Monthly Car Payment?

[re-rx7]

What do you guys pay monthly for your car?

I bought my 2011 5.0 with 28k miles.
Financed it for 5 years payments are $440.

[Midnight11]

brand new 13 brembo package premium.

420/month

[re-rx7]

brand new 13 brembo package premium.

420/month

how long you finance?

[rriddle3]

Bought my '12 back in December with 16k on the odo. Financed for 5 yrs @ $340 monthly.

[re-rx7]

Bought my '12 back in December with 16k on the odo. Financed for 5 yrs @ $340 monthly.
Base or premium?

[maxpayne]

14 base with no options and 3 miles on the clock - $421 /month. 6 yrs/1.9%. But I pay $500 a month.

[re-rx7]

gd deal

[maxpayne]

gd deal

It would have been better but I lost a good chunk on my trade. Well, my negative equity was equal to the amount I would have saved in taxes by trading in and taking advantage of the tax break. So, its like I bought my 5.0 with no trade in and paid full TTL. Not ideal but I really wanted the car. To each their own.

[DirtyD]

When I first financed the car, did a 4 @ 2.2%, paying $606/month. Just recently refinanced to ease my wallet, and help pay off some CC bills, and now I'm on the loan by myself, refinanced for 5 @ 2.35%, paying $455/month. All with GAP. I put down $6k.

[re-rx7]

When I first financed the car, did a 4 @ 2.2%, paying $606/month. Just recently refinanced to ease my wallet, and help pay off some CC bills, and now I'm on the loan by myself, refinanced for 5 @ 2.35%, paying $455/month. All with GAP. I put down $6k.

Man at $606 a month i bet your ahead a little.

[BLK2012GT]

550 month at 1.9%

[re-rx7]

Low intrest rates FTW!

[rriddle3]

Bought my '12 back in December with 16k on the odo. Financed for 5 yrs @ $340 monthly.

Base or premium?
Premium.

[DirtyD]

Man at $606 a month i bet your ahead a little.
Yup. Why I was able to drop $150 off by only extending out a year. I don't know how much positive equity I have, but it hopefully is a little.

[downtime!]

$680/month here. 2012 GT Premium, fully loaded except for Navi and glass roof. Have no idea what the interest rate is. and that's only for 36 months. Car will be paid off in 10 or 11 months.

[re-rx7]

$680/month here. 2012 GT Premium, fully loaded except for Navi and glass roof. Have no idea what the interest rate is. and that's only for 36 months. Car will be paid off in 10 or 11 months.

Damn, any money down? Lucky bastard.

[BERT]

2014 base, 3.84%(which I thought was badass til I read this thread), 75 months at $460/mo. Should've been cheaper but I owed too much on my truck

[downtime!]

Damn, any money down? Lucky bastard.Not much. I think I ended up financing around $25,000, so about $4500 down. X plan and dealing got me in the car for just over $30,000 on a sticker price of $39,000. It's not the car I went to buy, but I Like what I ended up with.

[Hagen3great]

Thats awesome! Mine is the same as yours Downtime but I got navigation and stock 3.31s. With the Xplan and knowing the salesman was 34,300 with Sticker just under 40. It sounds like your haggling worked! I Put 10k down no trade and 5yr 27k loan @1.9 gave me 525/mo. This was at grapevine ford in November 2011.

[46Tbird]

Traded in an '06 Dodge Ram, financed the rest (just under $22k) at 1.9%. So $382/mo for 60mos. I'm good with it.

[kdanner]

Nothing. No payments on anything, cash is king. Getting away from payments is the path to freedom, you're no longer handcuffed to a job, you can do whatever you want.

[downtime!]

I like being handcuffed to my job. I'm good at it, and they pay me quite well for what I do. I plan on keeping that tradition alive for at least 15 more years. Then, all bets are off.

[Slow Five-O]

Traded in an '06 Dodge Ram, financed the rest (just under $22k) at 1.9%. So $382/mo for 60mos. I'm good with it.

Awesome.

