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Help Gatr find not a Traverse

Old 10-10-2018, 03:08 PM
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Originally Posted by nist7 View Post
yeah heard this is good strategy....secure financing at low rate from local credit union/local bank..bring rate to dealer...see if dealer/oem financing arm can beat it...if they can so be it, then pay off early anyway! heh

unless you get 0% apr

but feds been raising prime rates for a while now...i see mortgage and car rates going up steadily....maybe era of the super low rates are over...
2 years ago, I got my F150 for 1.99%.
Same C.U. for the Mercedes, rates have gone up to 2.99%.

Any term available for both, 24-75 mos. Credit score 740+ the only requirement.
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Old 10-10-2018, 03:23 PM
  #322  
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Originally Posted by Majofo View Post
Avg American owes something like $45k student debt, $30k car loan, $200k house, $15k credit cards and over $100k in other debts
Cray
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Old 10-10-2018, 03:23 PM
  #323  
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Originally Posted by gatrhumpy View Post
Ugh, I'm not purchasing a car before seeing it in person. One car is 30 miles away, the other car is 78 miles away.

I'm living in a town of 12K in rural MS, Applebee's is 30 miles away...
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Old 10-10-2018, 03:24 PM
  #324  
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Originally Posted by Midnight Mystery View Post
I'm living in a town of 12K in rural MS, Applebee's is 30 miles away...
Sucks for you?
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Old 10-10-2018, 03:25 PM
  #325  
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Yeah I got a 2.4% on the V loan but that is not happening anymore.
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Old 10-10-2018, 03:38 PM
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Que paso?
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Old 10-10-2018, 03:49 PM
  #327  
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Originally Posted by gatrhumpy View Post
Que paso?
¿Queso? ¡Si!
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Old 10-10-2018, 03:53 PM
  #328  
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Originally Posted by CCColtsicehockey View Post
Yeah I got a 2.4% on the V loan but that is not happening anymore.
Pffffffft...I don't even know my % for the Owdi as 2019 financing are still pending VW.

Living on the edge, baby!
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Old 10-10-2018, 03:59 PM
  #329  
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Originally Posted by gatrhumpy View Post
Ugh, I'm not purchasing a car before seeing it in person. One car is 30 miles away, the other car is 78 miles away.
Michael is going to destroy a lot of cars. Should have parked the Traverse in Panama City.
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Old 10-10-2018, 04:02 PM
  #330  
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Lol.
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Old 10-10-2018, 04:10 PM
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Originally Posted by Flipster23 View Post
Sucks for you?

Moving to a big city in a week... Sucks for everyone esle though...
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Old 10-10-2018, 04:42 PM
  #332  
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Where? Houston?
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Old 10-10-2018, 04:43 PM
  #333  
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Originally Posted by Majofo View Post
Where? Houston?
Probably Marfa
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Old 10-10-2018, 04:44 PM
  #334  
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Too big
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Old 10-10-2018, 04:47 PM
  #335  
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Originally Posted by Majofo View Post
Too big
The Vatican
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Old 10-10-2018, 05:15 PM
  #336  
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Originally Posted by TacoBello View Post
I remember reading that. Scary AF. What happens when the water heater craps out? Or the transmission in their car shits the bed? Or....??

Credit cards, I guess? Way to rack up more debt!

I sometimes envy homies with the toys they buy and the money they spend. Always wondering how they can afford some of the stuff they do. And then I realize they’re probably living pay check to pay check. I then go to sleep not worrying about what would happen if I lost my job tomorrow
I know a few people and families that do this, they have freely admitted that they have zero savings and a minimal retirement account. I'm continually baffled why people prioritize stuff over a future but whatever.

Originally Posted by Majofo View Post
Avg American owes something like $45k student debt, $30k car loan, $200k house, $15k credit cards and over $100k in other debts
Cray


While I wouldn't really lump the house in there, we all probably have that same thing going, the $45k in student loan and $15k in credit card is ridiculous. I'm not even sure what constitutes the other $100k.

Originally Posted by gatrhumpy View Post
Ugh, I'm not purchasing a car before seeing it in person. One car is 30 miles away, the other car is 78 miles away.
So get in the Traverse and go see them? I've only bought a car sight unseen once so far. I'd definitely do it again though.

