What are your monthly payments?

mnz · 11-18-2013, 11:41 PM

I got $450 a month with 6 years at 2.54% interest.
Car paid at $37500 ( with tax and shipping and documentation fees)
Down payment of $8000

synolimit · 11-18-2013, 11:42 PM

Quote:

Originally Posted by 122554

Don't know if they charged or not, nothing ever said to me. When I sat down to make the dealer I was asked how I would be paying. Handed them the card, they ran it, bank called me, DEAL DONE! Charge came through at the agreed price.

But I'm sure they up sold the car. The fee is there no matter what! No business in the universe would sell something and lose money. If you paid by CC and the fee was say $1000, then you paid $1000 more than what you could have paid. It may not be so black and white because a dealer will make money on hold back, kick backs, inventory volume, incentives to push a car, rebates etc etc you'll never see or know about. Unless your dad or something owns the dealership and pulls out all stops we'll never no a true price. And then it's still different for dealers with different volumes.

122554 · 11-18-2013, 11:57 PM

Quote:

Originally Posted by Mark1010

Not that I doubt you but my friend tried to buy his 13 Elantra and was told no. Did you have to speak to Visa beforehand or anything?

Quote:

Originally Posted by synolimit

My old job would charge 3% on anything over $2000 since all credit card charges come with a 3% fee to the dealer. Any points you'd get would be pointless if paying $750-1350 extra on a car.

Quote:

Originally Posted by Ghostvette

Don't all credit cards charge a fee? Or did I miss something along the way?

Quote:

Originally Posted by b15

Yes, but it's dependent on the business if they pass it along. I charged $10,000 last year for a payment on the venue for my wedding because I wanted the reward points. No charges.

Quote:

Originally Posted by theDreamer

Yes they do, but many places that do not typically accept CC or see little to no CC transactions will usually remove the cost and then charge the customer per transaction.
My university does this, tuition is X price but if you pay by CC they add an additional 3% to cover any CC fees.

Quote:

Originally Posted by synolimit

But I'm sure they up sold the car. The fee is there no matter what! No business in the universe would sell something and lose money. If you paid by CC and the fee was say $1000, then you paid $1000 more than what you could have paid. It may not be so black and white because a dealer will make money on hold back, kick backs, inventory volume, incentives to push a car, rebates etc etc you'll never see or know about. Unless your dad or something owns the dealership and pulls out all stops we'll never no a true price. And then it's still different for dealers with different volumes.

Nope, you be wrong! Negotiated the price over the phone. Told them it was a cash deal. Gave them the CC. Got the car for the price.

But in retrospect, she was cute. Perhaps she swallowed it!

Fantastic Z · 01-04-2014, 01:23 PM

I'll share my deal with you all.

I traded my 03 G35 w/140k in at Nissan. They gave me 5k for it, I owed 8k, I put 5k down and 3k obviously went to pay off the rest. The other 2k went toward my downpayment on the Z.

$380 month /72 months
$24k financed at 4.9%

I plan to pay it off in 3 years. Making payments in large chunks. 3-5k when I can.

Niche79 · 01-04-2014, 01:27 PM

Bought my 09 for 23.5 plus TTL.
Put down 3k cash.
Payments at 419 for 5 years. at 3.3% interest or very close! I have paid extra on it here and there but were more worried about extra on our home first!

MMC Racing · 01-04-2014, 01:36 PM

Negotiated price was $40,400 on a MSRP of $44something
0% for 60 months
Payment is $673
$0 Down (I did pay TT&L separately)

Drakonis GTR · 01-04-2014, 01:56 PM

Monthly = $372 (72 months)
APR = 3.5%
Total = $24k
Money Down = $4k (trade in of Nissan Versa with a year to go on note)
Location = Central Florida

Again, my info skews the run because I bought my Z used, as opposed to a lot of people who drive it new off the lot. I generally prefer to buy used, that way I'm not really missing out on much, and I avoid the initial value hit that all cars have going off the lot.

And yeah, 72 months is a long time, but it lets me have the nice low payment (which, by the way, is only $12 more a month then my initial payments for the Versa). But, like a lot of people on here, I throw extra money at it every month to help beat down the principle.

genesis2012 · 01-07-2014, 02:49 PM

Paid 26K + TTL for my 11' Sport

Paid a little too much, but I had a trade-in + I paid off the remaining.

srbrubak · 01-08-2014, 02:02 PM

I took out a 60 month loan with a $350 a month payment. Got tired of making the payment and just payed my loan off after 2 years.

MeetZed · 01-08-2014, 03:31 PM

2013 Touring AT (<10 miles):

Price: $32,000

$0 Down, 0% interest.

$589/month.

Gotta love great credit!

