Paid Off!
05-07-2015 | 01:36 PM
#42
Instructor
Joined: Aug 2011
Posts: 231
Likes: 34
From: Toronto, Ontario, Canada
That's nice man! I did the same, paid off my car and enjoying no payments. Now not getting tempting and pulling the trigger on something new, that's a whole other story!
05-07-2015 | 01:57 PM
#43
Safety Car
Joined: Dec 2014
Posts: 4,663
Likes: 833
The following 4 users liked this post by 2012wagon:
05-09-2015 | 01:00 PM
#48
Azine Jabroni
Joined: May 2013
Posts: 9,156
Likes: 2,159
From: Austin, TX
Not hard to believe at all. I was in the same boat and had to refinance sometime later.
I managed to secure the title by refinancing. Sucks you have this loan that's not really attached to anything, but at the same time, it's nice to have the title.
I managed to secure the title by refinancing. Sucks you have this loan that's not really attached to anything, but at the same time, it's nice to have the title.
05-09-2015 | 01:51 PM
#49
Instructor
Joined: Jul 2010
Posts: 153
Likes: 14
From: on the beach, FL
2 months left here.......
just put new tires on, 255/40-17
Next week,
Full Timing belt kit + 'recommends' (cam seals, crank seal, etc)
Spark Plugs
New motor mounts
Serp Belt and Tensioner
Valve Adjustment
After that and being paid off, with the 400 a month i'm saving, i figure i can put half of it away every month for mods, right?
just put new tires on, 255/40-17
Next week,
Full Timing belt kit + 'recommends' (cam seals, crank seal, etc)
Spark Plugs
New motor mounts
Serp Belt and Tensioner
Valve Adjustment
After that and being paid off, with the 400 a month i'm saving, i figure i can put half of it away every month for mods, right?
05-21-2015 | 10:17 AM
#51
i want to know details of your loan.
with new cars, such as the ILX, you can secure an APR of 0%
even used cars, 1.75% APR is attainable.
so, if you're refinancing this EARLY, you got screwed on either the deal or your credit score isnt where it needs to be.
I want to know!
05-21-2015 | 10:35 AM
#52
Burning Brakes
Joined: Nov 2011
Posts: 985
Likes: 101
From: Parts Unknown
^LOL
Back in 2008/9, a local credit union ran a promotion to refinance a new car within the first 4 months of ownership. This would allow a buyer to capitalize on the manufacturer financing-linked incentives and then go to the CU for the better rate or terms.
Back in 2008/9, a local credit union ran a promotion to refinance a new car within the first 4 months of ownership. This would allow a buyer to capitalize on the manufacturer financing-linked incentives and then go to the CU for the better rate or terms.
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justnspace (05-21-2015)
05-21-2015 | 10:38 AM
#53
Safety Car
Joined: Dec 2014
Posts: 4,663
Likes: 833
Jon, where dafuq are yoU!?
i want to know details of your loan.
with new cars, such as the ILX, you can secure an APR of 0%
even used cars, 1.75% APR is attainable.
so, if you're refinancing this EARLY, you got screwed on either the deal or your credit score isnt where it needs to be.
I want to know!
i want to know details of your loan.
with new cars, such as the ILX, you can secure an APR of 0%
even used cars, 1.75% APR is attainable.
so, if you're refinancing this EARLY, you got screwed on either the deal or your credit score isnt where it needs to be.
I want to know!
The following 2 users liked this post by 2012wagon:
iCrap (05-21-2015),
justnspace (05-21-2015)
05-21-2015 | 10:56 AM
#54
my mom refinanced her vehicle 4 months in only because the finance guy at the dealership screwed the numbers.
she went to the local CU to get that 0% or close to it.
The following users liked this post:
iCrap (05-21-2015)
05-21-2015 | 11:13 AM
#60
Stay Out Of the Left Lane
Joined: Oct 2003
Posts: 9,028
Likes: 1,251
From: SE Mass --- > Central VA --- > SE Mass
Our local CU almost always beats the local dealerships. The only stipulation they have is that you cannot refinance with them again for a year. Have paid off all of our loans early with them as they do payroll deduction (13 payments a year) and I always add extra principle on top of the base P&I payment.
05-21-2015 | 11:47 AM
#61
Safety Car
Joined: Dec 2014
Posts: 4,663
Likes: 833
The following users liked this post:
xtcnrice (05-21-2015)
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JDMaccord3.5 (05-26-2015)
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JDMaccord3.5 (05-26-2015)
05-31-2015 | 10:30 PM
#70
2014 RDX AWD Tech
Joined: Apr 2014
Posts: 4,168
Likes: 354
Not sure that'll work, cause the bank will come after him and report his credit history. If it goes to court he will eventually have to pay it back with interest anyway. Just because there is no collateral doesn't mean that he doesn't owe anything. I'm no financial genius but this seems logical to me.
06-01-2015 | 08:48 AM
#71
Stay Out Of the Left Lane
Joined: Oct 2003
Posts: 9,028
Likes: 1,251
From: SE Mass --- > Central VA --- > SE Mass
Not sure that'll work, cause the bank will come after him and report his credit history. If it goes to court he will eventually have to pay it back with interest anyway. Just because there is no collateral doesn't mean that he doesn't owe anything. I'm no financial genius but this seems logical to me.
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