Low Monthly Payments
#1
Intermediate
Thread Starter
Join Date: Oct 2003
Location: Hartford Connecticut
Age: 38
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Low Monthly Payments
For all those who are making monthly payments whether its through a lease or financing. I want to know who is paying the lowest a month right now for thier TSX and did anyone have any special offers.
#7
Photography Nerd
Just negotiate the best price and lease rate you can and use this calculator to work out your montly payment: http://www.bankrate.com/brm/popcalc2.asp
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#10
I may be fat but I'm slow
I put my Civic down ($4500), and got $1100 off, so I financed $25k at 3.59%, my payments will be $477/60mos.....
BUT
I got a 1 year deferred-payment loan (USAA Military officer career-starter loan), and I will give myself 2 months of no payments, then pay $500/mo for 10 mos, knocking $5k off of the loan, and my payments will be around $370/mo when I start to owe them
BUT
I got a 1 year deferred-payment loan (USAA Military officer career-starter loan), and I will give myself 2 months of no payments, then pay $500/mo for 10 mos, knocking $5k off of the loan, and my payments will be around $370/mo when I start to owe them
#20
Originally posted by HondaGuy347
I put my Civic down ($4500), and got $1100 off, so I financed $25k at 3.59%, my payments will be $477/60mos.....
BUT
I got a 1 year deferred-payment loan (USAA Military officer career-starter loan), and I will give myself 2 months of no payments, then pay $500/mo for 10 mos, knocking $5k off of the loan, and my payments will be around $370/mo when I start to owe them
I put my Civic down ($4500), and got $1100 off, so I financed $25k at 3.59%, my payments will be $477/60mos.....
BUT
I got a 1 year deferred-payment loan (USAA Military officer career-starter loan), and I will give myself 2 months of no payments, then pay $500/mo for 10 mos, knocking $5k off of the loan, and my payments will be around $370/mo when I start to owe them
Enjoy your Ensign/2nd LT mobile.
#21
42 months Lease
12k/yr
0 down (cap Cost)
1164 otd (inception, 1st month, tags, reg, 'courier fees')
writing 355 check each month
I didn't negotiate at all.
looks like I'm middle of the road for deals.
12k/yr
0 down (cap Cost)
1164 otd (inception, 1st month, tags, reg, 'courier fees')
writing 355 check each month
I didn't negotiate at all.
looks like I'm middle of the road for deals.
#22
Instructor
Join Date: Sep 2003
Location: Atlanta, GA
Age: 40
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CG/Ebony AT w/Navi
Trade In (Civic) $5000
$5000 Down
Financed 19,000 @ 7.9% (cause this is my first time buying a car, and i am only 19 so my credit rating isn't the best)
Monthly Payment $390 for 5 years.
Trade In (Civic) $5000
$5000 Down
Financed 19,000 @ 7.9% (cause this is my first time buying a car, and i am only 19 so my credit rating isn't the best)
Monthly Payment $390 for 5 years.
#23
You want me to break it?
Join Date: Sep 2003
Location: Dallas
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48 month lease, 0 down, $442 out the door.
$442/month with 12,000 miles/year
that was without really trying to negotiate anything - miles don't matter as I'll be buying the car at the end of the lease, just wanted to have it sooner rather than later so I lease for now and end up paying about $6000 more over the life of the car - impatience is expensive, but alot more fun to drive than my 93 Isuzu truck. Doesn't matter, after I pay it off it's time to really have some fun (ought to be a reliable turbo or supercharger out by then).
$442/month with 12,000 miles/year
that was without really trying to negotiate anything - miles don't matter as I'll be buying the car at the end of the lease, just wanted to have it sooner rather than later so I lease for now and end up paying about $6000 more over the life of the car - impatience is expensive, but alot more fun to drive than my 93 Isuzu truck. Doesn't matter, after I pay it off it's time to really have some fun (ought to be a reliable turbo or supercharger out by then).
