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TheRealSy90
12-01-2016, 02:57 PM
So I've been eyeing this red 2008 HR 350z Enthusiast model at the local mazda dealership. It's got 71k miles and change. The dealer listed it for 17k recently which is WAY over the blue book on this car. I'm assuming I'd be able to get it at a lower price than that, maybe 13k? I've never owned a new car or made payments on a car as I've always bought older cars in cash since I can typically maintain them myself. However I've always wanted a 350z and since I could afford the 2-300 payment a month it's been tempting me for weeks. I currently daily drive an auto 92 coupe and it's boring me to death.


I know the concentric slave cylinder is the main big issue with these, so I'd probably end up ordering the upgraded Z Speed kit for it. But aside from that i'll most likely keep it as stock as possible until it's payed off. Do you guys think this is a decent daily driver car for my first time doing payments on something? Should I just keep driving my daily 240 until I saved up enough to buy a 350z in cash?


If I do get one it's gotta be an HR, I won't mess with the DE or RevUp models.

spooled240
12-01-2016, 03:09 PM
The only way I'd get it is if:
-I held a stable job making decent money
-I didn't have any other debt (credit cards, student loans)
-I didn't have to commute too far for work. That thing will guzzle gas.
-I could get a low interest rate (under 5%, pref. 3.5%)

e1_griego
12-01-2016, 03:15 PM
If you can afford it (and can get it for a good price that you're comfortable with) then go for it.

I was always really anti car payment but I've had one for the last year and it's totally workable and fine. I bought a (shitty/slow/zomgitsucks) BRZ private party in August of last year. It's basically just my autocross car as I rarely drive it to work, but I like having it :)

Hit up your local credit union -- I got 1.9% interest.

LockOn!
12-01-2016, 03:17 PM
I had one last year and agree on your assessment between HR and the other models. Looks like you've also done research into the clutch thing, I too had the part waiting on the shelf for if I broke mine.

Frankly it was one of the best cars I've ever owned. Took a beating and kept on ticking. Comfortable, fun, looks decent.

THAT BEING SAID

1. It was so impractical, that I literally went out and bought a 97 Impreza wagon to do things like transport wheels and tires, get groceries, and do anything other then drive myself around and do sweet burn outs. Nothing sucked more then only being able to transport two wheels to the track with the rest in a friends car.

2. Their values are plummeting like a rock. I bought mine mid 2014 with 78K for around 17K, put 5K in parts on it, enjoyed it, moved it back to stock and traded it in for a value of around 13K. Not to terrible considering it had some love marks from the track. You will loose more value on this thing then a honda or BMW or something else, considering your going to be borrowing to pick it up.

BUT I did just watch two recently sell with comparable Mods to mine, on CL for around 11k. Soooo basically in two years, these things have dropped to the tune of 5-10k in value depending on the model and modifications.


All said and done, I now have a BMW Wagon I make payments on, and an S14 I beat on. Much happier now.

e1_griego
12-01-2016, 03:19 PM
I agree, I saw one a few weeks ago for $11k (prob the same one you saw, Alex) and it was REAL tempting.

LockOn!
12-01-2016, 03:24 PM
Yeah, the silver one right?

Stance coils, wheels, some other nick nacks, basically like my black one minus the KAAZ diff, 80k miles for 11k.

Dealz city.

MJenkins1101
12-01-2016, 03:26 PM
There is nothing wrong with financing a car. However, there is absolutely, without question, something wrong with beating on a financed car. If you want the Z to baby it to and from work, and build the coupe to beat on, then for it. But do not beat on something that you can end up having to pay for while it sits in your garage colleting dust.

LockOn!
12-01-2016, 03:30 PM
^^^

This is me brappin' my financed 350z. Definitely one of the most ignorant things I've ever done haha.