Wolfenstein · 01-08-2014, 03:52 PM

2013 Nismo (fully loaded)

Price: $44k
Down: $3k
Interest: 7%

Monthly: $850

I could have negotiated a better price but f*ck it, I was excited to get the car. I bought the car knowing that I was getting a bonus from work this winter so the extra interest was worth getting it a season early. Now I am going to refinance and put $10k down on it.

birdmanx1 · 01-08-2014, 03:59 PM

Own it. Purchased at Bruce Bennett, CT

diz330 · 01-08-2014, 10:02 PM

Sorry guys but this thread just re-instates my assumptions on 'muuricans.
3k down on a 45k car? I could not sleep at night if I did that. Maybe it's the way I was raised by my parents but I don't buy something unless I can buy it outright (exception of a house of course). I would much rather wait a year or two and save up the money. I guess there is a benefit of living in the moment and pretending to "have" money. Impresses the neighbours, girls, etc. Sure you can tell me I could die tomorrow and never get to experience these things but I personally can't justify it.

I shake my head when I see a for sale thread with a car with 10k in mods and the seller states he has a loan on the car...

JAYNO20 · 01-08-2014, 10:23 PM

Monthly Payment: $429 (3.2% APR, 60mo.)706 Credit score
Money Down: $5000
Price Paid: $32500 (Nismo)
Location: PA

winnre · 01-08-2014, 10:44 PM

Quote:

Originally Posted by diz330

Sorry guys but this thread just re-instates my assumptions on 'muuricans.
3k down on a 45k car? I could not sleep at night if I did that. Maybe it's the way I was raised by my parents but I don't buy something unless I can buy it outright (exception of a house of course). I would much rather wait a year or two and save up the money. I guess there is a benefit of living in the moment and pretending to "have" money. Impresses the neighbours, girls, etc. Sure you can tell me I could die tomorrow and never get to experience these things but I personally can't justify it.

I shake my head when I see a for sale thread with a car with 10k in mods and the seller states he has a loan on the car...

I guess it is a cultural thing. If you own a car with payments for 5 years and owe $10,000 on it and it is worth $8,000 you can sell it to a dealer who will usually sell you a new car and put the extra $2000 on TOP of the loan, so you end up with a $42,000 loan on a $40k car.

View Poll Results: How much are your monthly payments
$0 -- I own it!	57	22.18%
$200 to $249	3	1.17%
$250 to $299	6	2.33%
$300 to $349	18	7.00%
$350 to $399	19	7.39%
$400 to $449	34	13.23%
$450 to $499	33	12.84%
$500 to $549	27	10.51%
$550 to $599	17	6.61%
$600+	43	16.73%
Voters: 257. You may not vote on this poll

01-04-2014, 01:23 PM	#139 (permalink)
Fantastic Z Base Member Join Date: Sep 2013 Location: Nashville, TN Age: 35 Posts: 197 Drives: 10' T/S 7AT Rep Power: 12	I'll share my deal with you all. I traded my 03 G35 w/140k in at Nissan. They gave me 5k for it, I owed 8k, I put 5k down and 3k obviously went to pay off the rest. The other 2k went toward my downpayment on the Z. $380 month /72 months $24k financed at 4.9% I plan to pay it off in 3 years. Making payments in large chunks. 3-5k when I can. __________________ Rays GramLights 57Fxx BM w/red centers-Michelin Pilot Sport tires-Motordyne CBE-Nismo red calipers-Z1 (SS lines/Slotted rotors)-Motul fluids-Whiteline diff bushings-Redline fluids-JDM fog lamp-GTR start button-Optima Yellow Top-EVO-R B pillars-Custom GPS mount

01-04-2014, 01:27 PM	#140 (permalink)
Niche79 Track Member Join Date: Jan 2010 Location: Kissimmee, FL Posts: 900 Drives: '09 SR Tour/Sprt/Nav Rep Power: 36	Bought my 09 for 23.5 plus TTL. Put down 3k cash. Payments at 419 for 5 years. at 3.3% interest or very close! I have paid extra on it here and there but were more worried about extra on our home first! __________________ 2009 370z Solid Red Touring/Sport/Navigation/Illuminated sills/LED interior lights Red/LED plate lights White/ Evo R fog light in Red/Stillen G3 intakes/ Fast Intentions Exhaust with 18" Resonators/ Rays Gramlights 57fxx/ Swift Springs/ Fast Intentions Resonated Test Pipes. NST SUCKS DONT ORDER

01-04-2014, 01:36 PM	#141 (permalink)
MMC Racing Track Member Join Date: Jun 2009 Location: San Diego Posts: 661 Drives: 2015 GT-R Rep Power: 17	Negotiated price was $40,400 on a MSRP of $44something 0% for 60 months Payment is $673 $0 Down (I did pay TT&L separately) __________________ 2014 F150 Raptor, 2014 Mazda 3, 2015 Nissan GT-R

