Second opinion

That’s also assuming you don’t purchase any extra packages the finance goblin throws at you like unicorn zombie **** prevention.
 
DEERTAY said:
If your credit score is good enough you could always talk them down, especially if you have a decent down payment. Always try to keep the final buy out as low as possible. Dealers will always try to put you in a long term loan at a high percentage. Before you know it you paid $38k for a vehicle you thought were getting for $23k.
I’m just basing this off Vegas numbers I’m not sure how things work out there.
But for an ex: if you went in and said I want to buy the truck for $23,000 at a 2.9% apr with 2k down for 60 mos at $427 a/mo the final buy out will be around 26-27k. And interest would be like $1700 or so.
Your sales person will not like you.
Click to expand...
I don’t get it...
$23k with $2k down at 2.9% cost you $26k?
$23K - $2k down = $21k.
$21k@2.9% = $1585.
$21,000+1585 = $22,585
$22,585/60= $376
Why are you paying $427 a month? $23,000+ 0 down @ 2.9%.= $1736
$24736/60= $412 mo.
Why are you paying $427? Did the dealer add something and not tell you?Id be worried.
 
OR17TRD said:
I don’t get it...
$23k with $2k down at 2.9% cost you $26k?
$23K - $2k down = $21k.
$21k@2.9% = $1585.
$21,000+1585 = $22,585
$22,585/60= $376
Why are you paying $427 a month? $23,000+ 0 down @ 2.9%.= $1736
$24736/60= $412 mo.
Why are you paying $427? Did the dealer add something and not tell you?Id be worried.
Click to expand...

I didn’t include fees taxes and registration
 
DEERTAY said:
Lol yeah man they’ll get ya
Click to expand...
I’m not use to them. Oregon doesn’t have sales tax and the fees aren’t much. Starting January 2018 they did pass a new privilege tax on new vehicles which is 0.5% and the DMV raised the registration fees. So a new vehicle would cost me more than it did in 2017.
 
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