I thought I would be satisfied with 4 events a year. But sure enough, I did like 4 in 3 months and found myself in a train at PARC. Got sandwiched and was like "lol, looks like a need another S-chassis", de-modded, and traded it in. God forbid I rolled it into the bog and owed stacks on a totaled car. Scaaaary shit.

https://scontent-sea1-1.xx.fbcdn.net/v/t1.0-9/10404307_976771182385469_2451807380386263362_n.jpg ?oh=24df1d7f890230a793eb04386963047b&oe=58AE342F

https://scontent-sea1-1.xx.fbcdn.net/v/t1.0-9/11222637_10205912028587291_7361441276146195321_n.j pg?oh=70a4e9f3b1b530ce6bd4737a57ffb74b&oe=58B9B648



God damn it I have NO self control.

e1_griego
12-01-2016, 03:36 PM
I would never drift a financed car, and I won't take my financed car on track, but absolutely autocross the hell out of it. It's a little worse for wear, but oh well.

TheRealSy90
12-01-2016, 03:38 PM
Thanks for all the input guys, I didn't think I'd get this much so quickly I appreciate that. I've got an appointment to go look at the car today, I just have to not let them strong arm me into it and take my time. I'm really curious if it's had the slave cylinder replaced recently, how many owners it's had, and if it has documented maintenance.


The only way I'd get it is if:
-I held a stable job making decent money
-I didn't have any other debt (credit cards, student loans)
-I didn't have to commute too far for work. That thing will guzzle gas.
-I could get a low interest rate (under 5%, pref. 3.5%)


I have decent consistent pay currently. Nothing crazy but more than 2x the minimum wage here. Basically after my rent and bills, I've got 3/4 of my monthly income left. Of course some goes to food/gas/etc though.
I don't owe any other debt that I know of, I've never had a credit card or loan before, that being said I probably don't have the best credit because of this. My only "debt" is my track 240 that I just dump money into and still need to purchase some things to be finished lol.
I currently commute about 29 miles to and from work, about 30 minutes of driving each way.
I'm considering switching my bank from Chase to Navy Federal Credit Union as I've heard they offer low interest rates. However I'm not sure if they're going to want to give me the loan as soon as I join them, or if i'll have to wait a while.


There is nothing wrong with financing a car. However, there is absolutely, without question, something wrong with beating on a financed car. If you want the Z to baby it to and from work, and build the coupe to beat on, then for it. But do not beat on something that you can end up having to pay for while it sits in your garage colleting dust.

I don't really have plans to or want to "beat on" the car. Of course I'm going to stretch it's legs here and there like getting on the highway or something, but I'd want to take care of it.


I actually have a second 240 coupe that I've had since 2008 that is my drift/track car and has an uncountable amount of money dumped in it lol (built sr, z trans, wheels, aem infinity etc). The coupe that I currently daily drive I got in February of this year, and now I'm thinking why the hell do I own two of them?

spooled240
12-01-2016, 03:49 PM
Thanks for all the input guys, I didn't think I'd get this much so quickly I appreciate that. I've got an appointment to go look at the car today, I just have to not let them strong arm me into it and take my time. I'm really curious if it's had the slave cylinder replaced recently, how many owners it's had, and if it has documented maintenance.





I have decent consistent pay currently. Nothing crazy but more than 2x the minimum wage here. Basically after my rent and bills, I've got 3/4 of my monthly income left. Of course some goes to food/gas/etc though.
I don't owe any other debt that I know of, I've never had a credit card or loan before, that being said I probably don't have the best credit because of this. My only "debt" is my track 240 that I just dump money into and still need to purchase some things to be finished lol.
I currently commute about 29 miles to and from work, about 30 minutes of driving each way.
I'm considering switching my bank from Chase to Navy Federal Credit Union as I've heard they offer low interest rates. However I'm not sure if they're going to want to give me the loan as soon as I join them, or if i'll have to wait a while.

Definitely go through the credit union, especially if you don't have much credit. I financed a FD rx-7 4-5 years ago through navy fed and they loaned me the money as soon as I joined. I think my APR was 2.9%

future
12-01-2016, 03:55 PM
I have a really clean one I'd sale for way less then 17k and it is bolt on with a tune plus suspension

enkei2k
12-01-2016, 05:38 PM
I don't owe any other debt that I know of, I've never had a credit card or loan before, that being said I probably don't have the best credit because of this.

First question, and most important: How much money do you plan on putting as a down payment on the car?

Because you don't have credit, you most likely won't get approved for a car note, unless you put a significant amount down (maybe 40-60%? If not more)

And even if you did, the interest rate would be so high, you wouldn't want the car. That 300 monthly payment comes out to about 400-500 after interest rates...not looking that cheap.