Originally Posted by CCColtsicehockey View Post
Yeah I got a 2.4% on the V loan but that is not happening anymore.
I got 2.6% on the Golf a few months ago. If you have a good score and shop around you can still get a good deal. We got 0% on the Jeep and just put the entire purchase price in a high return savings account and had them pull the monthly payment from there. So far it has netted quite a lot in interest.
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Old 10-10-2018, 05:17 PM
  #337  
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Brilliant!
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Old 10-10-2018, 05:27 PM
  #338  
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Originally Posted by 00TL-P3.2 View Post
IIRC, in TX, you can pay off a car loan within 3 days with no early payment penalties. May be a bridge burned with the dealer, but 1 way to get a good deal.
that’s crazy. Here, you can pay out a car loan whenever you want with zero penalties whatsoever. I think it’s by law like that, here. I guess once in a blue moon we do get lucky up here.
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Old 10-10-2018, 05:30 PM
  #339  
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By the way Gatr, you’ve been a champ in this thread, enduring our general asshole selves.
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Old 10-10-2018, 05:32 PM
  #340  
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Originally Posted by TacoBello View Post
By the way Gatr, you’ve been a champ in this thread, enduring our general asshole selves.
Has to be said. Cheers, gatrhumpy . Enjoy your car in good health!
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Old 10-10-2018, 05:42 PM
  #341  
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For the record, it was all meant with love. The kind that hurts your anus after.
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Old 10-10-2018, 06:42 PM
  #342  
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You guys are all right.
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Old 10-10-2018, 06:43 PM
  #343  
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Most likely will be going to look at the Highlander tomorrow.
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Old 10-10-2018, 07:15 PM
  #344  
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I purchased my Durango sight unseen. Made the deal over the phone, they brought me the car on a flat bed with the paperwork to sign. 0% financing.

Win win baby.
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Old 10-10-2018, 07:51 PM
  #345  
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Originally Posted by gatrhumpy View Post
Most likely will be going to look at the Highlander tomorrow.

I'll tell you what I told my sister... You'll be a little disappointed... But hey, they have since improved...

Look at a used RX and see what you think....
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Old 10-10-2018, 11:29 PM
  #346  
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Originally Posted by TacoBello View Post
By the way Gatr, you’ve been a champ in this thread, enduring our general asshole selves.
Read all 9 pages so far and this is the only conclusive statement I've found. Gdam Gat.
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Old 10-11-2018, 12:12 AM
  #347  
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Originally Posted by Majofo View Post
Where? Houston?

No, Hburg!!!
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Old 10-11-2018, 12:13 AM
  #348  
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Originally Posted by Aman View Post
Read all 9 pages so far and this is the only conclusive statement I've found. Gdam Gat.

I know, he takes the high road!!!

Last edited by Midnight Mystery; 10-11-2018 at 12:16 AM.
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Old 10-11-2018, 07:22 AM
  #349  
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I know inside I would be a little disappointed with the Highlander. It's fatter, weighs 245 pounds more than the MDX, gets worse gas mileage, and has a shorter range. I really want the MDX. I may just go look at the MDX tomorrow.
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Old 10-11-2018, 07:23 AM
  #350  
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Not to mention the factory warranty on the Highlander is already gone. The MDX still has the balance of its factory warranty.
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Old 10-11-2018, 07:54 AM
  #351  
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Plus, "it's that kind of thrill."
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Old 10-11-2018, 09:32 AM
  #352  
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Originally Posted by Midnight Mystery View Post
No, Hburg!!!
Houstonburg?
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Old 10-11-2018, 09:40 AM
  #353  
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MDX>Highlander
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Old 10-11-2018, 10:08 AM
  #354  
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Originally Posted by TacoBello View Post
By the way Gatr, you’ve been a champ in this thread, enduring our general asshole selves.
Pussy

Originally Posted by TacoBello View Post
Houstonburg?
Too small

Originally Posted by Midnight Mystery View Post
No, Hburg!!!
Good shit, I almost moved when Kurt moved here.
FFS Kurt
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Old 10-11-2018, 10:12 AM
  #355  
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Just sell your 17k pinky ring to cover the moving and selling fees
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Old 10-11-2018, 10:14 AM
  #356  
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Never
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Old 10-11-2018, 10:17 AM
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Didn't even think of an RX, is that an option? Even without the 3rd row that the Hlander & MDX have.

Does the RX have swamp coolers?
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Old 10-11-2018, 10:18 AM
  #358  
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Originally Posted by TacoBello View Post
that’s crazy. Here, you can pay out a car loan whenever you want with zero penalties whatsoever. I think it’s by law like that, here. I guess once in a blue moon we do get lucky up here.
It varies by state. You can pay off a car loan whenever you want without penalty here too.
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Old 10-11-2018, 12:58 PM
  #359  
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You can pay off a car loan whenever, unless the loan you sign stipulates penalties doing so (some being all the interest).
Where state laws come in is the protection of your rights to pay off early without penalty.
I don't believe any state says you can't pay off a debt.


Some lenders may make it difficult for you to pay off the principle by stating principle payment only (not early / advanced loan payment).
It's asinine, but check with the lender. Last thing you want to do is have your 30k check be advanced and the bank says you still owe 3k... in 2020.

All that being said, read the fine print before signing.
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Old 10-11-2018, 01:05 PM
  #360  
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Is it too late to suggest a Traverse?
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