[unit_three]

Nothing. No payments on anything, cash is king. Getting away from payments is the path to freedom, you're no longer handcuffed to a job, you can do whatever you want.

Ok Mr Money Bags.

I got 1.99% also, premium certified used, and additional extended warranty to 100k. I had negative equity on the trade in so was a bit upside down but needed it gone (accident that freaked the wife out). $480/month.

Meh.

[03MachMe]

415/mo

[JDMLOL]

409

[McNastyGT]

559 a month 6.9% with 1000 down 6 yrs...plus I got sky link,road hazard,gap insurance,and my windows etched for free

[BLK2012GT]

559 a month 6.9% with 1000 down 6 yrs...plus I got sky link,road hazard,gap insurance,and my windows etched for free

Your first car under your name?

[McNastyGT]

Your first car under your name?

Yea

[garner]

Mine is too embarrassing to post

[re-rx7]

Mine is too embarrassing to post
aww come on.

559 a month 6.9% with 1000 down 6 yrs...plus I got sky link,road hazard,gap insurance,and my windows etched for free

My interest rate is through a local bank but its not bad at 4.9%. My payment is still only 440.

[DirtyD]

This is my first payment under my name too. Going through a Credit union helps a ton, plus I've had credit cards since high school to build credit. Had the score, just not the history.

[McNastyGT]

This is my first payment under my name too. Going through a Credit union helps a ton, plus I've had credit cards since high school to build credit. Had the score, just not the history.

Yea I had a 720 or something like that just not the history...I'v had a credit card since I was 18 so I guess that helped a little

[DirtyD]

Yea I had a 720 or something like that just not the history...I'v had a credit card since I was 18 so I guess that helped a little

Yup. After you get some payments made, then you can always refinance with a better history and drop a good chunk off. That's what I did (see a few posts above)

[McNastyGT]

Yup. After you get some payments made, then you can always refinance with a better history and drop a good chunk off. That's what I did (see a few posts above)

Yea ill prolly do that

[garner]

aww come on.


Let's just say it's one of the highest payments, the longest loan term, and one of the highest interest rates compared to those already posted lol

[unit_three]

Mine is too embarrassing to post

The thing is many of these #'s don't mean anything without knowing how much the person put down, trade in values, credit, options on the vehicle, etc.

[Dark Pony]

'13 premium - $685/ mo and I was upside down in my truck before I traded in. I put $3k down just to get in it.

[re-rx7]

'13 premium - $685/ mo and I was upside down in my truck before I traded in. I put $3k down just to get in it.

Ouch.

[Dark Pony]

2.9% rate though

[Mrjeremyt]

Zero down, zero interest, 66 month loan, 13 base, 75k bumper to bumper warranty, I overpay at 500 a month.

[2012mustang76123]

traded paid off g37s and 10k to get 12 premium with brown leather. Yall pay too much.

[DirtyD]

Let's just say it's one of the highest payments, the longest loan term, and one of the highest interest rates compared to those already posted lol

Well for your current situation and the fact you are one of the younger ones on the board, I don't think it would be horrible.

[MidWest281]

$550

[re-rx7]

Thats not bad for a Boss.

[garner]

Ugh fine. Like $680-690 a month for 84 months at 7.9% I think. $0 down.

Had a bunch of roll over from a previous truck that got trashed by an ex family friend then that rollover plus crappy dodge trade in value made it to this car :(

[BLK2012GT]

GOD DAMN!!!!!!!!!!!!:eek: I mean that's kinda steep.

[McNastyGT]

Ugh fine. Like $680-690 a month for 84 months at 7.9% I think. $0 down.

Had a bunch of roll over from a previous truck that got trashed by an ex family friend then that rollover plus crappy dodge trade in value made it to this car :(

Ouch....

[garner]

Said it was embarrassing

[BERT]

GOD DAMN!!!!!!!!!!!!:eek: I mean that's kinda steep.



Kinda?? I could've got the GT500 in the showroom for that payment.