Also, another thing to consider is insurance. Because you are financing a car, you will need full coverage insurance (comprehensive and liability) which will double your insurance rates. And because it's an older car, 2 doors, 2 seats, it's expensive. I'm paying about $850 for 6 months full coverage on my Z right now.

You definitely need to have credit first before even thinking about financing a car. Build up your credit first (would take a few years...I built my credit up for about 5 years before financing a 370Z with 0% APR)

I've purchased my car new so I did lots of research...oh and I have experience working in a car dealership :)

TheRealSy90
12-01-2016, 06:33 PM
So yeah, went and looked at it. It runs and drives great, but the paint and body hasn't been taken great care of. And since I don't have a credit score I need a co-signer to get the loan through the dealership. So I guess no 350z for me. My next option is to join Navy Fed and see if they will loan me the money.

Dent in the fender and roof, scratches in the door and rear fender, chips all over Hood. And this weird different shades of paint between the bumper, gas door, and the trim going over the side windows is darker. But they said never been crashed or painted.

http://uploads.tapatalk-cdn.com/20161202/4dca414642d467058785606e95469c70.jpg
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http://uploads.tapatalk-cdn.com/20161202/c2afcd65ab35c4ec980099fc16d1fd8d.jpghttp://uploads.tapatalk-cdn.com/20161202/14d5caa0df1cafffda3b43d634262c99.jpg


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e1_griego
12-01-2016, 06:45 PM
I'd pass on that anyway.

LockOn!
12-01-2016, 06:56 PM
17k? wow Gtfo

TheRealSy90
12-01-2016, 07:00 PM
They have it on their website for 15. I think I could have gotten it for 13 if I had credit. The guy said my score is literally 0...
Guess I need to get a credit card and use it.


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[240sx]
12-01-2016, 07:03 PM
So yeah, went and looked at it. It runs and drives great...
How did you like driving the Z, compared to the S-chassis?


Sent from my SM-G930P

TheRealSy90
12-01-2016, 07:12 PM
;6141618']How did you like driving the Z, compared to the S-chassis?


Sent from my SM-G930P



I love it. Rpm's kind of hang between gears but I think that's normal with newer drive by wire cars. I wish the seat went down lower. I love the power and gearing.


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Rustys14
12-01-2016, 07:14 PM
Edit: more posts came in while I was typing, this post kind of seems out of place now lol.

I figure I'll chime in on this thread since I used to work in the banking industry and have dealt with loans in the past. Disclaimer: These are just my thoughts from what I've seen in general and may or may not apply to your specific situation.



I'm considering switching my bank from Chase to Navy Federal Credit Union as I've heard they offer low interest rates. However I'm not sure if they're going to want to give me the loan as soon as I join



First off its a common misconception that you have to have accounts with an institution prior to being able to apply for credit. While that is the case for some credit unions and banks, the vast majority will extend credit to non account holders provided they meet the institutions underwriting criteria.

Second, credit unions and banks are organized differently from each other and don't necessarily follow the same underwriting guidelines. Generally you will be able to get a lower rate from a credit union then you would from a bank, but lower rates aren't necessarily a reason to switch your accounts. Convenience factors such as locations and atms near you, service charges, etc. should be your primary focus when choosing where to keep your main accounts since you want to have easy access to your money when you need it.

First question, and most important: How much money do you plan on putting as a down payment on the car?

Because you don't have credit, you most likely won't get approved for a car note, unless you put a significant amount down (maybe 40-60%? If not more)

And even if you did, the interest rate would be so high, you wouldn't want the car. That 300 monthly payment comes out to about 400-500 after interest rates...not looking that cheap.

Also, another thing to consider is insurance. Because you are financing a car, you will need full coverage insurance (comprehensive and liability) which will double your insurance rates. And because it's an older car, 2 doors, 2 seats, it's expensive. I'm paying about $850 for 6 months full coverage on my Z right now.

You definitely need to have credit first before even thinking about financing a car. Build up your credit first (would take a few years...I built my credit up for about 5 years before financing a 370Z with 0% APR)

I've purchased my car new so I did lots of research...oh and I have experience working in a car dealership :)

These are all good points that a lot of people don't think about when financing a car. If you have good credit some institutions will loan up to 130% loan to value which would require no down payment however, with no credit history it can be very difficult to get a decent rate without a hefty down payment (a lot will flat out just say no). 40-60% is high but one can expect to put at least 20-30% down. Do you have a spouse or parent with established credit that would be willing to cosign?

