Capital One Pre approved for up to 30k in Auto Financing vol Say Word?

Originally Posted by Oh YoU MaD

Son's been tryin to buy a car since 2010
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http://niketalk.com/topic...---100k-miles---yay--nay

http://niketalk.com/topic...-Car-made-after-2006-Lol

http://niketalk.com/topic...a-Honda-or-Nissan-owners

http://niketalk.com/topic...r-Question-about-Mileage

http://niketalk.com/topic...you-guys-thought-on-Audi

http://niketalk.com/topic.../Leasing-vs-Buying-a-car

http://niketalk.com/topic...---100k-miles---yay--nay

http://niketalk.com/topic...paying-for-Car-Insurance

http://niketalk.com/topic...a-Weekend-or-Project-Car

http://niketalk.com/topic...r---50k---dash-Vol-Lexus

http://niketalk.com/topic...vol-Its-a-Hyundai-though

http://niketalk.com/topic...am--similar-car-programs

http://niketalk.com/topic...r-Lexus-heads-in-general

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and dude no down payment on a car?  you are gonna be so backwards in anything you buy; we all know that no down payment means you don't have any money saved
 
Originally Posted by LuckyLuchiano


Why make a down payment when I can use the downpayment towards monthly payments, a down payment barely lowers your monthly payments unless you're putting like 50 percent + down.

a down payment towards monthly payments?  that doesn't make any sense; monthly payments are made because they fall into a budget you can maintain monthly 
you are going to save a down payment incase you can't make the monthly payment?

5 yrs for $25k at 5% gets you a monthly payment of $470 roughly with total interest of $3300

5 yrs for $20k with a $5k downpayment gets you a monthly payment of roughly $375 with total interest of $2600

I really have no idea where you come up with the stuff you say in these threads; $100 lower a month is pretty significant and that's 20% not 50%
 
Originally Posted by StillIn729

Originally Posted by LuckyLuchiano

Originally Posted by StillIn729


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and dude no down payment on a car?  you are gonna be so backwards in anything you buy; we all know that no down payment means you don't have any money saved

Why make a down payment when I can use the downpayment towards monthly payments, a down payment barely lowers your monthly payments unless you're putting like 50 percent + down.

a down payment towards monthly payments?  that doesn't make any sense; monthly payments are made because they fall into a budget you can maintain monthly 
you are going to save a down payment incase you can't make the monthly payment?

5 yrs for $25k at 5% gets you a monthly payment of $470 roughly with total interest of $3300

5 yrs for $20k with a $5k downpayment gets you a monthly payment of roughly $375 with total interest of $2600

I really have no idea where you come up with the stuff you say in these threads; $100 lower a month is pretty significant and that's 20% not 50%
bruh If I want a car thats 25k I will finance it all because I know I can make the payments monthly. I`m not going to save 5k to buy a 25k car to lower my payments, because I know I`m not ready for it yet. Who said I`m going to use it if I can't pay my note? I said that 5k I could put down on a 20k car, I`d use towards my car note, its essentially doing the same thing as putting down a down payment because Im taking 5k off price of whip whether I do it now or later.
Now back to a question I actually asked.

Anyone ever deal with Internet Sales teams before?
 
Originally Posted by LuckyLuchiano

Originally Posted by StillIn729

Originally Posted by LuckyLuchiano


Why make a down payment when I can use the downpayment towards monthly payments, a down payment barely lowers your monthly payments unless you're putting like 50 percent + down.

a down payment towards monthly payments?  that doesn't make any sense; monthly payments are made because they fall into a budget you can maintain monthly 
you are going to save a down payment incase you can't make the monthly payment?

5 yrs for $25k at 5% gets you a monthly payment of $470 roughly with total interest of $3300

5 yrs for $20k with a $5k downpayment gets you a monthly payment of roughly $375 with total interest of $2600

I really have no idea where you come up with the stuff you say in these threads; $100 lower a month is pretty significant and that's 20% not 50%
bruh If I want a car thats 25k I will finance it all because I know I can make the payments monthly. I`m not going to save 5k to buy a 25k car to lower my payments, because I know I`m not ready for it yet. Who said I`m going to use it if I can't pay my note? I said that 5k I could put down on a 20k car, I`d use towards my car note, its essentially doing the same thing as putting down a down payment because Im taking 5k off price of whip whether I do it now or later.
Now back to a question I actually asked.

