Hey all, I recently graduated from college and got a job offered that pays $48k a year with a 12k signing bonus so the first thought that came to mind is to get a new 2010 370Z. I'm looking to buy a touring and possibly sport also with 6 speed manual with navigation ( ~$37k or ~$40k with tax and title without the sports package).
I plan to put down $10k leaving me to finance ~$30k.
Here is the situation. I only have one credit card that i've used for the past two years so i figure I dont have that much credit to go on. I went to Experian to check my score with their vantage score sytem and it came out to be 782 on a scale of 501-990. Based on your experience what APR should I expect to get (before I actually head to a dealer or bank to get an exact number)???. I'm also looking to probably cosign with a family member since I have little credit to go on but I would much rather not cosign. Also at the age of 23 turning 24 in 2 months what insurance rates should I expect to pay??
Additionally should I wait and work a couple of months at my job to see how things are going and get myself financially stable before I put myself in debt with the car or should I buy it now. I have really wanted a Z since forever so its really tempting to get it now.
I know all of this is a mouthful. I would really appreciate any advice, insights and comment you all may have. Thanks
