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

post 1695866513 01-04-2024, 02:52 PM
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#61
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$0. Paid it off within 3 years and I've had it 5 years. Probs gonna keep it as long as I can.
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post 1695866733 01-04-2024, 02:59 PM
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Paid cash for all my vehicles.
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%
Yeah, but hindsight 20/20. We all know stocks should have dumped this year. You made the best decision that you felt at the time. I did the same thing. And that $80k could easily go down in the next year unless you took profits.
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post 1695867213 01-04-2024, 03:09 PM
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$0.

I have paid cash for every car I've owned.... Including my first car in HS which I think was like $1,500 used... But this was pre-clown times.
post 1695868313 01-04-2024, 03:32 PM
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Originally Posted By SipNPiz⏩
Car payments are for broke people. Even at 0% it has a -10% return due to depreciation, 0% is a cope.
Its not a negative return, a vehicle isn't an 'investment' in any way. Its an operating cost to facilitate earning an income at best, or a convenience/hobby you elect to pay for at worst.

Not learning how to be smart with credit or leverage keeps poor people broke, lenders will let you hang yourself with debt but there is a time to use other peoples money.
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post 1695868553 01-04-2024, 03:38 PM
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#65
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$0 I just am still driving the same car from when I was 18 lol
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post 1695868573 01-04-2024, 03:39 PM
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#66
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Originally Posted By Condo41⏩
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.
I get the sentiment, you can go crazy worrying about opportunity costs. The difference between the invested return on a few grand vs the $600 discount you get back day one is hardly worth worrying about.
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post 1695868623 01-04-2024, 03:40 PM
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#67
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$1500
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post 1695868793 01-04-2024, 03:42 PM
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#68
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$0.00

Never had a car payment.
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post 1695869243 01-04-2024, 03:52 PM
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#69
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Originally Posted By GerbilFarmer⏩
$0 I just am still driving the same car from when I was 18 lol
This is bad-ass.

I always think how cool it would have been to buy like a 2004 honda civic brand new as my first car, and to still be driving it today.... It would really be a cool story, bro.
post 1695870193 01-04-2024, 04:16 PM
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$0/month. Payment for the next car will be the same.
Save, buy in cash.
post 1695870293 01-04-2024, 04:17 PM
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Originally Posted By wickedman⏩
$1500
Interest rates are terrible
post 1695870643 01-04-2024, 04:23 PM
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#72
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Originally Posted By Reserrection⏩
When did you get 0% interest
Right before he suffered a massive depreciation loss by driving it off the new-car lot...
post 1695870693 01-04-2024, 04:24 PM
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#73
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No car payment.
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post 1695870823 01-04-2024, 04:25 PM
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#74
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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%
Nobody can guarantee or predict what the stock market will do in a future 3-year period. And without a car payment, it should've meant that much more investing.
post 1695870863 01-04-2024, 04:26 PM
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17 Tacoma $438 a month bought it at 129k miles fookk this economy
post 1695871103 01-04-2024, 04:28 PM
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#76
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If I have a car payment but a work car allowance covers it does that count?
post 1695871343 01-04-2024, 04:31 PM
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Originally Posted By nutsy54⏩
Right before he suffered a massive depreciation loss by driving it off the new-car lot...
Brootal
Originally Posted By Retoaded⏩
If I have a car payment but a work car allowance covers it does that count?
Not sure.. Do you get to keep the car if you leave?
Originally Posted By PShift5⏩
17 Tacoma $438 a month bought it at 129k miles fookk this economy
Damn you bought it recently?
post 1695871483 01-04-2024, 04:32 PM
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#78
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Originally Posted By Reserrection⏩
Brootal

Not sure.. Do you get to keep the car if you leave?


Damn you bought it recently?
Last month best deal I could get on a Taco my Corolla **** the bed
post 1695871643 01-04-2024, 04:35 PM
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Originally Posted By PShift5⏩
Last month best deal I could get on a Taco my Corolla **** the bed
Prices are brutal
post 1695877473 01-04-2024, 06:19 PM
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#80
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0 dollars
post 1695877903 01-04-2024, 06:26 PM
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#81
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bout 850 at 9.1%

chevy silverado with upgraded suspension and wheels package
post 1695879883 01-04-2024, 07:03 PM
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#82
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0....Save up...max out my trade value..Pay cash...then pay myself back like a had a 5 year bank note....at 5%
post 1695880023 01-04-2024, 07:06 PM
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$590

2017 Ford Fusion Sport.

Brand new off the lot.
post 1695880283 01-04-2024, 07:11 PM
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Originally Posted By Xgamer791⏩
$590

2017 Ford Fusion Sport.

Brand new off the lot.
Still making payments or paid off
post 1695880313 01-04-2024, 07:13 PM
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Originally Posted By Reserrection⏩
Still making payments or paid off
$6500 owed.
post 1695884953 01-04-2024, 08:51 PM
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#86
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$426/mo on a Camry. It’s a 2023. Got it back in May…. great on gas mileage but that lack of power tho :/ lol

honestly considering either a scat pack charger or if I can’t get a car with some power, just going back to a truck

I’m considering taking on a higher payment and maybe splurging a lil, but that’s only cuz I don’t have rent or a mortgage and the auto loan is literally my only debt…. My house is paid off

I feel like if I wanna splurge a lil on a car, it’s not really all that big of a deal considering the circumstances… obv wouldn’t consider it tho if I was paying on a place to stay
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post 1695885103 01-04-2024, 08:53 PM
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Originally Posted By nutsy54⏩
Right before he suffered a massive depreciation loss by driving it off the new-car lot...
Is this still applicable in today's car market? Seems like used cars 2-3 years old go for just as much as a new car.
post 1695885483 01-04-2024, 09:00 PM
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$0.
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post 1695885633 01-04-2024, 09:03 PM
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Originally Posted By nutsy54⏩
Nobody can guarantee or predict what the stock market will do in a future 3-year period. And without a car payment, it should've meant that much more investing.
Yeh good points made ITT to counter the idea that it wasn’t the best move

In the end, eliminating debt is never that bad of a move
post 1695886193 01-04-2024, 09:12 PM
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2019 Model 3P- $0
2022 Model YP- $749 @ 2.19%
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