Anyone ever deal with Internet Sales teams before?
you really are clueless bruh
it's apparent you have NO money saved along with some credit card debt and shouldn't be getting into an auto loan especially one at $25k where you are going to have payments hovering around $500 a month

and an internet sales team is a front to get you in the door; no dealer dealer is selling you a car over instant message 
 
even i think you should put some money down instead of financing the whole amount
 
you always want to put down at least 10% is what i was told...so if your car cost 10k...1k down...20k ...2k...etc..but if im coppin a 20k whip just trade in what u got and put something with it for nice low payments..
 
Originally Posted by LuckyLuchiano

Originally Posted by StillIn729

Originally Posted by LuckyLuchiano


Why make a down payment when I can use the downpayment towards monthly payments, a down payment barely lowers your monthly payments unless you're putting like 50 percent + down.

a down payment towards monthly payments?  that doesn't make any sense; monthly payments are made because they fall into a budget you can maintain monthly 
you are going to save a down payment incase you can't make the monthly payment?

5 yrs for $25k at 5% gets you a monthly payment of $470 roughly with total interest of $3300

5 yrs for $20k with a $5k downpayment gets you a monthly payment of roughly $375 with total interest of $2600

I really have no idea where you come up with the stuff you say in these threads; $100 lower a month is pretty significant and that's 20% not 50%
bruh If I want a car thats 25k I will finance it all because I know I can make the payments monthly. I`m not going to save 5k to buy a 25k car to lower my payments, because I know I`m not ready for it yet. Who said I`m going to use it if I can't pay my note? I said that 5k I could put down on a 20k car, I`d use towards my car note, its essentially doing the same thing as putting down a down payment because Im taking 5k off price of whip whether I do it now or later.
Now back to a question I actually asked.

Anyone ever deal with Internet Sales teams before?
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Originally Posted by LuckyLuchiano

What you guys then of the current gen Nissan Maxima?

i dont like the front, the back is cool
did you ever end up finding something?
 
Originally Posted by LuckyLuchiano

What you guys then of the current gen Nissan Maxima?

very nice car, get it in white.

what exactly are you looking for?
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Originally Posted by Al Audi

Originally Posted by LuckyLuchiano

What you guys then of the current gen Nissan Maxima?

i dont like the front, the back is cool
did you ever end up finding something?

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You know damn well son ain't copped no car yet.
 
I'm going to get something, but I'm trying to stay in thw 25k range and I like full sized sedans or compact SUVs so probably either the Hyundai Sonata or Kia Optima, especially if I can get either in the hybrid variation for that or close to it. I actually like both of them too so it wouldn't be a settle. What else can I get in the ~25k or under range, new?
 
30K loan... Why go through with that for something that is guaranteed to depreciate in value? Live within your means especially when it comes to an automobile. I have a hard time agreeing with the purchase of an automobile that isn't done in cash. It's a sunk cost and I can imagine that monthly payment going towards better things like a mortgage (if applicable). 
 
I keep getting the up to 35k for a car loan letters from capital one
I also have 2 capital one credit cards
Tryna get the challenger
Either r/t plus or scat pack
I already have a 2012 hour impala I'm currently making payments on
I plan to get the challenger as another car for myself
I've wanted one for a Long time
So has anyone ever finance with capital one
And what's the chances of getting approved
 
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I keep getting the up to 35k for a car loan letters from capital one
I also have 2 capital one credit cards
Tryna get the challenger
Either r/t plus or scat pack
I already have a 2012 hour impala I'm currently making payments on
I plan to get the challenger as another car for myself
I've wanted one for a Long time
So has anyone ever finance with capital one
And what's the chances of getting approved
My boy did not too long ago.  His offer letter had a Honda dealership on it but he was able to bring it to any dealership.  The process was simple, the rate was already locked in.  Signed, paid taxes, and drove off.
 
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30K loan... Why go through with that for something that is guaranteed to depreciate in value? Live within your means especially when it comes to an automobile. I have a hard time agreeing with the purchase of an automobile that isn't done in cash. It's a sunk cost and I can imagine that monthly payment going towards better things like a mortgage (if applicable). 
I see a car payment as a necessary evil.  Like sneakers, its a thing of mine.  I've driven a brand new G35 right out of college when they first dropped and paid it off in 6 years.  Moved up to a CLS63 AMG for 4 years.  And now I downgraded to  a Lexus GS350.

If you have the income and everything else is being taken care of (retirement, savings, mortgage)...why not?  Who's to say no?
 
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