In addition to credit, income and debt to income play a major role in the most banks underwriting decision. Things seem to be in your favor here since you say you don't have any debt and make decent income for your area so with a good cosigner you may be able to get a decent rate and smaller down payment.

Insurance is another thing that people don't consider when financing since the whoever you get a loan from will require full coverage (they will check up on it too). Depending on your driving record one can expect their annual premium to at least double over a liability only policy.

Finally, don't be afraid of credit. When used responsibly its a very good thing and you can be left dead in the water without it. A car loan is a big first step for most people but something like a low limit credit card (even if the apr is high) is a great way to build some credit without taking on a large amount of debt (especially if your in your late teens-early 20s). Use it for gas and pay it off every month, after a year or two you should have a reasonable score that can help you step up to better things like car or a house. /rant

enkei2k
12-01-2016, 07:21 PM
So yeah, went and looked at it. It runs and drives great, but the paint and body hasn't been taken great care of. And since I don't have a credit score I need a co-signer to get the loan through the dealership. So I guess no 350z for me. My next option is to join Navy Fed and see if they will loan me the money.

Dent in the fender and roof, scratches in the door and rear fender, chips all over Hood. And this weird different shades of paint between the bumper, gas door, and the trim going over the side windows is darker. But they said never been crashed or painted.



https://rhcooperandson.com/wp-content/plugins/inventory-presser/assets/carfax-portrait-blue.jpg

No really, did you see the carfax? If not, PM me the VIN, I'll check it out for you.

SupaDoopa
12-03-2016, 05:28 AM
Before creating a thread, I figured you would have at least been pre-approved via a credit union or reputable bank. The car isn't even worth the money to begin with. There are so many problems with your scheme that it hurts my brain.

1. A bank will only approve someone with perfect credit a certain amount which is based off the car's value. If you're looking at a car already thousands of dollars overpriced, you're already fighting a losing battle.
2. The car is beat to balls. It has obvious marks of a shitty previous owner littered all over it for the world to see. I wouldn't have even gotten in that car and drove it unless you're just confirming the fact you want one in the future.
3. You have never established credit or checked your score. No one has a zero score. Regardless if you've used it or not. With that being said, if you're 18, many credit card offers may have shown up at your house. Pick one that will approve you that has the best options and pull the trigger. Use it here and there and pay over the minimum. This will start establishing credit.
4. Your first financed car is going to be a 2 seater, 2 door sports car for someone with zero credit? Not only is the bank going to dick you down on interest, your insurance is going to take whatever anal dignity you have and take it from you. Even if your payment was $300, expect your insurance note to match or exceed it unless you've been driving for 7+ years without ever getting anything more than a slap on the wrist. If you have blemishes on your record, forget it.

TheRealSy90
12-03-2016, 09:52 AM
I'm 26. The man at the dealership told me my credit score was 0, or no score due to no activity.
I wasn't going to pay their asking price either.
I called my insurance first to get a quote on what the full coverage would cost me, if I payed for 6 months like I normally do it was an average of $180 a month on top of the $65 i currently pay for my two 240's.


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rawgarage
12-03-2016, 11:50 AM
get a credit card and use it... having no credit at 26 is like having bad credit.... get the ball rolling...

SoundEfx
12-03-2016, 12:10 PM
Why do you pay so much for your 240's? Isn't one of them suspended while you drive the other?

TheRealSy90
12-03-2016, 12:27 PM
It would probably make sense to not pay insurance on the second 240 that sits in the garage, but by paying both I actually get a multi-car discount and my payment is barely more than the one car, so I just leave it be.


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SoundEfx
12-03-2016, 12:41 PM
The multi-car discount has to do with the fact that you have two cars, not that you are paying full price for both of them. Don't make them fool you into thinking that you have to pay for both to get the discount.

It might only save you $20 - $30 a month, but it's still something. Why pay extra for a car that is not being driven. That's like paying for a car that's totaled.