01-04-2014, 01:56 PM	#142 (permalink)
Drakonis GTR Base Member Join Date: Dec 2012 Location: Orlando, FL Posts: 154 Drives: 09' 370Z B/S Rd M6 Rep Power: 12	Monthly = $372 (72 months) APR = 3.5% Total = $24k Money Down = $4k (trade in of Nissan Versa with a year to go on note) Location = Central Florida Again, my info skews the run because I bought my Z used, as opposed to a lot of people who drive it new off the lot. I generally prefer to buy used, that way I'm not really missing out on much, and I avoid the initial value hit that all cars have going off the lot. And yeah, 72 months is a long time, but it lets me have the nice low payment (which, by the way, is only $12 more a month then my initial payments for the Versa). But, like a lot of people on here, I throw extra money at it every month to help beat down the principle. __________________ 2009 Nissan 370Z Base w/ Sport Package F.I . LTHs with Non-Resonated Cat-back exhaust (C.F.) / Stillen Gen3 CAI / Up-Rev Tune

11-18-2013, 11:41 PM	#136 (permalink)
mnz Base Member Join Date: Oct 2013 Location: minnesota Posts: 144 Drives: 2013 370Z Nismo Rep Power: 12	I got $450 a month with 6 years at 2.54% interest. Car paid at $37500 ( with tax and shipping and documentation fees) Down payment of $8000

01-07-2014, 02:49 PM	#143 (permalink)
genesis2012 Enthusiast Member Join Date: Mar 2013 Location: Orange County Posts: 275 Drives: BS Sport Rep Power: 12	Paid 26K + TTL for my 11' Sport Paid a little too much, but I had a trade-in + I paid off the remaining.

01-08-2014, 02:02 PM	#144 (permalink)
srbrubak Base Member Join Date: Nov 2010 Location: Cedar Rapids, Iowa Posts: 144 Drives: 2010 370Z Blue 6MT Rep Power: 14	I took out a 60 month loan with a $350 a month payment. Got tired of making the payment and just payed my loan off after 2 years.

01-08-2014, 03:31 PM	#145 (permalink)
MeetZed Base Member Join Date: Aug 2013 Location: Dallas texas Posts: 6 Drives: '13 370z Pearl 7AT Rep Power: 12	2013 Touring AT (<10 miles): Price: $32,000 $0 Down, 0% interest. $589/month. Gotta love great credit! onzedge and Leadfoot like this.

01-08-2014, 03:52 PM	#146 (permalink)
Wolfenstein Base Member Join Date: Jun 2013 Location: Cleveland Posts: 221 Drives: '13 Nismo \| '14 WRX Rep Power: 12	2013 Nismo (fully loaded) Price: $44k Down: $3k Interest: 7% Monthly: $850 I could have negotiated a better price but f*ck it, I was excited to get the car. I bought the car knowing that I was getting a bonus from work this winter so the extra interest was worth getting it a season early. Now I am going to refinance and put $10k down on it. Leadfoot likes this.

01-08-2014, 03:59 PM	#147 (permalink)
birdmanx1 A True Z Fanatic Join Date: Jun 2010 Location: Baltimore, MD Age: 95 Posts: 3,175 Drives: 370z Nismo Rep Power: 24	Own it. Purchased at Bruce Bennett, CT Leadfoot likes this. __________________ 370Z NISMO #0462 \| ClearBra \| 3M tint \| Head/Taillights \| Dynamat \| Black Roof \| Tommy Kaira HB \| CF Parts \| Berk HFCs \| FI SS \| NST Pulleys \| Takeda aFe \| K&N \| H&R Spacers \| Swift Spec R \| SPC F&R \| Zuperman M370 Nismo Vid \| Nismo Journal \| Nismo Rumble

01-08-2014, 10:02 PM	#148 (permalink)
diz330 Base Member Join Date: Jul 2013 Location: toronto Posts: 41 Drives: 40th 370 Rep Power: 12	Sorry guys but this thread just re-instates my assumptions on 'muuricans. 3k down on a 45k car? I could not sleep at night if I did that. Maybe it's the way I was raised by my parents but I don't buy something unless I can buy it outright (exception of a house of course). I would much rather wait a year or two and save up the money. I guess there is a benefit of living in the moment and pretending to "have" money. Impresses the neighbours, girls, etc. Sure you can tell me I could die tomorrow and never get to experience these things but I personally can't justify it. I shake my head when I see a for sale thread with a car with 10k in mods and the seller states he has a loan on the car... Niche79 and Leadfoot like this.

01-08-2014, 10:23 PM	#149 (permalink)
JAYNO20 Track Member Join Date: Mar 2012 Location: Pittsburgh, PA Posts: 802 Drives: 2010 370Z Nismo Rep Power: 14	Monthly Payment: $429 (3.2% APR, 60mo.)706 Credit score Money Down: $5000 Price Paid: $32500 (Nismo) Location: PA __________________ 2010 Solid Red NISMO #0334 - SOLD 2014 Red Hot Camaro ZL1

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