BUT!!!! He got the car he wanted and I bet garner enjoys the hell out it

[re-rx7]

Kinda?? I could've got the GT500 in the showroom for that payment.

BUT!!!! He got the car he wanted and I bet garner enjoys the hell out it

truf!

[garner]

Yeah that's what happens with tons of rollover due to stupid people :/ But I do like the car. Plus side is that even with that loan payment, the total operating cost is a few hundred dollars less than my last truck was. Bad part is we can't put that money towards the loan cause according to navy federal it goes to interest and not principle, lame

[Dan12GT]

Car was listed around $29500 with 3k miles used. Original sticker price was $35k+. Premium with with comfort / lighting package. I ended up financing around $26k @ 2.2% I'm paying $415/month 6 year loan.

[DirtyD]

Ugh fine. Like $680-690 a month for 84 months at 7.9% I think. $0 down.

Had a bunch of roll over from a previous truck that got trashed by an ex family friend then that rollover plus crappy dodge trade in value made it to this car :(

The $0 down hurt you a lot. But you have to do what you have to do.

[Sieran]

$605/mo 72 month with not sure the exact rate but is under 3%. Traded in a VW GTI i was slightly upside down on. GT Track pack with everything but the premium sound, glass roof, and upgraded seats.

[BLK2012GT]

Kinda?? I could've got the GT500 in the showroom for that payment.

BUT!!!! He got the car he wanted and I bet garner enjoys the hell out it

I was being nice.

[MidWest281]

Thats not bad for a Boss.

you are correct sir. its not bad at all. I am pretty happy/lucky with some of the investments I've made up to this point in my life. Hopefully the Boss will hold it's value!

[2012mustang76123]

Yeah that's what happens with tons of rollover due to stupid people :/ But I do like the car. Plus side is that even with that loan payment, the total operating cost is a few hundred dollars less than my last truck was. Bad part is we can't put that money towards the loan cause according to navy federal it goes to interest and not principle, lame

are you sure about that? Everyone loan car/house always went to principle or you can specify that a certain amount go to principle only.

[DirtyD]

are you sure about that? Everyone loan car/house always went to principle or you can specify that a certain amount go to principle only.
Typically you monthly payment goes more towards both interest and principle. Any extra amount paid after your payment go straight to principle, since you've already paid the interest for that term.

[garner]

are you sure about that? Everyone loan car/house always went to principle or you can specify that a certain amount go to principle only.

That's what the loan officer told us when we went to turn in the promissory note. Said any extra on top of the requirement payment would pay down interest

[DirtyD]

That's what the loan officer told us when we went to turn in the promissory note. Said any extra on top of the requirement payment would pay down interest
He must be an idiot. Your monthly payment factors in paying off both interest and principle each term. Any extra payment made AFTER your monthly payment pays strictly to principle, which is why you can pay extra and pay off a loan early.

[Midnight11]

maybe have another one here soon ;)

[maxpayne]

maybe have another one here soon ;)

Do share.....

[DirtyD]

Do share.....
http://www.stmesc.org/site/wp-content/uploads/2012/09/fiesta_0.jpg

[Taxman]

$0.00 cuz 3v LOL

[Midnight11]

Do share.....

looking at getting a 14 fiesta for a daily since the honda sucks

[BERT]

looking at getting a 14 fiesta for a daily since the honda sucks



Man those things are TINY. I thought the Focus was small

[El_Tortuga]

Nada.

Was doing $750/mo 4 yrs, full amount financed to give me some freedom to time the market and it worked out well. :)

[Midnight11]

Man those things are TINY. I thought the Focus was small

drove both today. felt more room in the fiesta. im just tall though haha

[Bacadiesel]

555 a month/ 6 year

17% interest. My credit sucks but I really wanted the car. I'm actually paying 700 a month to pay it off sooner.