In either case, good luck.

driftsucky
12-03-2016, 02:34 PM
The multi-car discount has to do with the fact that you have two cars, not that you are paying full price for both of them. Don't make them fool you into thinking that you have to pay for both to get the discount.

It might only save you $20 - $30 a month, but it's still something. Why pay extra for a car that is not being driven. That's like paying for a car that's totaled.

In either case, good luck.

Why penny pinch for a few bux? That's not even worth his time. And, it's not wasting money if you're paying for convenience.

SoundEfx
12-03-2016, 03:34 PM
Why penny pinch for a few bux? That's not even worth his time. And, it's not wasting money if you're paying for convenience.

True. My scenario is if one car is in the shop or something.
But you're right, I don't know enough to give advice.

bataangpinoy
12-04-2016, 03:48 PM
Hurt 350Z Pics

Pass on that. The HR motor is nice and all, but for the price.. tough to justify. You can have a nicely optioned DE car for less than half that.

stevenrapids
12-05-2016, 09:49 AM
you can pick up clean DE's for less than most beat to shit 240's now. It's a no brainer...at least here in the Midwest. People asking 6k for a stock 240sx with rust when I can get an 03 z for less that is cleaner. If you find a DE that has been well maintained why wouldn't you just buy one cash instead of financing an HR?

driftsucky
12-05-2016, 12:02 PM
You can get a G35/G37 and have usable back seats and junk for less than 240's. ONLY reason I got one. 10k for an 03 with brembos, heated seats, nav, roof, 6spd in great condition under 100k miles or 10k for S14 "project" that can't pass inspection and has no a/c and "only 160k on chassis".

TheRealSy90
12-05-2016, 03:20 PM
I feel like I'd rather pay for the benefits of the HR engine if anything.


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driftsucky
12-05-2016, 03:38 PM
I've had an HR (years ago when I didn't have kids and junk) and I felt no better about it than I did my DE. But, hey if your butt dyno is telling you differently, then have at it.

TheRealSy90
12-05-2016, 04:33 PM
I'm at the point now where I have to get a secured credit card to build my credit score up higher. I couldn't get the loan for the car, and I got denied for a credit card as well. This is after switching to Navy Fed. Oh well, maybe in a year or so. Now I've gotta figure something else out. The employee at Navy Fed said I would not need to maintain a rolling balance on the card to build interest, I could just pay it off every month. Lots of other people have said that I must maintain at least 10% utilization on the card or I won't build credit, but at the same time to never go above 30% utilization. Yay adulting.

TheRealSy90
02-07-2017, 08:07 PM
So... Two months later, one sold 92 240sx daily, one payed off credit card, and 3500 down and this guy just got his first financed car! A 2008 Base, 71k Miles, and a 3 year powertrain warranty. RIP paychecks [emoji24]


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future
02-07-2017, 08:17 PM
Nice!


I'm still here with mine for sale

TheRealSy90
02-07-2017, 08:18 PM
I would have looked at private sellers but I couldn't get financed through my bank. Ended up with 9.99% through the stealership.


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CrimsonRockett
02-07-2017, 08:35 PM
I would have looked at private sellers but I couldn't get financed through my bank. Ended up with 9.99% through the stealership.


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Their buy rate was probably lower than what they sold it to you for.

Try to refinance it in a few months or just throw a little extra each month to the principal.

Congrats on the purchase!

future
02-07-2017, 08:45 PM
What was the final price all set and paid off with that of a rate?

TheRealSy90
02-07-2017, 09:44 PM
Now that I think about it, it's a base model. I didn't realize enthusiasts had cruise control and this one doesn't...

I'm paying 22k after all the fees, warranty, financing, interest etc... a lot I'm sure.


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future
02-08-2017, 07:29 AM
Bruh........


You had my car practically finished for 14k lol


Talk about getting killed. I know it's your first car but financially that's a horrible deal

TheRealSy90
02-08-2017, 01:43 PM
Bruh........


You had my car practically finished for 14k lol

Well, I didn't have 14k.

I had 3,500. So that's what I put as my down payment.

I doubt you would have took 3,500 and payments for yours even if I offered 20k in the end.

