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Honda Civic Prices Paid and Buying Experience

9208 messages,  Last post on Dec 04, 2009 at 11:38 AM

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What is this discussion about? Honda Civic CRX, Honda Civic, Honda Civic del Sol, Coupe, Hatchback, Sedan

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#782 of 9208 re: gregarious1 by gregarious1 Jan 11, 2004 (12:03 pm)
The car is a Civic Coupe and the actual selling price is $16,700, sales tax is 6% ($990), tag+title+registration = $180. As I said I had to leave before the finance department gave the final word. So I estimate that the APR to be between 6%-8.5%. I guess that this would be good, since I only have a credit history of less than 3 years but other than that it is good. I couldn't get a loan from the credit union for more than $2000 so I don't think they are an option. As for for a cosigner with good credit that is highly unlikely for me.
#783 of 9208 Re: gregarious1 by bd21 Jan 11, 2004 (12:43 pm)
Your figures are still off. The true invoice of the EX Civic coupe automatic including destination is $16,629. The dealer is selling you the car for $16,700 which is reasonable, but others are paying less than invoice right now, because Honda has a $400 to $1000 incentive though 1 Mar 04 to its dealers based on volume. If you can tap into that, you should be able to get it under invoice. If your tax is 6% on $16,700 that equals $1002 (state tax) plus your $180 for the tag & title for a grand total of $17,882 OTD, based on the figures you have listed. Use this link to figure up what your real payments should be based on your actual APR and number of months financed http://www.interest.com/hugh/calc/missing.cgi I took your $17,882 price, subtracted $5000 for the down payment, which left $12,882 to finance and came up with the following numbers for you. I used 8.5% APR, which translates to $317.52 monthly for 4 years, 264.29 for 5 years, and $229.02 a month for 6 years. Make sure they don't try to hide in life insurance or GAP insurance in your payments. Good luck!
#785 of 9208 Re: gregarious1 by gregarious1 Jan 11, 2004 (2:12 pm)
Thanks alot. I will continue to search for a better deal.
#786 of 9208 04 Civic Lx by tofun2 Jan 12, 2004 (10:24 am)
I helped my cousin to deal and buy a new 04 LX yesterday, 1/11. We paid 14900 with the dealer's alarm option (cost 350), plus tax and licences fee. Is it a good deal? We got it at Norm Reeves in S Cal. Thanks every one.
#788 of 9208 2004 DX purchase by nerdx Jan 12, 2004 (8:30 pm)
Spare me the tightwad comments. We bought our first civic dx 5spd and picking it up tomorrow. the TMV is listed at 12,750. We negotiated for 12,550...with a CD player. Nothing else - no air, power, etc. Any comments?
#790 of 9208 Re What a deal!/ uamazeme by bd21 Jan 13, 2004 (5:14 pm)
Since you didn't buy the car yourself, you are making your statements based on your friends word. Of course I'm sure your friend wouldn't exaggerate, right. You gave us no details on the deal like the 2004 Civic LX 4 door with automatic transmission, mileage on car and no assessories added on. Trade(what and how much) or no trade involved. Also, the selling price was $ including destination and the dealer's processing fee. State Tax, tittle and registration don't count, because they very state to state and everyone has to pay them. Now with all of this information and the city, state and dealer the car was purchased, we would truly know what kind of deal you are trying to tell us about. We like to learn and share from these posts and that's how we can do it. Please follow up with the information, so we can all share it. Thanks!
#791 of 9208 RE Re What a deal!/ uamazeme by bd21 Jan 13, 2004 (8:39 pm)
Also, Honda has not offered 1.9% APR on Civics in a long time. They did have 2.9%, but that ended at the very beginning of Jan 04. Honda has NO special low financing rates on Civics right now, so if the dealer gave your friend one, it was made up and you can bet they definetly made the discount back up somewhere else in the deal. I suspect your friend paid a whole lot more than was bargained for and probably more than invoice. When you get the facts let us know.

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