏩
zero

2018 Frontier

Plan to drive until the wheels fall off. Car payments kill investment potential. Could have been buying VTI/VOO
True
post 1695862993 01-04-2024, 01:44 PM
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#47
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Originally Posted By Reserrection⏩
Did you put 10k down
6k.
I loe e.
post 1695863193 01-04-2024, 01:50 PM
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#48
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Originally Posted By BalognaNbeans⏩
$0.
This.
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post 1695863673 01-04-2024, 02:00 PM
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#49
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Never had a car payment and the whole argument of “but why pay cash when I could keep the $50k invested” is BS most people don’t even have $1k to their name let alone $50k. Car payments are for broke people. Even at 0% it has a -10% return due to depreciation, 0% is a cope.
STEM Wagie Brah
Oil/commodity based trader
post 1695863743 01-04-2024, 02:02 PM
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Originally Posted By SipNPiz⏩
Never had a car payment and the whole argument of “but why pay cash when I could keep the $50k invested” is BS most people don’t even have $1k to their name let alone $50k. Car payments are for broke people. Even at 0% it has a -10% return due to depreciation, 0% is a cope.
How would you not have cash to invest when you pay cash for a car and say car payments are for broke people?
post 1695864423 01-04-2024, 02:10 PM
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Like $1300
post 1695865023 01-04-2024, 02:23 PM
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#52
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Originally Posted By Reserrection⏩
How many months

$1350 is crazy high
Down payment and 36 months on the rest, shortest term they'd give with the 1.9 rate.

Keep in mind that's Canadian dollars, the ST Explorer stickered around $75k up here.
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post 1695865143 01-04-2024, 02:26 PM
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#53
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Paying off a car early is one of the bigger money-losing moves I've made, though it was good for mitigating risk at the time

I threw $14k at a car loan back in 2020 when the pandemic hit. If I did with that $14k exactly what I did with the rest of my money at the time in the stock market, it would be worth like $80k today rather than saving like 3%
post 1695865213 01-04-2024, 02:27 PM
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#54
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Originally Posted By baldbrah⏩
Why would anyone have paid cash for a car back when rates were 1.9%?

Hur dur let me pull 50k out of the market in 2020 to buy a car cash and lose out on 10k investment gains just to save a couple hundred in interest.
I don't believe in the APR/APY strategy I think it's a trap.

In fact I have a cashiers check on my desk for $6K I'm about to give to the orthodontist to save $400 by paying in full up front vs taking a 25 month no interest payment plan.

I know the math. I'm doing it anyway, I hate debt.
post 1695865243 01-04-2024, 02:29 PM
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#55
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Originally Posted By Destor⏩
Paying off a car early is one of the bigger money-losing moves I've made, though it was good for mitigating risk at the time

I threw $14k at a car loan back in 2020 when the pandemic hit. If I did with that $14k exactly what I did with the rest of my money at the time in the stock market, it would be worth like $80k today rather than saving like 3%
Opportunity cost is also opportunity gain until it happens bro. I sold a bitcoin at $12K to pay off my car. While it's rough in hind sight, I don't hate the decision because debt eats your soul.
post 1695865433 01-04-2024, 02:33 PM
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#56
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Originally Posted By Condo41⏩
Opportunity cost is also opportunity gain until it happens bro. I sold a bitcoin at $12K to pay off my car. While it's rough in hind sight, I don't hate the decision because debt eats your soul.
Yeah I don't regret the move per se and wasn't 100% sure about income at the time with COVID so it made sense, but I'm not eager to throw extra money at other debt anytime soon
post 1695865533 01-04-2024, 02:34 PM
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#57
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Originally Posted By SipNPiz⏩
Never had a car payment and the whole argument of “but why pay cash when I could keep the $50k invested” is BS most people don’t even have $1k to their name let alone $50k. Car payments are for broke people. Even at 0% it has a -10% return due to depreciation, 0% is a cope.
Paying cash at 0% has a fixed -10% return because it depreciates whether you pay cash or not. Mine started at -5%, since the money is sitting in an account at 5%, and as I slowly pay it off it ramps up to -10% on the payoff date.
"Bones heal, pain is temporary, and chicks dig scars" - Evel Knievel
post 1695865633 01-04-2024, 02:36 PM
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#58
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Originally Posted By BalognaNbeans⏩
$0.
Howdy B....

Likewise.

We bit the bullet for a new Toyota Tacoma TRD (6 speed/6 cylinder @ 27K out the door) back in 2005 with all the extras of bed liner, alarm, dash/seat coversand kept up impeccable maintenance.
"Impeccable" maintenance on our vehicles is an imperative to get the most out of the 5-6 years of maybe 300+ monthly payments.
Only 98K miles and I'm glad we used that logic back then.

Holy shvt....I have no clue at what monumental price point of the Tundra (V8) is these days.

Back to it.
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post 1695865723 01-04-2024, 02:38 PM
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#59
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Originally Posted By stevebec⏩
Paying cash at 0% has a fixed -10% return because it depreciates whether you pay cash or not. Mine started at -5%, since the money is sitting in an account at 5%, and as I slowly pay it off it ramps up to -10% on the payoff date.
I agree, a $50k car is dumb af loan or not. Every broke person I know wouldn’t be broke if they didn’t have an auto loan(s). There are derps driving $50k cars and $100k trucks making 30k and 60k respectively
STEM Wagie Brah
Oil/commodity based trader
post 1695865843 01-04-2024, 02:40 PM
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Originally Posted By Destor⏩
Paying off a car early is one of the bigger money-losing moves I've made, though it was good for mitigating risk at the time

I threw $14k at a car loan back in 2020 when the pandemic hit. If I did with that $14k exactly what I did with the rest of my money at the time in the stock market, it would be worth like $80k today rather than saving like 3%
Damn
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