Bnr32gtr
02-08-2017, 04:04 PM
It's all good brother. Need to get a friend or family member to get into a credit union. Then refinance that baby for around 4%. Also the best way I found to build credit up is to get a bs card and buy gas on it rack it up some and pay it off keep doing this and u will have grate credit in no time.

TheRealSy90
02-08-2017, 04:24 PM
Yeah, so they called me back and couldn't approve me at the 10% interest that I signed the contract for, and had to raise it to 16% and asked me to come re-sign. I said i'll bring the car back and would like my deposit back. I've just had a shitty feeling all day long about paying 22k in the end for a 2008 base model Z that has faded paint and dents in the fenders already.

240sex_s14
02-08-2017, 04:38 PM
want to start off with saying Congrats!!!! do refi within 12 months of making on time payments!!! the payment at the end is wayyyyyy to over priced!


Also wanted to mention, I'm a field agent for State Farm! make sure to keep your record clean from accidents which are rated for 6 years if held at 51/49 (basically at fault or partially) and 3 years for moving violations. Only time an insurance company will excuse the ticket is after Traffic School (Paying the ticket via court does not take it off your record)


Keep us in the loop for any mods!

KiLLeR2001
02-08-2017, 04:48 PM
If you want to spend 22k, look for a Nismo.

Bnr32gtr
02-08-2017, 05:23 PM
U made the right decision man! keep saving and buy one in cash

future
02-08-2017, 06:23 PM
Yeah look more


My friend opened a new account at a credit union just for the car loan application and was approved with 2500 down and bought a car for 15k


I bight my Z with 0 down and the car was 15.5.


You made the right choice sending that car back. Way too expensive!

CrimsonRockett
02-08-2017, 10:38 PM
Yeah, so they called me back and couldn't approve me at the 10% interest that I signed the contract for, and had to raise it to 16% and asked me to come re-sign. I said i'll bring the car back and would like my deposit back. I've just had a shitty feeling all day long about paying 22k in the end for a 2008 base model Z that has faded paint and dents in the fenders already.

Honestly, this was the smart thing to do.

Burying yourself in a 9 (or 10 year old car depending on when it was actually built) was not very wise. Part of the reason why your interest rate was so high was due to the age of the car.

Build your credit up, even if it means leasing a cheap 4-door if you need a reliable daily driver.

Back when Scion was around, they had some great leasing programs for first time buyers.

I managed to help my brother lease a new 2016 Scion iM for $165/mo.

Obviously the car might not be for everyone, but how are you going to say no to a driving brand new car with free maintenance for the first two years for under $6 bucks a day.

Alpod
02-08-2017, 10:58 PM
Yeah, so they called me back and couldn't approve me at the 10% interest that I signed the contract for, and had to raise it to 16% and asked me to come re-sign. I said i'll bring the car back and would like my deposit back. I've just had a shitty feeling all day long about paying 22k in the end for a 2008 base model Z that has faded paint and dents in the fenders already.

I'd feel the same way, except I wouldn't have even done your initial deal. There's better options out their just keep looking and be vigilant!

TheRealSy90
02-09-2017, 05:12 AM
So update again...

I couldn't get out of the car. Since I refused to re sign at the 16% they wanted, somehow they "figured out" how to maintain the 10% interest I originally signed for...
So with that I remained locked in.
Although I did manage to talk them into fixing the few dents it had and repainting the car.


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future
02-09-2017, 06:58 AM
The power of your signature


Sorry bro. Take this as a learning experience. Cause you can't ever sell that car and not loose a ton

Alpod
02-09-2017, 07:56 AM
So update again...

I couldn't get out of the car. Since I refused to re sign at the 16% they wanted, somehow they "figured out" how to maintain the 10% interest I originally signed for...
So with that I remained locked in.
Although I did manage to talk them into fixing the few dents it had and repainting the car.


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Hence the "stealership" designation haha. Enjoy the car, make your payments, and don't beat yourself up. As someone else said take it as a learning experience!

Ramonesfreak2010
02-09-2017, 08:56 AM
https://www.cargurus.com/Cars/inventorylisting/viewDetailsFilterViewInventoryListing.action?sourc eContext=carGurusHomePage_false_0&formSourceTag=112&newSearchFromOverviewPage=true&inventorySearchWidgetType=AUTO&entitySelectingHelper.selectedEntity=c9343&entitySelectingHelper.selectedEntity2=c21364&zip=21045&distance=50000&searchChanged=true&modelChanged=false&filtersModified=true#listing=157277947

driftsucky
02-09-2017, 11:41 AM
Easy easy easy. Why is everyone beating the kid up. And don't be THAT guy that's post all these "better deals" after it's already too late.

