2013 order surprise....

XwChriswX · 04-12-2012, 08:24 PM

Quote:

Originally Posted by Lemers

She sounds like she's just starting out so she may not have much craft history and they may require a cosigner. I personally believe in already having a loan guaranteed from a bank before I go in. Then see what they offer.

This is what I'm trying to figure out. If she could go for Pentagon Federal Credit Union...

Lemers · 04-12-2012, 08:27 PM

Pentagon has low rates. What surprised me was I got a lower rate from my own credit union through the dealer than I did straight from them.

SaraJewell · 04-12-2012, 08:42 PM

Quote:

Originally Posted by Lemers

She sounds like she's just starting out so she may not have much craft history and they may require a cosigner. I personally believe in already having a loan guaranteed from a bank before I go in. Then see what they offer.

that is a smart idea. and yeah i am kinda just starting out but considering i have a few credit cards which i have never ever been late on and i paid a 33K student government loan off in 1 year should help. like i said that is smart though

Lemers · 04-12-2012, 08:44 PM

Are you trading a vehicle too?

Pauly · 04-12-2012, 08:46 PM

about the neon, it knows its days are numbered. little things may start going wrong since it knows you are getting a new car lol. seems like everytime i was getting ready to trade, the car i currently drove started falling apart just to spite me!

Rui Z · 04-12-2012, 08:56 PM

Nissan 370Z Incentives and Rebates

Nissan has incentives for the 2012 370Z right now. If you can get the 0% rate, then it's better to go with the least amount of down payment. Use that money to invest in stocks or CDs instead.

SaraJewell · 04-12-2012, 09:34 PM

Quote:

Originally Posted by Rui Z

Nissan 370Z Incentives and Rebates

Nissan has incentives for the 2012 370Z right now. If you can get the 0% rate, then it's better to go with the least amount of down payment. Use that money to invest in stocks or CDs instead.

i thought this 0% financing thing ended april 4th?

LakeShow · 04-12-2012, 09:46 PM

I believe it's April 30th.

Rui Z · 04-12-2012, 09:59 PM

Quote:

Originally Posted by SaraJewell

i thought this 0% financing thing ended april 4th?

It's Nissan's way of making you panic and think 'I have to buy now cuz this awesome promotion is ending!'. But then they just start the same promotion once the old one expires. This is for a 2012 only though, so more incentive for you to get the 2012 over the 2013.

juicypinkkk · 04-12-2012, 10:04 PM

Although I like the idea of "putting down small down payment" for 0 % financing, investing in stocks might not be the best risk alternative. =P (Unless of course, you have a friend whos willing to sell you 100 shares of apple stock for 500 bucks) =D

Rui Z · 04-12-2012, 10:04 PM

BTW if you haven't already done so, you should contact one of the forum vendors who will give you a good price and try to find the car nationally for you.

Rui Z · 04-12-2012, 10:07 PM

Quote:

Originally Posted by juicypinkkk

Although I like the idea of "putting down small down payment" for 0 % financing, investing in stocks might not be the best risk alternative. =P

Don't be scared of stocks. If you do your homework and don't get greedy, you will do alot better with stocks than a CD or bond.

juicypinkkk · 04-12-2012, 10:17 PM

^ yeah of course, I agree its possible.. the hardest part for most people is controlling greed. Stocks are riskier hence can provide higher return. It's kind of like Deal or no Deal tbh, its not that hard to make a buck but its hard not to want more.

It's kind of ironic actually, as a financial analyst I am against stock trading personally. LOL

SaraJewell · 04-12-2012, 10:42 PM

Quote:

Originally Posted by Rui Z

BTW if you haven't already done so, you should contact one of the forum vendors who will give you a good price and try to find the car nationally for you.

oh yes i forgot to ask about this, how do i find one on here? i am still getting used to this forum

Hawk6 · 04-12-2012, 10:44 PM

And now back to the car issue. Sara I know your profession and I know how lucrative it is. If the car is not too much (IMO more than 3G over your other price) your really not going to pay that much more in your payment. Your talking a car that cost damn near as much as some homes do now. Trust me I am sure all of us that have fully loaded not base models have had the same thought run through our heads. If the person you have been working with really REALLY is working for you and not just his commission he will explain to you the honest payment diff vs the one you found and the one that "he" ordered. Once he does and he should if he/she is truely honest, I do not think you are really gonna see that huge of a diff in payment like I said... Minus his commission of course, just remember that k. You love that style, model, color seats... yes? Do it you deserve it babydoll and like I said, with what you do...duh you can pay that thing off in a year, year in a half if you want. Do it you deserve it and trust me you will be happier than you know!

