Last post on Sep 06, 2013 at 3:11 PM
You are in the Jeep Wrangler
What is this discussion about?
Jeep Wrangler, SUV
#5124 of 23397 monthly payments comments ( or maybe a love letter to my Jeep)
Apr 09, 2002 (8:44 am)
I think the most important questions you should ask yourself when financing a car is "Can I stand to make payments on this thing for the next few years? Am I still going to like this car in two years? How about three years?"
Most people I know finance their cars for four to five years. The cardinal rule of financing is "you shall not payments on a car you dislike." That what was the ultimate swaying point for me when I bought my TJ new in March 1998. I ordered it with the options I wanted, the colors I wanted, and took out a five-year loan. After my trade-in, I had to finance around $11,500. This kept my monthly payments at $220, which was managable.
I ended up paying it off more than a year ahead of schedule, and now that I have the title I can still say this: I love this car. There are somethings that annoy me about it (mostly the noise and poor gas mileage) but I love how it looks, I love driving it around with the top down, I love that I can handle nearly any BLM or USFS "road" when I am out in the wild. I maintain it religiously (oil change every 3000 miles, all other fluids every 20,000 miles) and it has given me over four years and 40,000 miles of almost perfect service.
I recommend caution here on the board when new people post questions asking if they should get a Wrangler, because I think they need to know some of the downsides to this vehicle. Fact is, though, that I love this Jeep and never hated making payments on it. I've paid it off and have no desire to get rid of it. How many vehicles can you say that about, especially in this price range?
Apr 09, 2002 (10:43 am)
Do i have to wait till I recieve the recall before I take TAZZ to the dealer? Or, can i just take it now with the recall #?
Deb..be glad to email ya copy of sticker & invoice..no prob...
I agree with saharagal..go to jeep.com figure out what you want with everything..figure out payments..then start dropping exta options u could live without..I would try to get the largest downpayment u can..that will get those payments lower..
i always pay $20.00 more on my payment..that will help on the end.
Keep Us posted
Apr 09, 2002 (11:36 am)
Congrats on having enough discipline to pay your '98 off early. We're still paying for our '98, and won't have much chance to pay it off early. Our first major repair was the exhaust manifold.
I love your rule about not making payments on a car you can't stand. We're in that position. We bought (and financed) that Y2K Taco now sitting in the driveway because I haven't bothered to take it to get it fixed (suspect possible partial radiator blockage). At the time we bought it we had planned on keeping it for 10 years, like our Nissan. However, there is a great deal of comfort difference between an '88 Nissan Hardbody and a '00 Tacoma. Our Wrangler will probably stay with us that long, unless we decide to trade it in on another Wrangler sometime - I plan on always having a Wrangler as long as our life style stays the same.
I agree that the Wrangler isn't for everyone, and have often posted here about the many drawbacks to it (gas mileage, poor handling in the wind, steering too quick for safe handling at high speeds, bouncy suspension, especially over expansion joints on certain freeways). On the other hand, I'd rather pay the extra gas (15 gallons rather than 10 gallons every 2 days), and have a longer commute due to slower speeds than put up with the Taco.
Anyone buying a car should be really sure that what they are buying is what they want. No one wants to be in my shoes - I'm on the wrong side of the note on the Taco (owe more than its worth) and will probably end up either having to buy a new car for considerably over what it would normally go for to make up the difference or taking out another type of loan to pay off the difference. That is a horrible position to be in, and I'm just about desperate enough to take the plunge to get rid of the Taco.
Apr 09, 2002 (12:19 pm)
Be sure to check out the Edmunds "car buying" web pages before taking the plunge. I did that on my last car and was surprised to see some of the dealers doing exactly what Edmunds predicted they would do (namely sell by payment rather than overall price). It pays to go into this informed and thereby more confident.
Good luck. I have to wait until August and I am still trying to find out what, if anything, is going to change on the '03 TJ.
#5128 of 23397 Selling by payments...
Apr 09, 2002 (6:42 pm)
The worst offer I had was a dealership that offered to lease me a vehicle for the payments I said I was looking for. They wanted me to sign the lease papers with just the monthly payment and they would do the rest of the paperwork. I knew nothing about leases or how they worked, since buying is really the only practical option for me. So I insisted that they fill out the paperwork before I would consider anything. The starting price turned out to be $3500 over MSRP - not dealer's invoice, but sticker price. Needless to say I walked out and I'll never go back to that dealership! It is too bad that many people fall for these things. If they didn't, car dealers wouldn't offer them.
#5129 of 23397 payments
Apr 10, 2002 (3:56 am)
I have a vehicle now that I will still be enjoying immensely when I write the check for that 60th payment! I think most people in here are aware of my history of trading vehicles way too often. That's how I ended up $8000 upside down on trade-in when I bought Thelma Jane.
I have owned Thelma for 15 months now and I enjoy her as much as I did on day one! And maybe the best days are yet to come, since I will be doing some mods as I get the money to do them. Mods are a whole lot cheaper than trading vehicles! At least you pay for them as you go and you don't just keep getting deeper in debt all the time.
I am trying to remember the last vehicle that I kept for as long as 15 months. Let's see, the 2000 Grand Prix GT was 8 months (bought new), the '99 Grand Cherokee Laredo was 13 months (bought new), the '95 Explorer was 14 months (bought used), the '94 Z28... you get the picture.
I LOVE MY JEEP! Yeeeeeeehawwwwwwwwww!!!!!!
Have you hugged your Jeep today?
Apr 10, 2002 (5:16 am)
I'm glad I'm not the only one that has done those things. We used to go through cars often - we never kept one more than 3 years. Not because we didn't like them but there always seemed to be a reason to get something new (like you can't haul a horse trailer with a motorcycle...). The Nissan broke that mold, and the Wrangler continues the trend. If it weren't for our (hated) Tacoma I wouldn't be car shopping.
Just as a general thing - Wranglers are polarizing. You either love them or hate them. All of the people I know who have bought one love them. I can't think of anyone who I've met who actually bought one and didn't like it. Normally those people either never look at them to begin with, or else they figure out quickly when they test drive them that they can't live with the drawbacks.
And that's a good thing - at least a Wrangler doesn't try to be something it isn't, like a number of other cars I could name...
#5131 of 23397 hard top help
Apr 11, 2002 (6:38 am)
Does anyone have a good idea about storing/lifting the hard top when not in use?
#5132 of 23397 another hard top question
Apr 11, 2002 (7:07 am)
Does anyone know if they will fit through a standard door?
I have room in the cellar for storing the hard top, but will need to get it through a door.
Otherwise, it is out in the back yard on some logs.
#5133 of 23397 Recall letter
Apr 11, 2002 (4:00 pm)
Got a letter today explaining the ignition switch recall in my '01 Wrangler, took it down to the dealer and they ordered a replacement. I suppose I probably shouldn't drive in the rain with the top down until it gets fixed! I also talked my way into opening an account with their Parts department so I can get a discount on any parts or accessories. I just won't pay list price for parts at the same place that sold me 3 vehicles for way below invoice. I haven't posted in a while, so here's an update on my quest to "Just Empty Every Pocket". She now wears a set of Pro Comp 31x10.50-15 All Terrain tires on Weld Sidewinder 15x8 wheels, and a Ramsey Pro Plus 8000 winch with sport bar mounting kit is resting comfortably on the front bumper. Yes, I love my Jeep, and it shows! tjray