Babying a financed car is the equivalent of buying a house and sleeping in a tent on the lawn so you don't "mess it up". It's not drifting a car that's the problem. It's getting a car that you might not be able to afford, in the first place.

We all modify cars. Our very hobby is a bad financial decision whether we pay cash or whether we end up paying finance charges. If you get into a car trying to penny pinch, you should not get into that car or this hobby. That's not an open license to go all stupid and dig a hole that you can't get out of, but, if you purchased a car to have fun, have fun.

You're going to lose money every time you get a (newer) car. If you spend your entire time worrying about that, you're going to end being a miserable old man who yells at kids to get off your lawn and holds on to their baseball. Just enjoy the car dude.

LockOn!
02-09-2017, 12:40 PM
NVM.

You already puchased. Enjoy the car man! At least they are painting it up and fixing the body. They fucking better be.

TheRealSy90
02-09-2017, 04:21 PM
Yeah, I'm going to do my best to ignore the "Total amount payed after financing" price on the paperwork and try to just enjoy the car, at least for the three years of powertrain warranty that I payed for.


I wish I would have just bought the 2004 Lancer Sportback Ralliart that I already had my mind set on... But no of course I had to swing by the 350z I liked first...

spooled240
02-09-2017, 05:24 PM
My god that interest rate though. Look into transferring that balance to a lower interest loan after you build your credit up.

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LockOn!
02-10-2017, 11:09 AM
at least for the three years of powertrain warranty that I payed for.


I wish I would have just bought the 2004 Lancer Sportback Ralliart that I already had my mind set on... But no of course I had to swing by the 350z I liked first...

Oh, well that's nice at least. Get your use out of it for sure!

Ehhhhhh that Lancer wagon definitely would have driven like a total dog. I think you'll be happier here.

KiLLeR2001
02-10-2017, 10:01 PM
Yeah, I'm going to do my best to ignore the "Total amount payed after financing" price on the paperwork and try to just enjoy the car, at least for the three years of powertrain warranty that I payed for.


I wish I would have just bought the 2004 Lancer Sportback Ralliart that I already had my mind set on... But no of course I had to swing by the 350z I liked first...

Don't feel too bad. Just read up on improving your credit score from here on out, it will get better. I never had a car payment in my life, then I up and bought a brand new 2017 GT350. Now that's a monthly payment... but... :2f2f:

Also, good thing you got the Z instead of a Lancer or you wouldn't be able to show your face here.

TheRealSy90
02-16-2017, 08:21 PM
Oh... so probably should update this again for the last time.

Took the car home, noticed low oil pressure on the gauge after it's at operating temperature. Knew the sensor was a common issue and replaced it, no change in the reading.
Took it to the dealer I bought it at (Mazda/Mitsu) and they said "it's fine cause the oil light isn't coming on"... umm yeah I don't think so! Took it down the street to the Nissan dealer. They installed a gauge and verified it had 5psi at idle and 34psi at 2k rpm. Way below acceptable pressures. It then took the last four days of threatening legal action on the dealer and they finally gave me a check for my down payment and cancelled the contract. Fuck that car.
Guaranteed it was the two oil gallery gaskets yet they wanted to throw an oil pump in it and refused my advice. By Felecia.
Luckily I was within the AZ Lemon Law timeframe.


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Standard
02-16-2017, 08:36 PM
Wow, I was following this thread :)

Everything happens for a reason, right?
If this new incedent wouldn't have occurred, I would have just said big deal, make the payments and have fun!
Good thing you had the knowledge to know there was a problem, and you did what had to be done :)

TheRealSy90
02-16-2017, 08:37 PM
Yeah, I was over the money thing and was just going to enjoy the car. Oh well.


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izzy-
02-17-2017, 07:15 PM
14k for a base model 350z with faded paint, and dents....

TheRealSy90
02-17-2017, 07:20 PM
15,9. 32k after financing. [emoji23]


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