26k for car

2011 5.0

[brtnstrns]

looking at getting a 14 fiesta for a daily since the honda sucks

What Honda do you have that sucks? Just wondering

[Midnight11]

03 civic

[Rebelracer568]

465 month. Traded in my 12 5.0. Rolled over minor negative equity. No cash down. 23 years old with 4.8% intrest. I pay 500 month and mmonth ahead on payment

[brtnstrns]

03 civic

Ah, better than the next gen Civics. My 06 has body panels that fall off if you sneeze near them and the engine block cracked and puked radiator fluid everywhere. Luckily there was a TSB that covers unlimited mileage and 8 years past the purchase date regardless of owner so I got a brand new OEM short block installed by Honda for free.

Oh yeah and back on topic:
$253 a month / 48 months. But that's on a 10 year old car. Still has 5.0 liters of displacement though :)

[Midnight11]

250/month for a 14 fiesta se hatch with mytouch

[DirtyD]

250/month for a 14 fiesta se hatch with mytouch
What kind of loan? That's pretty sweet.

[Midnight11]

What kind of loan? That's pretty sweet.

283 0% at 60
250 1.9 at 72

leaning towards the zero interest but calling insurance today

[DirtyD]

283 0% at 60
250 1.9 at 72

leaning towards the zero interest but calling insurance today
Definitely not bad at all. Only thing I'e be reluctant on is having 2 car payments both that long of a term.

[Midnight11]

gotta do what i gotta do. its that or get rid of the mustang which i dont wanna do

[maxpayne]

gotta do what i gotta do. its that or get rid of the mustang which i dont wanna do

No, definitely do not get rid of your 5.0. lol


Why can't you daily your stang?

[DirtyD]

gotta do what i gotta do. its that or get rid of the mustang which i dont wanna do
I know. If I had a little more dispossable income at the moment, I definitely have a Ranger parked outside my apartment.

No, definitely do not get rid of your 5.0. lol


Why can't you daily your stang?
The distance he drives kills his wallet on fuel costs. He drives from Frisco to I20/Wheatland Rd almost every day.

[Midnight11]

No, definitely do not get rid of your 5.0. lol


Why can't you daily your stang?

80 + miles to work a day

[Grandpa]

LOL @ you two giving me shit for not driving my car as much as you guys do but yet both want another car to drive.

[DirtyD]

LOL @ you two giving me shit for not driving my car as much as you guys do but yet both want another car to drive.
I want a truck for other purposes than strictly having another vehicle to drive. Hauling a dog in a car like this isn't exactly ideal, although I do it, and so does Ryan. But having a truck allows for much easier things to be done, not to mention to take out and have som fun with offroad, which the car definitely can't do.

[maxpayne]

Wow. Damn. Completely understandable. I feel lucky now having to only drive 12 miles roundtrip Monday through Friday. But, my next mod for my 5.0 will be a cheap and used daily car. Like yall, I hate puting miles on my car.

[DirtyD]

I drive 12-15 miles one way to work, depending on how traffic is that determines which route I take. Doesn't count any other driving outside of my commute.

[Grandpa]

I want a truck for other purposes than strictly having another vehicle to drive. Hauling a dog in a car like this isn't exactly ideal, although I do it, and so does Ryan. But having a truck allows for much easier things to be done, not to mention to take out and have som fun with offroad, which the car definitely can't do.

LOL! Tell me about it. A truck is a MUST have in my opinion. I have two kids with all their stuff (bags/strollers etc) , a wife who shops and a dog. If it wasn't for the truck, our dog would definitely never go anywhere because its not allowed in either of the Stangs. All of that nasty dog hair and smell is not allowed in the Stangs, that's just nasty! All of my gear for training/lesson appointments. On family weekend trips we easily fill up our Explorer (its a 4x4) with all of our bags, suitscases and the kids stuff. Been thinking about getting a Eco-Boost Explorer but considering stepping up to a bigger truck like a Expedition or Suburban/Yukon XL for the more room.

I learned long ago that you shouldn't race your daily driver. It's just too much hassle and stress if you break it or put too much wear and tear on it being your sole source of transportation. If you can't afford a second car, chances are you can't afford your racing habit.