04-12-2012, 08:27 PM	#107 (permalink)
Lemers A True Z Fanatic Join Date: Mar 2010 Location: Izmir, Turkey Posts: 15,371 Drives: 2012 Traverse LTZ Rep Power: 52	Pentagon has low rates. What surprised me was I got a lower rate from my own credit union through the dealer than I did straight from them. __________________ 2010 Black Cherry Touring/Sport/Nav Now - 2012 Travese LTZ until I leave for Turkey

04-12-2012, 08:44 PM	#109 (permalink)
Lemers A True Z Fanatic Join Date: Mar 2010 Location: Izmir, Turkey Posts: 15,371 Drives: 2012 Traverse LTZ Rep Power: 52	Are you trading a vehicle too? __________________ 2010 Black Cherry Touring/Sport/Nav Now - 2012 Travese LTZ until I leave for Turkey

04-12-2012, 08:46 PM	#110 (permalink)
Pauly Track Member Join Date: Feb 2012 Location: Lafayette, La Posts: 645 Drives: and parks Rep Power: 14	about the neon, it knows its days are numbered. little things may start going wrong since it knows you are getting a new car lol. seems like everytime i was getting ready to trade, the car i currently drove started falling apart just to spite me! __________________ Gun Metallic 2012 370 Z 7AT

04-12-2012, 08:56 PM	#111 (permalink)
Rui Z Track Member Join Date: Feb 2010 Location: (.)(.) Posts: 931 Drives: 8====D Rep Power: 16	Nissan 370Z Incentives and Rebates Nissan has incentives for the 2012 370Z right now. If you can get the 0% rate, then it's better to go with the least amount of down payment. Use that money to invest in stocks or CDs instead. __________________

04-12-2012, 09:46 PM	#113 (permalink)
LakeShow A True Z Fanatic Join Date: Dec 2010 Location: L.I., NY Posts: 5,307 Drives: Everything Rep Power: 25	I believe it's April 30th. __________________ \|2013 Audi S4\|Ibis White/Black\|S-Tronic P+\| \|2013 370z\|PearlWhite/Persimmon\|Touring/Sport/Nav\|F.I. CBE 18" CF\| \|Sold\|2011 370z\|Gun Metallic\|Touring/Sport/Nav\|

04-12-2012, 10:04 PM	#115 (permalink)
juicypinkkk Base Member Join Date: Jun 2011 Location: Toronto, ON Posts: 162 Drives: 2012 Sprt 6MT 370z Rep Power: 14	Although I like the idea of "putting down small down payment" for 0 % financing, investing in stocks might not be the best risk alternative. =P (Unless of course, you have a friend whos willing to sell you 100 shares of apple stock for 500 bucks) =D

04-12-2012, 10:04 PM	#116 (permalink)
Rui Z Track Member Join Date: Feb 2010 Location: (.)(.) Posts: 931 Drives: 8====D Rep Power: 16	BTW if you haven't already done so, you should contact one of the forum vendors who will give you a good price and try to find the car nationally for you. __________________

04-12-2012, 10:17 PM	#118 (permalink)
juicypinkkk Base Member Join Date: Jun 2011 Location: Toronto, ON Posts: 162 Drives: 2012 Sprt 6MT 370z Rep Power: 14	^ yeah of course, I agree its possible.. the hardest part for most people is controlling greed. Stocks are riskier hence can provide higher return. It's kind of like Deal or no Deal tbh, its not that hard to make a buck but its hard not to want more. It's kind of ironic actually, as a financial analyst I am against stock trading personally. LOL

04-12-2012, 10:44 PM	#120 (permalink)
Hawk6 Base Member Join Date: Feb 2012 Location: Vero Beach, Fl Posts: 125 Drives: 2012 370Z Blk Cherry Rep Power: 13	And now back to the car issue. Sara I know your profession and I know how lucrative it is. If the car is not too much (IMO more than 3G over your other price) your really not going to pay that much more in your payment. Your talking a car that cost damn near as much as some homes do now. Trust me I am sure all of us that have fully loaded not base models have had the same thought run through our heads. If the person you have been working with really REALLY is working for you and not just his commission he will explain to you the honest payment diff vs the one you found and the one that "he" ordered. Once he does and he should if he/she is truely honest, I do not think you are really gonna see that huge of a diff in payment like I said... Minus his commission of course, just remember that k. You love that style, model, color seats... yes? Do it you deserve it babydoll and like I said, with what you do...duh you can pay that thing off in a year, year in a half if you want. Do it you deserve it and trust me you will be happier than you know!

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