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04-10-2007, 02:21 AM | #1 |
Drives: Toyota Yaris 2007 Sedan Join Date: Apr 2007
Location: West Covina
Posts: 24
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I'm paying $388.88 a month for a yaris.
It's really high because my credit score was 604 according experian. I financed the car with no money down at $388.88 a month for 72 months. that includes $700 for gap insurance and $1980 for 84 month platinum warranty service. The total amount financed is 19,817.53. If I pay the minimum every month, I would end up paying 27,999.36. They are charging me 12.14 APR. I think I'll use my mom's credit to refinance.
how much are you guys paying? should I use my mom's credit to refinance? she has a credit score of 697 |
04-10-2007, 08:56 AM | #2 |
TRIM HUNTER
Drives: 2007 BLAZIN BLUE YARIS 3 DR Join Date: May 2006
Location: ROCKLAND COUNTY NY
Posts: 2,088
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i pay 284.00 a month with 2g's down and no co-signer....
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04-10-2007, 09:42 AM | #3 |
der Zeck
Drives: '05 Audi A4 1.8t quattro Join Date: Sep 2006
Location: Toledo, OH
Posts: 5,231
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$215
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04-10-2007, 10:05 AM | #4 |
$290 w/ $1500 or $2000 down. Cant remember which.
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04-10-2007, 10:39 AM | #5 |
Drives: 07 YARIS HATCH 5 DOOR Join Date: Apr 2007
Location: Montreal Qc
Posts: 354
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275$ CAD lease, basic manual 5 dr....no down, good credit...
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04-10-2007, 10:54 AM | #6 |
The Beautification of Car
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$500 a month for 2 years, 2 thousand down.
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04-10-2007, 10:56 AM | #7 |
Drives: 07 Toyota Yaris Sedan Join Date: Jun 2006
Location: Beavercreek OH
Posts: 88
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Oh man. I really hate tell you this, but you got ripped off really really bad. If your mom is willing to cosign for you, you should have done that to begin with. 72 months is WAY too long to finance a car. You should really only do 48 months, 60 at the very most. If you can't afford the payments at 48 or 60, then buy a cheaper car. $700 for gap and $1980 for your million year warranty was a waste. How much did you pay for the car itself? Listen to Clark Howard on talk radio, or at least go to his website. You'll want this to be the only time you've thrown thousands of dollars away. I'm actually surprised you got a 12% rate with a 604 credit score. That dealership has got to love you.
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Iam on the scene in miami street racing life. -Elsteverino889 |
04-10-2007, 12:18 PM | #8 |
Lonesome Cowboy
Drives: 2007 WHITE HATCHBACK Join Date: Feb 2007
Location: Inner City, Dallas
Posts: 2,995
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250. 60 month term
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04-10-2007, 12:32 PM | #9 |
Drives: 2005 Scion xB Join Date: Nov 2006
Location: The Black Hills of South Dakota
Posts: 1,059
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$1500 down, $247/month.
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04-10-2007, 12:57 PM | #10 |
Modification Condoner.
Drives: 2007 Black Sand Liftback Join Date: Jan 2007
Location: Chicago, IL
Posts: 360
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O-M-G OP you're getting ripped. Lol how can one person (you) drive a Yaris at an overall cost of $25K+, and another (me) hand over $12900 in cash and be done with it? Unbelievable. I'm stunned.
It's a Toyota, there's no need for the $2K bend-me-over-and-take-it-in-the-pooper extended warranty. Same deal with the gap insurance....waste.
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Tanabe DF, Debadged, stripped, Black emblems |
04-10-2007, 01:49 PM | #11 |
Banned
Drives: LB Join Date: Jul 2006
Location: OH
Posts: 7,787
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04-10-2007, 02:18 PM | #12 |
Super Moderator
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$197 until I bought it.
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04-10-2007, 05:22 PM | #13 |
It's the illusion you see
Drives: 07 Yaris Sedan Aero Join Date: Oct 2006
Location: Brossard, QC
Posts: 3,888
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i'm leasing mine.
339.54$ a month.. untill i buy it. with 6.5% APR. if i were to finance the car... 22860.65$ or 440.90$@5.9% for 60months hey, don't forget the currency is The Canadian Dollars. :) |
04-10-2007, 05:27 PM | #14 |
First Ever Import
Drives: 2007 Silver Streak Mica Sedan Join Date: Mar 2007
Location: Delaware
Posts: 86
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265 a month with 6k down. I will be paying it off by Dec 31st though.
Every cent I own is going to go towards this car. |
04-10-2007, 06:11 PM | #15 | |
Modification Condoner.
Drives: 2007 Black Sand Liftback Join Date: Jan 2007
Location: Chicago, IL
Posts: 360
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Quote:
That's a nice way of planning. Good for you.
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Tanabe DF, Debadged, stripped, Black emblems |
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04-10-2007, 06:14 PM | #16 |
der Zeck
Drives: '05 Audi A4 1.8t quattro Join Date: Sep 2006
Location: Toledo, OH
Posts: 5,231
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my wife pays the bills, she tells me she pays $500 on my car a month to pay it off early, I just remember the payment was $215 when we signed the paper work... hell if I know, I don't ever see any money, bills, nothin, kinda nice :)
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04-10-2007, 07:22 PM | #17 |
First Ever Import
Drives: 2007 Silver Streak Mica Sedan Join Date: Mar 2007
Location: Delaware
Posts: 86
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Then the real fun will begin with this car after I own it.
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04-10-2007, 07:56 PM | #18 |
Modification Condoner.
Drives: 2007 Black Sand Liftback Join Date: Jan 2007
Location: Chicago, IL
Posts: 360
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That's what I have been telling myself since I bought it. My sensible side has won, and I've only dropped it. But my nonsensible side is about to buy a Recaro driver's seat and some wheels. Haha
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Tanabe DF, Debadged, stripped, Black emblems |
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