[DirtyD]

LOL! Tell me about it. A truck is a MUST have in my opinion. I have two kids with all their stuff (bags/strollers etc) , a wife who shops and a dog. If it wasn't for the truck, our dog would definitely never go anywhere because its not allowed in either of the Stangs. All of that nasty dog hair and smell is not allowed in the Stangs, that's just nasty! All of my gear for training/lesson appointments. On family weekend trips we easily fill up our Explorer (its a 4x4) with all of our bags, suitscases and the kids stuff. Been thinking about getting a Eco-Boost Explorer but considering stepping up to a bigger truck like a Expedition or Suburban/Yukon XL for the more room.
There are days where I really miss having my truck. I had originally planned to keep it and the Mustang, but it didn't pan out that way. I typically am able to keep Tucker's hair under control in the car, but when the windows are down, which he loves, all bets are off. Haha

I highly recommend that you wait until the next gen F-150/Expy are announced next year. You will kick yourself now if you get a 5.4 3V Expy. My mom got one. It's great SUV, but if it didn't have the 3.73s that come with the tow package, it would be an absolute dog to drive with the standard 3.31s. Other than that, great car. Don't miss our old E-150 custom at all.

I learned long ago that you shouldn't race your daily driver. It's just too much hassle and stress if you break it or put too much wear and tear on it being your sole source of transportation. If you can't afford a second car, chances are you can't afford your racing habit.
This is exactly why I've been reluctant to go out to any track days. After seeing Don wreck his car, I really just can't risk that, as much as I would LOVE to go out every weekend and enjoy some 1/4 mile passes.

[re-rx7]

283 0% at 60
250 1.9 at 72

leaning towards the zero interest but calling insurance today

Why not buy something used and cheaper? I had a 96 accord and put tons of miles on it and never had a problem.

[DirtyD]

Why not buy something used and cheaper? I had a 96 accord and put tons of miles on it and never had a problem.
Reliability. Even a bullet proof used car can have issues.

[re-rx7]

Even a new car can have issues?

[Grandpa]

Even a new car can have issues?

New car will have a warranty and a loaner if something goes wrong. Nic had a cheap Honda beater that blew up on him.

[Midnight11]

Why not buy something used and cheaper? I had a 96 accord and put tons of miles on it and never had a problem.

My Honda blew up never again will get a shitty import

[re-rx7]

New car will have a warranty and a loaner if something goes wrong. Nic had a cheap Honda beater that blew up on him.
Wasnt aware Ford offered loaner cars.
My Honda blew up never again will get a shitty import

Shitty Import lololol. Must have got a bad one. Most civics accord i know are rock solid.

[Grandpa]

Wasnt aware Ford offered loaner cars.


Shitty Import lololol. Must have got a bad one. Most civics accord i know are rock solid.

I've got a loaner with my car. Maybe it's a dealership thing, but you can get one.


Ever since you decided to sell your car you've been on this import kick again. Which is fine, do your thing, but keep your bickering to a minimum or just take it to RKC if you can't get along.

[re-rx7]

I've got a loaner with my car. Maybe it's a dealership thing, but you can get one.


Ever since you decided to sell your car you've been on this import kick again. Which is fine, do your thing, but keep your bickering to a minimum or just take it to RKC if you can't get along.

Jeus christ you have a short fuse with me aparently. Cant get along? What happened to debating? Which is what is going on here. I asked why he wanted a Fiest. He said his Honda was crap. I retorted with most hondas are solid? Im not just a import Guy Ive looked at Fiesta St's as well.

[Grandpa]

Jeus christ you have a short fuse with me aparently. Cant get along? What happened to debating? Which is what is going on here. I asked why he wanted a Fiest. He said his Honda was crap. I retorted with most hondas are solid? Im not just a import Guy Ive looked at Fiesta St's as well.

This isn't a debate. Ever since you decided you are going to sell your Stang you've been back on your pro-import kick again. He isn't interested in why you think imports are better. He's formed his opinion based on his experience with his Honda. He's decided to go a different direction and you want to argue about it. His opinion isn't the same as yours. Just let it go.

