What are your monthly payments?

MarcusMIA · 03-25-2009, 03:48 PM

I was wondering because dealers are always shady when they add extra fees and sometimes they don't remove them and there are a lot of numbers that they move around and you have to catch.

I'd like to get an idea of the payments depending on the price that you got the car for. Just post in this format, I guess:

I'm assuming most vehicles here are financed to own.

Monthly Payment:
Money Down:
Price Paid:
Location:

Any other info like dealer fees help, too.

Thanks.

ZzzZz · 03-25-2009, 04:26 PM

Monthly Payment: $488 (4.09% APR, 60mo.) Thank you Think Bank! https://www.thinkbank.com/rates/loan_rates.html

Money Down: $5000
Price Paid: $31000
Location: Fresno, CA

The car was $29200 + TTL. I was using approximate numbers for my down and price paid since I don't remember, but the monthly payment is accurate.

MarcusMIA · 03-25-2009, 04:39 PM

Quote:

Originally Posted by ZzzZz

Monthly Payment: $488 (4.09% APR, 60mo.)
Money Down: $5000
Price Paid: $31000
Location: Fresno, CA

Wah? Wow? That actually sounds pretty nice...

EDIT: The reason that number surprised me, now after I put them down on a calculator at Edmunds, was that it came up at $528. How so?

GT-R man · 03-25-2009, 06:13 PM

Quote:

Originally Posted by MarcusMIA

Wah? Wow? That actually sounds pretty nice...

EDIT: The reason that number surprised me, now after I put them down on a calculator at Edmunds, was that it came up at $528. How so?

No sales tax or registration fees... thats the only way he got that

GT-R man · 03-25-2009, 06:17 PM

Marcus just make sure you punch the numbers at home of what you think u qualify for.. pick out how much you want to put down, for how long and interst rate to the price you agreed to buy the car for... then there shouldnt be any catches when you go to the dealer..dont forget your tax rate if you think something is fishy just ask the sales person to explaing the numbers

takimbe · 03-25-2009, 10:26 PM

Monthly Payment: $432 (4.75% APR, 72mo.)
Money Down: $7500
Price Paid: $34520 (with TTL and shipping/8.75% tax because I dont get it until april

)
Location: Orange County, CA

MarcusMIA · 03-26-2009, 12:07 AM

I see some ridiculously appealing numbers...

molamann · 03-26-2009, 10:06 AM

Monthly Payment: $679 ((5.99% APR, 48mo.)770 Credit score but 22 years old so it don't even matter

)
Money Down: $14000
Price Paid: $43000 (Touring + Nav + Full accessories + warranties)
Location: Oklahoma City, OK

G RAM · 03-26-2009, 12:23 PM

Monthly Payment: $734 ((3.99% APR, 60mo.)816 Credit score
Money Down: $0
Price Paid: $39300 est.(invoice+tax+) (Touring + Nav +Sport+splash+carpet )
Location: NNJ

BurntGauge · 03-26-2009, 12:27 PM

Did you guys go through Nissan of America for financing?

molamann · 03-26-2009, 12:31 PM

I got flat out rejected by Nissan so I'm currently through USAA(military exclusive bank)

bluzman · 03-26-2009, 05:49 PM

Quote:

Originally Posted by takimbe

Monthly Payment: $432 (4.75% APR, 72mo.)
Money Down: $7500
Price Paid: $34520 (with TTL and shipping/8.75% tax because I dont get it until april

)
Location: Orange County, CA

72 month loan for a car?? Yikes

MarcusMIA · 03-26-2009, 11:44 PM

Quote:

Originally Posted by bluzman

72 month loan for a car?? Yikes

Wow, I missed that part. lol

MightyBobo · 03-27-2009, 01:10 AM

Quote:

Originally Posted by bluzman

72 month loan for a car?? Yikes

Its just the best way for some people...as long as the rate is sub-5%, I wont knock it.

takimbe · 03-27-2009, 03:14 AM

yeah, I am just planning ahead and using it as a 'just in case' measure. The payments are low, but I didnt mention that I was also going to be paying 1000/month, plus 5k+ of my bonus every March.

If something unforseen does happen in terms of my employment, I wont be paying a ridiculous payment and a 72 month loan allows me to have lower payments and still afford to live and ride out anything that comes my way.

Again, I dont anticipate anything happening with my job, given the amount of work and length of my current contracts. And if that is the way it is, then I will pay off the car in a little over 24 months, maybe even less, and probably end up paying less interest than most of you out there.

I definitely would have gotten a shorter loan (48-60), or just straight waited on getting it, if the interest rate was above 5%, but like one of you said, its sub-5%, so it doesnt bother me. I did this before when I bought my truck back in High School and paid off the entire car (12500) in 6 months doing web work (thank god for the emergence of the internet back then).

