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Questions About Financing New Vehicles

2253 messages,  Last post on Nov 18, 2009 at 12:07 PM

You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester

What is this discussion about? Car Financing


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#2227 of 2253
Re: Financing new car (not from the dealer) [yuppers213] by bhi
Sep 01, 2009 (7:15 pm)
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Replying to: yuppers213 (Aug 17, 2009 7:14 pm)

my wife and I recently purchased a car, I didn't stress too much over the interest rate tho, for a 20k 48 month loan the difference between 3.99% and 5% is around 9$ a month. Use one of the online payment calculators before you head to the dealer and see if the different interest rates make that big of a difference in monthly payment. I used the one at agcalc.com it lets you try a bunch of different rates, terms, etc. real easy to use.
#2228 of 2253
Re: Financing new car (not from the dealer) [bhi] by joel0622
Sep 03, 2009 (10:10 am)
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Replying to: bhi (Sep 01, 2009 7:15 pm)

Hey, nice spam
#2229 of 2253
Re: Financing new car (not from the dealer) [joel0622] by qbrozen
Sep 03, 2009 (10:57 am)
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Replying to: joel0622 (Sep 03, 2009 10:10 am)

I actually think that's a cool looking tool.
 
However, it doesn't reflect what the poster stated. The difference of 1% interest on a $20k/48-mo note shows up as $18/mo on that tool.
#2230 of 2253
Re: Financing new car (not from the dealer) [joel0622] by tidester HOST
Sep 03, 2009 (12:53 pm)
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Replying to: joel0622 (Sep 03, 2009 10:10 am)

Of course, our members already know about and use the Auto loan calculator at Edmunds.
 
tidester, host
SUVs and Smart Shopper
#2231 of 2253
Re: Financing new car (not from the dealer) [qbrozen] by joel0622
Sep 03, 2009 (2:04 pm)
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Replying to: qbrozen (Sep 03, 2009 10:57 am)

It is a cool little tool but my point being is that if I say. "I sell Ford Service Contracts, contact me through my email in my profile" My post will be deleted and I will get a email from one of our gracious host pointing out the error in my ways.
 
The fly by night one post wonder guys do a drive buy and there spam does not get deleted.
 
Thats it, I have learned one thing from my Edmunds friends. I am going to get a lawyer and sue, sue,sue.
#2232 of 2253
Re: Financing new car (not from the dealer) [joel0622] by qbrozen
Sep 03, 2009 (2:17 pm)
Reply

Replying to: joel0622 (Sep 03, 2009 2:04 pm)

Oh, I know. I typically call those folks out, too.
 
And, personally, I use bankrate's calculators, by the by. ;b
#2233 of 2253
Re: Financing new car (not from the dealer) [qbrozen] by grandtotal
Sep 03, 2009 (4:44 pm)
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Replying to: qbrozen (Sep 03, 2009 2:17 pm)

I don't think bhi is a spammer. Spammers typically post on a number of threads, not just one.
 
#2234 of 2253
Re: Financing new car (not from the dealer) [grandtotal] by bhi
Sep 04, 2009 (5:00 pm)
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Replying to: grandtotal (Sep 03, 2009 4:44 pm)

spam?
 
actually we used edmunds calculator for the final numbers before we signed the papers at the dealer (I dont really trust the dealers) the edmunds calc includes tax and stuff which is cool, the agcalc calculator is good for just quickly seeing the relative difference between different loans, etc.
 
I just checked it again and the difference between 20k for 48 months at 5% and 4% was $9/month - or did i screw something up?
#2235 of 2253
Re: Financing new car (not from the dealer) [bhi] by qbrozen
Sep 05, 2009 (6:55 pm)
Reply

Replying to: bhi (Sep 04, 2009 5:00 pm)

hmmm... maybe I did something wrong. Just checked again and you are correct.
#2236 of 2253
interesting. wonder if we'll see any victims? by kirstie_h HOST
Oct 21, 2009 (7:51 am)
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A high number of complaints about auto dealerships and predatory lending practices are causing several consumer groups to ask that the dealerships be watched by a potential new agency that would oversee consumer financial products.
 
Consumer Groups Want Dealerships to be Watched by Consumer Financial Protection Agency

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