[re-rx7]

Id take the lower APR route depending on how well they keep value. Find a pre-owned Fiesta that way you get the pre-cert warranty.

[BLK2012GT]

I love cock

[DirtyD]

I love cock
Finally you admit it.

[rriddle3]

:smiley-face-popcorn

[re-rx7]

I love cock

:3681700093_1f8b56e8

Call me....

[BLK2012GT]

Finally you admit it.

How YOU doin? ;)

[Midnight11]

Id take the lower APR route depending on how well they keep value. Find a pre-owned Fiesta that way you get the pre-cert warranty.

I'm good

[DirtyD]

How YOU doin? ;)
dc2Z7CL4Cv0

[re-rx7]

i'm good

good deal.

[GTRacerX]

2013 GT Premium w/ Recaro Racing Seats and I think it's the optional California package rear wing everything else is stock. $295/month @ 2.55%APR for 6 years but I pay $325 so I should have it paid off in 4 1/2 more years.

[DirtyD]

2013 GT Premium w/ Recaro Racing Seats and I think it's the optional California package rear wing everything else is stock. $295/month @ 2.55%APR for 6 years but I pay $325 so I should have it paid off in 4 1/2 more years.
HOLY CRAP!!!! How much did you put down?!? That's an insanely low payment.

[Slow Five-O]

HOLY CRAP!!!! How much did you put down?!? That's an insanely low payment.

X2 that's awesome

[re-rx7]

Good god thats a steal!!!

[Dan12GT]

I guess I could include my other car (wife's) Altima 2.5 SL $475/month 0%. I hate thinking about how much I spend in car payments monthly...ugh...

[re-rx7]

I guess I could include my other car (wife's) Altima 2.5 SL $475/month 0%. I hate thinking about how much I spend in car payments monthly...ugh...

I feel you. My girls 2013 Accord V6 Coupe, loaded minus nave is $560 a month.

[Taxman]

Yeah my F250 is around $475 or so.

[GTRacerX]

HOLY CRAP!!!! How much did you put down?!? That's an insanely low payment.

I put $4,000 cash down along with my trade in on my 350Z

[DirtyD]

I put $4,000 cash down along with my trade in on my 350Z

Yeah, that definitely helped I'm sure.

[03MachMe]

I guess I could include my other car (wife's) Altima 2.5 SL $475/month 0%. I hate thinking about how much I spend in car payments monthly...ugh...

just wait till you start buying baby stuff........

My wifes edge is $386/mo but may be trading it in soon if my brother can help me out with a deal

[Dan12GT]

just wait till you start buying baby stuff........

My wifes edge is $386/mo but may be trading it in soon if my brother can help me out with a deal

Haha! Yep everything is expensive when you have kiddos!

[saleen449]

2013 Navigator 4x4-950
2013 KR 4x4 SCREW-850
2013 MKS-650
2013 MKZ-400

[blownaltered]

1989 Mustang GT - cash bitches

[Bacadiesel]

91 foxbody free

Kinda trashed 4 cyl car converted to 5.0 no title

[Kadeng]

$580/month for a 2014 Mustang Pony Edition... looking at some of y'alls payments on new 5.0s i think i got screwed.... financed for 6 years. D: nonetheless, got my Stang paying for by myself at the age of 18 :)

[brtnstrns]

$580/month for a 2014 Mustang Pony Edition... looking at some of y'alls payments on new 5.0s i think i got screwed.... financed for 6 years. D: nonetheless, got my Stang paying for by myself at the age of 18 :)

Well then you didn't get screwed, you just don't have a long enough credit history.

[merlinmol]

I think I did pretty well considering I bought my car shortly after the 13's came out.

0 down, No trade in, GAP, and Wheel insurance (covers any wheels on the car). Got the car at invoice which was 30265 or something like that.

$520/mo. 2.95% @ 72

I was offered 1.9% at 66 mo. but the payments were higher.