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

03-25-2009, 03:48 PM	#1 (permalink)
MarcusMIA Base Member Join Date: Mar 2009 Location: Cap Hill, Seattle, WA Posts: 71 Drives: '14 370Z Blk MT Rep Power: 16	What are your monthly payments? I was wondering because dealers are always shady when they add extra fees and sometimes they don't remove them and there are a lot of numbers that they move around and you have to catch. I'd like to get an idea of the payments depending on the price that you got the car for. Just post in this format, I guess: I'm assuming most vehicles here are financed to own. Monthly Payment: Money Down: Price Paid: Location: Any other info like dealer fees help, too. Thanks.

03-25-2009, 04:26 PM	#2 (permalink)
ZzzZz Base Member Join Date: Jan 2009 Location: SoCal Posts: 125 Drives: PG370, MT Rep Power: 16	Monthly Payment: $488 (4.09% APR, 60mo.) Thank you Think Bank! https://www.thinkbank.com/rates/loan_rates.html Money Down: $5000 Price Paid: $31000 Location: Fresno, CA The car was $29200 + TTL. I was using approximate numbers for my down and price paid since I don't remember, but the monthly payment is accurate. Last edited by ZzzZz; 03-26-2009 at 01:15 PM.

03-26-2009, 12:27 PM	#10 (permalink)
BurntGauge Base Member Join Date: Mar 2009 Location: FLORIDA Posts: 81 Drives: '06 VW GTI 6MT Rep Power: 291	Did you guys go through Nissan of America for financing? __________________ Yours truly, Gabriel

03-27-2009, 03:14 AM	#15 (permalink)
takimbe Base Member Join Date: Feb 2009 Location: San Diego, CA Posts: 223 Drives: 09' PG 370Z w/SP Rep Power: 264	yeah, I am just planning ahead and using it as a 'just in case' measure. The payments are low, but I didnt mention that I was also going to be paying 1000/month, plus 5k+ of my bonus every March. If something unforseen does happen in terms of my employment, I wont be paying a ridiculous payment and a 72 month loan allows me to have lower payments and still afford to live and ride out anything that comes my way. Again, I dont anticipate anything happening with my job, given the amount of work and length of my current contracts. And if that is the way it is, then I will pay off the car in a little over 24 months, maybe even less, and probably end up paying less interest than most of you out there. I definitely would have gotten a shorter loan (48-60), or just straight waited on getting it, if the interest rate was above 5%, but like one of you said, its sub-5%, so it doesnt bother me. I did this before when I bought my truck back in High School and paid off the entire car (12500) in 6 months doing web work (thank god for the emergence of the internet back then). Last edited by takimbe; 03-27-2009 at 03:18 AM.

03-25-2009, 06:17 PM	#5 (permalink)
GT-R man Base Member Join Date: Jan 2009 Location: la Posts: 38 Drives: 08 camry Rep Power: 0	Marcus just make sure you punch the numbers at home of what you think u qualify for.. pick out how much you want to put down, for how long and interst rate to the price you agreed to buy the car for... then there shouldnt be any catches when you go to the dealer..dont forget your tax rate if you think something is fishy just ask the sales person to explaing the numbers

03-25-2009, 10:26 PM	#6 (permalink)
takimbe Base Member Join Date: Feb 2009 Location: San Diego, CA Posts: 223 Drives: 09' PG 370Z w/SP Rep Power: 264	Monthly Payment: $432 (4.75% APR, 72mo.) Money Down: $7500 Price Paid: $34520 (with TTL and shipping/8.75% tax because I dont get it until april ) Location: Orange County, CA

03-26-2009, 12:07 AM	#7 (permalink)
MarcusMIA Base Member Join Date: Mar 2009 Location: Cap Hill, Seattle, WA Posts: 71 Drives: '14 370Z Blk MT Rep Power: 16	I see some ridiculously appealing numbers...

03-26-2009, 10:06 AM	#8 (permalink)
molamann A True Z Fanatic Join Date: Jan 2009 Location: Los Angeles Posts: 1,666 Drives: 370Z with NAVVVVV Rep Power: 284	Monthly Payment: $679 ((5.99% APR, 48mo.)770 Credit score but 22 years old so it don't even matter ) Money Down: $14000 Price Paid: $43000 (Touring + Nav + Full accessories + warranties) Location: Oklahoma City, OK

03-26-2009, 12:23 PM	#9 (permalink)
G RAM Base Member Join Date: Feb 2009 Location: NJ Posts: 14 Drives: between cars Rep Power: 16	Monthly Payment: $734 ((3.99% APR, 60mo.)816 Credit score Money Down: $0 Price Paid: $39300 est.(invoice+tax+) (Touring + Nav +Sport+splash+carpet ) Location: NNJ

03-26-2009, 12:31 PM	#11 (permalink)
molamann A True Z Fanatic Join Date: Jan 2009 Location: Los Angeles Posts: 1,666 Drives: 370Z with NAVVVVV Rep Power: 284	I got flat out rejected by Nissan so I'm currently through USAA(military exclusive bank)

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