#27
... TSX you say?
Join Date: Mar 2004
Location: Atlanta
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$1000 down, 48 month lease/12k miles, $399 per month (includes tax)
Kighter: You're in Norcross? Right down the road from you in Duluth. I've yet to see a single TSX on the road... Where did you purchase your TSX?
Kighter: You're in Norcross? Right down the road from you in Duluth. I've yet to see a single TSX on the road... Where did you purchase your TSX?
#29
Originally posted by Kighter
6MT Navi
OEM Kit (no rear wing)
Stock wheels & tires
TL Option wheels & tires
7yr/100k mile Acura TLC
$0 down
3.25%
60 months
$640 per.
Do I win?
6MT Navi
OEM Kit (no rear wing)
Stock wheels & tires
TL Option wheels & tires
7yr/100k mile Acura TLC
$0 down
3.25%
60 months
$640 per.
Do I win?
2.9% for 36 months.
$687 per.
But, I think you still win due to the 60 mos. term.
#30
Instructor
Join Date: Feb 2004
Location: Norcross, GA
Age: 56
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AJB: Yeppers. I'm in Duluth a fair amount as my brother lives up that way. I've seen a handful of TSXs down here, but it's still nicely rare. I got mine at Acura Carland, although they had to trade for it to get me the combo I wanted. The car itself came from a Columbus dealer originally. I tried Ed Voyles and Nalley but neither could get me the 6MT in SSM or CG except for Carland.
Kight
Kight
#31
Intermediate
Join Date: Apr 2004
Location: Chicago - Western Burbs'
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Black A/T, No Navi
Splash Guards
Mats
$25,999 w/ destination
7.5% tax (stupid Chicago area)
$4,000 trade in a Nissan 240SX
$7,500 additional down in cash
Financed $16,000 at 3.99% for 60 months - $294 per month
(I have come along way in the past 5 years. When I came out of grad school, was ladened with student loan debt and had to stick with a 14.5% interest rate on a used 240SX and a $1200 apartment rental. 5 years later, have a $250k mortgage, 3.99% Acura and a fiance! So all you younger guys (less than me at 27), dont overbuy, wait a few years and get your sh#t in order and it will eventually come to you). Sorry for the life lesson
Splash Guards
Mats
$25,999 w/ destination
7.5% tax (stupid Chicago area)
$4,000 trade in a Nissan 240SX
$7,500 additional down in cash
Financed $16,000 at 3.99% for 60 months - $294 per month
(I have come along way in the past 5 years. When I came out of grad school, was ladened with student loan debt and had to stick with a 14.5% interest rate on a used 240SX and a $1200 apartment rental. 5 years later, have a $250k mortgage, 3.99% Acura and a fiance! So all you younger guys (less than me at 27), dont overbuy, wait a few years and get your sh#t in order and it will eventually come to you). Sorry for the life lesson
#33
Cruisin'
Join Date: Apr 2004
Location: Sacramento, CA
Age: 44
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$1700 down
60 months @ 4.85%
$560/month.
I got the gap insurance so that added about 10$ a month to my payments. Still not bad considering my last car loan was 11.15% The killer is the more expensive insurance and gas.
60 months @ 4.85%
$560/month.
I got the gap insurance so that added about 10$ a month to my payments. Still not bad considering my last car loan was 11.15% The killer is the more expensive insurance and gas.
#40
Instructor
Join Date: Nov 2003
Location: Toronto, ON
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How did you guys get so low on your interest rate?
I went Honda Finance and they have a fix rate of 6.9% :'(
I put $14,500 CAD down, and paying $590 a month for 60 months...
I feel sad about my interest rate now...I should have NOT click on this thread :sqnteek:
I went Honda Finance and they have a fix rate of 6.9% :'(
I put $14,500 CAD down, and paying $590 a month for 60 months...
I feel sad about my interest rate now...I should have NOT click on this thread :sqnteek: